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nov
28
2013
Saiba no que investir em cada fase da vida

Investir significa planejar no presente para garantir o futuro! Esse hábito, que deve ser cultivado desde a juventude, requer disciplina e pode ser utilizado para atender a diferentes objetivos de vida, acompanhando o amadurecimento pessoal. Saiba mais sobre o assunto no post de hoje!

Uma carteira de investimentos diversificada e equilibrada deve ser composta por seis classes de ativos, segundo Ernesto Leme – sócio responsável pela área de Gestão de Patrimônio da Claritas Investimentos. São elas: renda fixa pós-fixada, renda fixa atrelada à inflação, renda fixa privada, renda fixa pré-fixada, fundos multimercados e renda variável. Confira a relação mais indicada sobre como investir de acordo com cada fase da vida:

35 a 40 anos – Jovem em início de carreira
Perfil: longo tempo de investimento, pouca aversão a risco e foco em acumulação de capital.

Alocação sugerida:

Renda fixa pós-fixada: Zero
Renda fixa atrelada à inflação: 10%
Renda fixa privada (crédito privado): 15%
Renda fixa pré-fixada: 10%
Fundos multimercados: 25%
Renda variável: 40%

40 a 50 anos – Topo da carreira
Perfil: longo tempo de investimento, aversão a risco moderada e foco em acumulação e preservação de capital.

Alocação sugerida:

Renda fixa pós-fixada: 10%
Renda fixa atrelada à inflação: 15%
Renda fixa privada (crédito privado): 15%
Renda fixa pré-fixada: 15%
Fundos multimercados: 20%
Renda variável: 25%

50 a 65 anos – Próximo à aposentadoria
Perfil: investimento com tempo limitado, maior aversão a risco, ênfase na preservação do capital e na proteção contra a inflação.

Alocação sugerida:

Renda fixa pós-fixada: 20%
Renda fixa atrelada à inflação: 20%
Renda fixa privada (crédito privado): 15%
Renda fixa pré-fixada: 15%
Fundos multimercados: 15%
Renda variável: 15%

a partir dos 65 anos – Aposentado
Perfil: investimento de tempo curto, foco em distribuição da riqueza e ênfase na preservação de renda.

Alocação sugerida:

Renda fixa pós-fixada: 50%
Renda fixa atrelada à inflação: 10%
Renda fixa privada (crédito privado): 10%
Renda fixa pré-fixada: 10%
Fundos multimercados: 15%
Renda variável: 5%

Essas dicas podem te ajudar a planejar melhor os investimentos e a garantir seu futuro! Continue acompanhando nosso blog e, para mais informações, siga a Dominus também nas redes sociais: Facebook, Twitter e Slideshare!

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