I have not invested before, how can I save money and start applying?

I have not invested before, how can I save money and start applying?

Do you want to get into the world of investing, but you can’t save money for it and don’t even know how to start investing? No chat with a specialist, live program from UOLFinancial planner Vivian Rodriguez says that changing the habit will allow you to set aside a portion of your salary for investments each month.

It also teaches you a simplified calculation of how much you need to make monthly withdrawals from your apps, in the amount required and over inflation.

Read our financial chart analysis below and watch the full show August 11, a subscriber-only investment quiz that airs weekly on Thursdays from 4pm-5pm.

How to save and apply even a little?

Vivian says there are rules, such as a “50-30-20,” about what portion of her salary should be directed toward investments. This rule states that 50% should be directed to fixed expenses, 30% to variable expenses, and 20% to investments.

However, Vivian says, the rule may not fit everyone’s life. If the rule, on the one hand, simplifies the planning of those who make investments, on the other hand, it ignores that people have different lives, salaries, goals and contexts.

For her, it is worth escaping from these standard rules. The advice, says Vivian, is to “start investing with what you can.” Put it on paper when you come in [de dinheiro], how much is left, and proportional to your expenses an amount as if it were a ticket. The idea is to make this investment something “a must,” a kind of agreement between you and your future self. Create this habit, and little by little you will improve this value,” he says.

Another recommendation from the financial planner is to make the contribution to investments on the day your paycheck falls into the account. For this, it is worth making contributions automatic.

“Don’t expect to have that money left at the end of the month. Bring this account, as a mandatory one, at the beginning of the month, so you can make your investments,” he stated.

How do I know how much I can get from the investment to spend?

To earn a monthly income from your investments, Vivian says you have three payback options.

To keep your money safe and even inflation-protected, you only make monthly withdrawals for in excess of the inflation rate. “You produce value every month, but you leave a piece there to cover inflation and ensure your purchasing power, and you just remove the excess,” he adds.

Another option is to withdraw everything he earned, leaving little to cover inflation. “Here, you take your passive income and keep the value. But, over time, inflation will eat up your purchasing power. So making withdrawals without leaving the part that signals readjustment of your purchasing power is dangerous,” she says.

The third option, she says, is when you get all the income plus a portion of the capital. “Here, you are using your principal, which is decreasing over time. There will come a time when you will run out of money,” he says.

So, for you to withdraw R$3,000 each month, Vivian says the best case scenario is real passive income. “Don’t mess with your base capital and always leave there a percentage indicating your purchasing power, to ensure your R$3,000 withdrawals are readjusted to inflation and they never expire,” he says.

In a simplified calculation, it is necessary to consider a readjustment of 4% above inflation, per year. According to her, to find out how much you should have invested today, you should multiply R$3,000 by 300. This gives you R$900,000.

Chat with a specialist every week

Chat with Specialist is broadcast on Thursdays, weekly, from 16:00 to 17:00, on the home page of UOL, at UOL Economia and UOL Investimentos, which are exclusive to subscribers. See previous programs here.

You can send questions to Papo by e-mail uoleconomiafinancas@uol.com.br – they can be answered in the program.

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