Como vencer os desafios do cenário econômico em 2020
O ambiente econômico passa por momentos de crescimento, desaceleração, crise, bolha, boom, entre outros, de modo que precisamos de muita atenção e cautela para cuidar dos investimentos.
Recentemente, vimos os juros reais da economia brasileira caírem drasticamente se assemelhando aos juros reais das economias desenvolvidas. Esse cenário requer uma nova atitude do investidor pois, aquele retorno de 1% ao mês sem risco e com liquidez diária que estávamos acostumados não está disponível, uma vez que governo, bancos de primeira linha e corporações têm condições de se financiarem pagando menos juros.
Se, por um lado, dificulta a vida do investidor, por outro, esse ambiente de juros baixos é interessante para as empresas, pois o custo do capital é reduzido, o que gera oportunidade de girar os ativos e auferir lucros. A boa notícia é que por meio do mercado de bolsa de valores, algumas empresas conferem a oportunidade de investidores participarem nos riscos do negócio e, também, nos lucros.
Visando retornos maiores, é natural que os investidores busquem informações sobre ativos locais e globais, com maior nível de complexidade, sofisticação e exposição a risco, como hedge funds, ações, derivativos e ativos imobiliários.
Trilhar o percurso com apoio de aconselhamento profissional de qualidade é um diferencial na jornada do investidor.
Abaixo uma ilustração sobre o potencial de valorização de diferentes classes de ativos, considerando dados históricos dos últimos 16 anos.
Fonte: Comdinheiro
O investimento em bolsa de valores foi o que mais gerou resultado no período analisado, equivalente a 17% a.a., mesmo considerando as oscilações negativas de 2008 (- 42%), de 2011 (-11,4%) e 2015 (-12,4%).
Como realizar um planejamento financeiro eficiente?
Diante deste cenário, o mais prudente e recomendado para cuidar do seu patrimônio e contar com um serviço de aconselhamento financeiro.
O aconselhamento financeiro é um processo dinâmico que transita entre cinco macro etapas e se retroalimenta: Entrevista, Organização, Planejamento, Execução e Controle e Revisão.
Esse processo envolve a elaboração de um mapa de metas, objetivos, retornos e riscos esperados que é atualizado periodicamente e também a consolidação da carteira em relatório mensal.
CRIAÇÃO DE VALOR NO LONGO PRAZO E PERPETUAÇÃO DE PATRIMÔNIO
A Genebra Capital é uma Consultoria especializada para um completo planejamento financeiro, considerando os objetivos e as características próprios de cada família.
Esse planejamento e acompanhamento garante mais segurança para que você possa investir sob orientação de nossos consultores certificados, ponderando não somente as relações risco x retorno x liquidez, mas também os aspectos sucessórios e tributários.
A Genebra Capital conta com profissionais experientes em planejamento financeiro e consultoria de valores mobiliários, tanto para pessoas físicas quanto para empresas patrimoniais. E se você deseja saber mais ou agendar uma reunião, entre em contato com nossos consultores CLIQUE AQUI ou ligue para (11) 4590-0156
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