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Firstly, the new year has begun and many people are wondering what the best investments 2023. Well, amidst a turbulent political-economic scenario at the beginning of the year, many things must be taken into account when defining each of them.
In this sense, it is worth highlighting that 2023 will be marked by intense political change, with the change of president of Brazil and the change of a large part of the legislature. Without a doubt, several signs must be understood in order to understand what the best investments in 2023.
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The first of these concerns the attitude of the current government and the style of government that the president and his team will follow. With this, the market will keep an eye on all movements, especially in relation to public spending.
Furthermore, if the government takes aggressive positions in relation to public spending, the market will react badly, tending to devalue, causing investors to direct their capital outside the country or towards fixed income.
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However, if the trend is more conservative, respecting spending, placing positive parameters in the governance of the economic agenda, the market tends to become more heated, with shares and active income increasing.
What are the Best Investments in 2023?
If you want to invest in 2023, this part here is essential for you to understand how everything works and how you can start investing safely and with good returns this year.
In this sense, in addition to talking about the impact that the current government can have on best investments 2023, we have to comment on the influence of Selic as well.
For those who don't know, the Selic rate is the Government's attempt to control the country's inflation, a means of regulating prices as the market fluctuates. It can also be crucial to these results.
1. Fixed Income
The first type of investment that we can consider among the best investments in 2023, is fixed income. These assets are interesting because they are linked to the index Selic, inflation controller.
The tip here is the following: if you notice that the government is taking actions that go against the security and financial control of the State, with high spending and aggressive measures, reallocate most of your money to this investment.
The advantage of doing this is that if the market reacts badly, inflation will increase, forcing the Selic rate to increase, that is, your income will increase.
Below are some interesting titles for you to invest in:
- Selic Treasure
- IPCA+ Treasury
- Bank Securities (CDB/LCI/LCA)
Treasury Direct, as you can see above, can be done in two ways, where both you lend money to the government and it pays you back with interest.
The Treasury Selic delivers a profitability linked to the Selic rate, unlike the IPCA+ treasury which delivers the profitability of the Selic rate + a percentage above 3% to 4%.
However, with bank bonds, the loan of your money does not go to the Government, but to the banking system, with a model similar to the Treasury Direct, but with different returns.
2. Actions
Therefore, we have the second type of investment, among the best investments 2023. Shares are considered the pearls of every investment, especially for beginners.
The tip here is to start with fixed income assets first, due to the security of your invested capital, and not start with this type of investment.
In this sense, we can say that these assets are very volatile, they can undergo changes in a few hours, both upwards and downwards. It all depends on external influences from the Government and the general financial market.
A good example of how volatile and high-risk shares are is the recent episode with the company Americanas, where a R$20 billion debt gap was discovered, causing the shares to lose 79% in value.
For this year, among the best investments in 2023, focus on fixed income, but start gradually with shares, especially in strong shares and consistency in the market, mixing between shares with state links and others without state links, diversification is the secret.
3. Investment Funds
Continuing our list, we have Investment Funds, a very interesting investment option for 2023. This modality is attractive because it works as follows.
Imagine that several investors get together in a room and decide the fate of the capital they have in their hands. This type of investment is basically that, giving large investors the decision of what to do.
Furthermore, you can choose the types of funds, but the fund manager will make the decisions. You can be sure that this is a good way, as all fund managers are highly trained and experienced.
4. Real Estate Funds
In fourth position we have Real Estate Funds, quite interesting as an option among best investments 2023. Just like Investment Funds, in this modality several investors come together to invest money in the real estate fund.
However, you need to buy shares in a real estate fund to receive dividends depending on the number of shares you purchased.
Imagine that all the shopping malls in your city are combined as assets in a real estate fund. If you buy 100 shares of this fund, you will receive a proportional payment for the monthly rent for all shopping malls. This year this type of investment could be very interesting.
5. CBD
The Bank Deposit Certificate is one of the most common investments currently, which several digital banks use, yielding well above the income from savings.
Basically, in this modality, you end up lending your money to banks and they return it to you with interest, above the savings income. The yield is good, but not that high, rewarding this difference with a lot of security and liquidity.
With this type of investment, you can withdraw your money at any time, regardless of the day or time.
Final tips on the best investments 2023
Therefore, after analyzing the other types of investments, we have reached the moment of strong recommendations that can guide you during this year.
The first recommendation is to analyze your investor profile. Investor profiles can be conservative, focused mainly on fixed income assets; aggressive, focusing on variable income, such as shares; and moderate, with a balance between fixed and variable income assets.
If you want good short-term investments, focus on Treasury Selic, CDB daily liquidity, DI Funds, LCI, LCA and Fixed Income Funds. All of these assets are focused on high liquidity and good profitability. They can be sold or redeemed at any time.
And to earn more passive income, what are the best investments in 2023?
Firstly, if you are looking to earn passive income and have the pleasure of receiving recurring payments, shares and real estate funds are the best options.
When buying shares that pay dividends, you receive profits depending on the number of shares you have available. Likewise, the same happens for real estate funds, but in the format of shares.
However, if you want to invest your money to receive it 5 or 10 years from now, focus on public bonds with diversifications between pre-fixed (locked to the stipulated standard rate) and post-fixed (linked to future standard rate) depending on the year in which choose to receive your investment.
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