Fixed income investing: what it is, how it yields returns, and who it’s worthwhile for.
Fixed-income investments are preferred by americns for their security and predictability. No less than 85.5% of the money invested in the country is in this category, which ranges from government bonds to credit notes. This information comes from the Instituto Planejar. Far beyond savings accounts, which maintain their popularity despite low returns, the world of fixed income offers countless […]
Types of actions: learn about the main ones and how to choose.
Everyone who has ever invested or considered investing in stocks has had to ask themselves the same fundamental questions: What is the best type of action for my needs? What differentiates the main types of shares? Will the type of stock chosen have a considerable impact on returns, or is company performance the most important […]
See the criteria for choosing a good multi-market fund.
With the economy’s benchmark interest rate at a historic low of 2.25% per year, investors are seeking more profitable and risky investments. This is because more conservative fixed-income investments are yielding less, as they are tied to the Selic rate or the CDI (a rate close to the Selic rate). In this scenario, multi-market funds […]
Want to learn more about investment funds? Check out this essential guide with 8 topics.
Investment funds are a good option for those who don’t have the more aggressive profile to invest in stocks, for example, but are looking for a type of investment with a return higher than fixed income products and other very low-risk investments. Investment funds already enjoy considerable popularity among investors. This article aims to explain […]
Standard of living: find out if you’re living within your means.
Our standard of living defines our priorities and how we manage our money according to our needs. Despite the obvious relationship between consumption levels and disposable income, many of us live beyond our means and ignore our budget limits, harming our financial health . This craving for consumption is a possible cause of debt, financial insecurity, and a […]
The 9 worst habits of people with poor financial health.
For too long we’ve talked about financial health without considering that it’s not enough to have knowledge about money – it’s also necessary to put everything we learn into practice in order to establish a balanced and fulfilling relationship with our finances . But this path is not as simple as it seems. If we look at some […]
6 investment lessons: learn how to save and where to invest your money.
Investing in financial education is important at any stage of life. However, learning investment lessons before the age of 30 , when people are in the early years of their careers, is even more relevant. Ultimately, financial education is the foundation for young people to build solid assets and a good quality of life in the future, […]
Because you need to encourage your employees to save.
Many companies still don’t consider it their role to teach – or even encourage – their employees to save money. On the contrary, some executives still think it’s better to have an employee in debt because, supposedly, it’s easier to keep them under control that way. Several studies indicate, however, that stress resulting from debt, […]
Advantages of corporate pension plans for the company
Offering a private pension plan to employees is not a luxury accessible only to multinational corporations and large companies. On the contrary: when intelligently planned, the investment can bring more benefits than expenses. This is because the financial investment has a number of tax benefits that make the company’s contribution to the employee’s plan, the so-called “match,” cost […]
5 steps to avoid financial stress in your company.
Financial stress among employees can threaten their productivity and destroy their engagement with the company. This is because worrying about finances is among the top causes of stress for professionals and can drastically affect their performance and motivation at work. In the United States alone, half a trillion dollars a year is lost in productivity due to employees’ financial problems. […]