Step 1- Make a smart capture
As we have seen little, it is necessary to develop a monthly financial plan to define the amount you will spend on investments. The ideal is to set a percentage of your salary at 10 or 15%. That is, you have to pay first and manage your accounts with the rest.
If you do not, guess what will happen at the end of the month? Nothing will be left because you are going to spend everything with something superfluous. And, again, it will not be possible to work to achieve financial independence. Then, organize yourself, make an effort or create a new source of income to make a quantity and invest. Combined?!
Step 2 - Invest Effectively
The second step to gain financial freedom is knowing how to invest on the stock market or any other form of financial market, such as Forex and real estate funds, for example. Otherwise, low profitability and the payment of many fees can completely absorb your benefit.
Do not be an "investor's hope". The one who invests without knowing what he is praying for the stock market to rise and earn money like that. In this way, you invest all your life, but you will not get financial independence. That's why I decided to tell you something that very few people know. And that many people care about you really do not know ... Look:
When someone invests in a stock investment fund or in a private pension plan, which allocates some of the applications in the stock market, in addition to managing 'super high rates', it still happens lousy management . In the vast majority of cases, the person who assembles the portfolio is the manager of the fund.
And for that, it accompanies the Bovespa index, an indicator that accompanies the most traded shares of the stock market and which today concerns about 60 companies. But, pay attention to this criterion used to choose the shares, because the manager selects the most traded companies and NOT the most LUCRATIVE ones.
This is a big mistake and, before you start investing, you need to know how to carefully select these actions. It is not enough to buy only those companies known as Petrobras or Gol, if they do not offer good profitability and / or are not well positioned in the market.
And that's what you need to pay attention to always get good results. Reason that reinforces the importance of knowing how to invest.
See more:
Step 3 - Use the "snowball effect"
The third factor to conquer financial independence is the snowball effect. So, I want you to see the difference of choosing companies with good returns in your stock market career. Next, we will compare the results of a mutual fund with a well-designed stock portfolio:
Monthly investment: R $ 500 (without initial contribution)
Application time: 20 years
Profitability of the fund: on average 1.25% per month;
Final value: R $ 748,619.74.
Portfolio Profitability: On average 2% per month;
Final value: R $ 2,872,218.38.
Download the free spreadsheet for other simulations here.
As you can see, the difference is over R $ 2,000,000! And I am very conservative in these last figures of the exchange, because they can reach much higher values. However, it should be remembered that in the short term, you are hardly aware of it, but in the long run, they are extremely superior ...
So, seeing what you do not know how to invest can cost you 20 years later: over two million! This is the price of lack of knowledge. And the truth is that by combining smart adoption with effective investing, the result tends to become a rather positive snowball and lead anyone to financial independence.
And who does not want that, is it?
Then ignore the myths
Myth: "who speculates in the short term wins more"
> It is impossible to make money in the short term, but you have to be very good in this area;
> It spends a lot on brokerage and income tax;
> Time spent in excess and which could also be used to generate income in other ways;
> It is the interest of brokers to always earn more.
Myth: "Follow the advice of the media and what will bomb this year"
> Effective method and monitoring are needed to achieve consistent gains. There are always good stocks of companies on the stock market, but you should not jump from branch to branch.
Myth: "change in the company"
> All modification projects, new acquisitions, mergers, inventing a miracle product, the restructuring of the company, etc., all this, 99.9% of the time, move much the price of the shares and rumors bring to injury (common in shares worth a few cents = broken companies). Therefore, if the stock is worth pennies, DO NOT BUY!
Myth: "investing in stocks is very risky"
> And this can really be for those who do not know what to do. But it's more risky than leaving all your money in rendiendo fixed income very little and never achieve financial independence. The greater the risk, the higher the return. Find a balance and remember to diversify.
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