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Postponing investments can lose money

Postponing investments can lose money

Many begin the year with the goal of exchanging unnecessary expenses for planned investments, which are made monthly. However, those who wait until next year to start pursuing this goal do not know how much they can lose by deferring investments for only six months.

Imagine you’re preparing for retirement by saving money for decades, and in the end, you don’t earn close to R$30,000 because, instead of the investor routine that started now, in July, it only started next year. This is so that he only invests 200 BRL per month.

Request UOLLai Santiago, financial educator and behavioral scientist at Open Co, ran a series of simulations to show how delaying the start of investments can hurt an important portion of stocks in the long run.

The specialist also took into account two scenarios: those who already have a contingency reserve of 10 thousand Brazilian reals, necessary to start their financial life in full swing, and those who do not have a reserve yet. In one case, contributions began to be submitted in July. In the other, only in January of the following year, six months later.

Find out how much Rls 200 invested each month in three different investments and how much the delay for six months will cost the investor. Net worth, taking into account discounts with Income tax. Treasury bonds pay 11.03% and CDI9.34%.

If you already have R$10,000 in emergency reserve – a monthly contribution of R$200

Convention on Biological Diversity

  • Starting now: 446,627.14 BRL
  • Starting from six months: 427,148.79 BRL
  • Difference: 19478.35 Brazilian Real
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Treasury IPCA + Semi-Annual Interest 2055

  • Starting now: 521,063.97 BRL
  • Starting from six months: 496,609.46 BRL
  • Difference: 24454.51 Brazilian Real

The private pension is 115% CDI and the rate is 0.7% per annum

  • Starting now: 608,481.96 BRL
  • Starting from six months: 578,563.63 BRL
  • Difference: 29918.33 Brazilian Real

If you do not have a contingency reserve – a monthly contribution of R$200

Convention on Biological Diversity

  • Starting now: 323,427.63 BRL
  • From six months: 308,999.22 BRL
  • Difference: 14,428.41 Brazilian Real

Treasury IPCA + Semi-Annual Interest 2055

  • Starting now: 286,243.94 BRL
  • Starting from six months: 274,156.89 BRL
  • Difference: 12,087.05 Brazilian Real

The private pension is 115% CDI and the rate is 0.7% per annum

  • Starting now: 425,965.99 BRL
  • Starting from six months: 404,671.80 R$
  • Difference: 21294.19 Brazilian Real

The pension is worth The feather? Private annuities have a reduced tax burden compared to other fixed income investments. There are no shares a person pays tax of 10% instead of 15% as in Treasury and CDB. Additionally, IPCA + Treasury with semi-annual interest has pre-tax payments, on each coupon (with each semi-annual interest payment).

This is why the net score is higher in a pension plan than in an IPCA treasury, because the weight of taxes is much smaller and occurs only when a pension is recovered.

What is most important to start investing? Discipline is essential for anyone who wants to achieve a financial goal, financial guru Open Co highlights, especially in the long-term, simulations show. What characterizes those who manage to retire calmly or full of doubts is consistency in requests.

Those who invest less money, but on a frequent basis, according to Lai, tend to get a better result than those who invest a larger amount in a longer period of time.

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In the case of investments with long-term objectives, the investor can value various assets. For example, investing in direct inflation-linked Treasury bonds — to protect your purchasing power during this period, says Theo Linero, CFP® Financial Planner? by the Brazilian Financial Planning Association (Blanejar).

Also according to Linero, getting started is always the best option, no matter how much your initial investment is. “As time passes and your salary evolves, also consider increasing your monthly investment amount, as this will make your ‘cake’ grow faster.”