is the organization of to create a blanket of protection for the needs of the and a powerful tool to achieve goals and achieve dreams in the short, medium and long term. One of the main pillars supporting is discipline. This zeal for actions in favor of goals is what will determine the success of this organization.
There is no use in a strategy that is followed for just a week or a month. Here we are talking about years and decades. It is eye on the long term and . It all starts with a good diagnosis of the and goes through the paths necessary for success. In this evaluation, it is necessary to include wages and earnings, stability of this source of income, forecasts of extraordinary revenues in the coming months and years and calculation of weekly, monthly and annual expenses. Then, it’s time to outline the main goals you have in mind for the next 5, 10, 20 and 30 years. Where do you want to be financially and personally within these time bands? What kind of life do you want? How much would you like to earn? With these two scenarios in hand, the current and the future perspective, you have a basis to start . It is time to discover the best ways to actually reach the future you want. Are you interested in the next steps? Next, we will give more details for your to be done in the smallest details. should focus
When to use
The sooner you start to outline your and take action to make it a reality, you will take a path that may not take you where you want to go. Life is always on the move, and you are always on your way to some destination, . Is this the right course at the moment? There is no way to find out: you need to draw up an adequate , which takes into account your and your goals., the easier it will be to achieve your goals. So, set aside a few hours of your day today or this week to write down your first ideas. If you haven’t noticed yet, if you don’t consciously outline
Why is important
Good is important because it shows the routes (savings, effort, work, ) that you will need to take in order to achieve success . With the Pension Reform , this need to take care of their own future will become increasingly clear to Brazilians. If you use the tips in this article, you will certainly be able to move faster towards your dreams . In this next topic, we’ll show you how discipline will make a difference in your future.
How discipline impacts
Discipline is essential in . The main reason goes by the name of compound interest . They do magic in investments – and torture those in . Imagine if you bought a National Treasury bond for R $ 1,000.00 in 1995 and completely forgot about it for 20 years. With a fixed rate of 10% per year, those R $ 1,000.00 would turn into R $ 6,763.97. With an income linked to Selic, those R $ 1,000.00 would become R $ 28,025.11.Amazed? Welcome to the universe of compound interest! These are the famous “interest on interest”, which occurs when the returns enter the valuation account.
It is a different calculation of simple interest, when the nominal valuation is always the same. In the example above, the simple interest of 10% of R $ 1,000.00 would always be R $ 100, that is, in 20 years, the appreciation would be of R $ 2,000.00, in a final result of R $ 3,000.00 . In these examples, we are excluding from the accounts possible rates , the Income ? So, come on. (which would be 15%) and inflation (which is now within the target of 4.5%, but which has already fluctuated well above it). These numbers are just to give the dimension that, if you have the discipline to invest a fixed amount every month , whatever it may be, the long-term result will be very interesting. Are you curious to have a real example of how discipline will make a difference in your
Example of discipline
There are Treasury Direct securities that are pegged to the IPCA (Broad Consumer Price Index), that is, to the country’s official inflation. Do you know why they are interesting for ? Because they allow you to have prospects of appreciation that will overcome inflation and still guarantee real interest. One of the securities available at the beginning of April 2017 was the IPCA + 2035 Treasury , maturing in May 2035 and yielding 5.23% per year plus inflation for the period. Let’s say that you invest R $ 20,000.00 in this bond in the next month and, each subsequent month, buy R $ 1,500.00 in bonds with the same yield until that maturity.
In May 2035, 18 years from now, you will have R $ 583,003.18 plus all the inflation for the period. Seems little? This value refers, in fact, to the purchasing power you have today with R $ 583,003.18, since the variation of the IPCA is included in the yield of the security, but not yet priced. The total amount you will have will be much higher . Considering, say, that appreciation of 10% per year (adding average inflation just below 5%), the final result will be R $ 972,590.28. In this case, you would pay 15% Income on income, which is equivalent to a discount of R $ 94,288.54. Final result: R $ 878,301.74 (excluding the custody fee of 0.3% per year). This example is not an tip – just a demonstration of the strength of compound interest. You should not focus your efforts on just one Treasury Direct. The rule for your investments is to diversify and create a portfolio with different assets . Next, we will better understand how to make this strategy.
Set your goals and dreams
It is important to define your goals and dreams to understand how to reach the future you aspire to. What are your for five, 10, 20 and 30 years from now? Want to increase the family? Do more international travel? Buying a bigger house? Change cars more often? Moving to another city? Raise your standard of living in general? In these calculations, it is important to enter all your costs, the basic ones, that you have every month, and the desirable ones, those that you would like to have.
For example, in basic costs , the rent (when applicable), property , car expenses, food, education, health, household expenses, among others, would be included. At desirable costs , they could enter two vacation trips a year, change cars more frequently, renovate the apartment or move to a bigger house, etc. In these projection scenarios, it is also interesting to envision goal , such as the monthly amount you would like to earn or all the elements that make up the lifestyle you would like to lead. Did these ambitions bring a number to your mind? For example, R $ 7,000.00 or R $ 10,000.00 per month. How much would you need today to guarantee this monthly income?
An interesting exercise is to take a Treasury bond linked to inflation, to guarantee the permanence of purchasing power over the years. To have an income of R $ 10,000.00 per month, with practically zero and purchasing power maintained with the variation of the IPCA , you would need to invest R $ 2.4 million at this time.
Were you scared?
You don’t need to have that value right now, at hand. But you take several steps at this point to ensure that 20 years from now you will have the conditions you want.
Make a financial control
Making an adequate financial control is the first step towards a future of goals and dreams realized. For this diagnosis, it is important to use spreadsheets or applications and spend a lot of time gathering all the information about family expenses and income. If you use a spreadsheet, dedicate a tab to all the expenses you have today, separating any eventual expenses.
In another space, gather all income , fixed and eventual.
If there are debts in your life, don’t forget to list them, no matter how small. Here it is important to have a general picture of your finances. It is normal for surprises to occur at this time. Those who do not adequately control finances end up finding very peculiar . You can see, at the end of the month, that the supermarket bill exceeds R $ 1,000.00, for example. Or that the newspaper subscription consumes R $ 900.00 in one year. Now, do you know how much is left at the end of the month? It’s time to take how much you want to save. To do this, you must choose priorities and cut out anything that is superfluous, preferably in negotiation with your spouse , if you have one. In this cost reduction, you can start slowly , setting a cut rate of 10% in monthly expenses, for example. Gradually, you will reach the monthly amount you want to allocate to investments.
Choose the strategy you will adopt
A good strategy must aim for the long term. This is the first point that you need to be aware of. Since you are your future, you can some in the short term , as long as you are investing in assets that offer security in the future. To define exactly where your goes, you need to consider some aspects , such as security, costs, inflation, diversification and variable income. We will talk in more detail about them now.
A large part of its reserves must be destined to fixed income , which guarantees expected returns at the time of application, especially in a country with one of the highest interest rates in the world. In this type of , carefully analyze options for CDB (Bank Deposit Certificate), LCI (Real Credit Bill), LCA (Agribusiness Credit Bill), Tesouro Direto (public securities).
When analyzing and calculating your earnings, you must take into account all application costs. In fixed income, income may be charged, from 22.5% to 15%, depending on the time of the . In equity funds , remember the management and performance fee, in addition to the 15% income . In multimarket funds , in addition to fees, there is also a quota-collector, a semiannual advance of the Income . Analyze your investor profile! Depending on your risk appetite, some of the above are not recommended.
In addition to the costs of each application, you need to take into account a very important factor in the economy: inflation. It erodes purchasing power and can compete on equal terms with bad investments, such as savings (which lost the battle in 2015, for example). So, when considering your long-term options, look carefully at securities linked to indicators such as the IPCA (official inflation), Selic (basic interest rate of the economy) and CDI (index used by banks, which closely follows the Selic).
As you have seen, depends on organization. It seems obvious, but it is reinforcing the mantra: you need to know where you are and where you want to go to find the path to be followed. Often, the investor is unaware of his true before starting to research applications. But their availability of has a huge impact on their possibilities. The main impact refers to liquidity. It is recommended that you find out how much you spend monthly to set aside five or six months of to be used in applications that are easily convertible into cash.Just don’t take savings into account, OK? There are many other investments with risk as low as the passbook that pay much better than it. A CDB with monthly maturity, for example, may pay a fee close to the CDI. To apply for one, therefore, you can invest even that that you will need in 40 days, for example. A Treasury Direct note that accompanies the Selic can also be sold at any time, if you need to, with a low of devaluation.Another possibility is a DI fund, which invests mainly in Treasury bonds and has high liquidity, for that amount that you have for a short time. In addition to using the most liquid investments for a portion of your equity, you will outline, in your , a diversified strategy to compose your portfolio with higher yield investments, with the other portion of your reserves.