Some American families already give shares as a gift to their newborn child. Here in Brazil things are very different! Before the birth of a new baby, some parents create an account savings or make a private pension so that he can take advantage of it in the future. Unfortunately not everyone can or knows how to do something like this.
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Christmas Project for Maternal
This works for you too! When choosing what the ideal Father's Day gift will be, try to innovate. Get out of the traditional “souvenir” that is given every year and present him with something innovative.
As much as you can't make investments in his name, you can offer a voucher so he can buy whatever he wants, for example. Get together with your dad, because everyone likes attention. Show him how to open an account at a stockbroker and make him a PIX with the value of the gift you were going to give.
In order to make your life easier when choosing, among so many options to be able to get out of the routine, we will indicate you up to three types of investment portfolios so you can choose the one that best matches your business style father.
1. Investment portfolio for conservative parents
At first, you need to explain to your father that savings are yielding less than inflation and that the money he has invested there will begin to devalue. If you leave a thousand reais in savings for a year, you won't be able to buy the same things on the market after a year, so try to prioritize CDBs, LCIs and LCAs, which have been the most popular. All are covered by the Credit Guarantee Fund and also have a level of security similar to that of savings.
2. Investment portfolio for parents who need a monthly or extra income
Many are really interested in buying land to be able to build small properties and live on rent, but that is also starting to become a thing of the past, as it is possible to have problems with tenants who do not pay the amounts in day. In addition, the property may be unoccupied for a long time, which will only generate maintenance costs.
Based on this, technology has allowed us access to so-called Real Estate Funds, where investments are made that provide a monthly income for the investor with a very affordable value, as it is possible to make an investment with less of BRL 200.
3. Investment portfolio for risk-taking parents
There are also those parents who are more aware of investments and know that the greater the risk, the greater the return. However, it is good to keep in mind that here it is necessary to evaluate the portfolios in more detail and verify what may be a good choice for investing.
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