Where to invest in 2021?


New Year, new investment portfolio!

Anyone who follows our tips already knows that diversifying investments is essential to enhance your earnings, as the financial market is constantly changing.

To help you build your new portfolio, we have put together in this post tips on where to invest in 2021, according to the forecasts of the Inter economy team. All the information you will see here is already available also in the Strategic Allocation report published on the Inter Research page.

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How to know your investor profile

Before you even start investing, it is essential to know your investor profile. Not everyone is willing to take big risks, or has enough emergency reserve to go through adverse moments like the one we experienced in 2020.

So don't be seduced by promises of profitability or ready-made formulas. Each investor has a different reality, and you should always build a portfolio that respects your financial capacity and your risk tolerance, for example.

Ah, you don't know your profile as an investor very well? No problem, at Inter, when you access Inter Invest for the first time, you will take an investor profile test, also known as Suitability. In it, you will answer some questions that will help us understand what stage of your investor journey you are at.

The test result will show whether you are a conservative, moderate or bold investor. And it will help you build your wallet. And whenever you want to revisit the test, just redo it by clicking on the Investments tab  Settings Investor Profile change.

You still have the option of Reframing Profile to keep the recommendations of your original profile, but to have access to other types of investment such as Home Broker, for example.

To refram your profile, go to Investments Settings Reframing profile.

Types of investments cited in the report

Post-fixed fixed income securities

Securities whose yield accompanies an economic index (ex: CDI) such as CDBs, LCI and LCA.

Fixed income securities indexed by inflation

Investments with yields composed of a pre-fixed portion, which you know at the time of contracting, and of a post-fixed portion that accompanies the consumer price index (IPCA).

Multimarket Funds

Funds that mix different types of investments such as fixed income, shares and foreign exchange, managed by a management company that raises funds in quotas aiming at greater profitability. As they are managed by third parties, they charge administration fees.

Variable income

Dynamic investment category that does not have predictable returns and can be impacted by multiple factors, eg company shares.

Investments abroad

Investments made in publicly-held companies based in other countries, through BDRs (Brazilian Depositary Receipts). These investments are interesting, as the investments are made in Real, but the reserve is made in US Dollars.

Real Estate Funds

The real estate market has always been in the sights of investors who made the purchase of the property in order to rent them to third parties and live off this income, but we know that it is not that simple to acquire real estate.

The real estate funds work like a condo where a group of people comes together to invest in real estate assets. The profitability is proportional to the value applied by each one.

Types of investment recommended by type of investor

Considering that in 2021 we should have low interest rates and average levels of CDI, our team recommends investing more in real assets and indexed or linked to inflation. Below, we share the most suitable assets for each profile.

Conservative

The Conservative Investor has as priorities: security, capital preservation and applications with low risk tolerance.

Identified yourself? Here's how to allocate your investments:

  • 45% in post-fixed fixed income assets such as CDBs, LCI and LCA
  • 10% in fixed income investments indexed to inflation
  • 30% in multimarket funds
  • 10% in variable income
  • 5% in real estate funds.

Moderate

Investors with a moderate profile are more willing to take risks, but they are still guided by basic interest rates such as SELIC and CDI.

Therefore, you will notice that the proportion of Fixed Income investments falls considerably in relation to the public with a conservative profile.

Is it your case? So, your investment portfolio in 2021 should be composed of:

  • 25% post-fixed fixed income investment such as CDBs, LCI and LCA.
  • 10% in fixed income investments indexed to inflation
  • 30% in multimarket funds
  • 20% in variable income
  • 5% in investment abroad
  • 10% in Real Estate Funds

Sophisticated

The sophisticated Investor is one who is generally willing to take more risks in order to achieve greater profitability in the short, medium and long term.

Do you fit in here? So, here's what your ideal wallet for 2021 would look like:

  • 20% post-fixed fixed income investment such as CDBs, LCI and LCA.
  • 10% in fixed income investments indexed to inflation
  • 20% in multimarket funds
  • 30% in Variable Income
  • 10% in investments abroad
  • 10% in Real Estate Funds

Bold

If all the previous groups value security in their investments, the bold investor has less aversion to losses and takes more risks in variable income assets such as the Stock Exchange, for example.

This profile has a lot of market knowledge and works with more flexible trading terms for your investments, with an eye on the best buying and selling opportunities for your shares.

Are you more of the dashing? The following shows an ideal allocation for your assets next year:

  • 10% in post-fixed fixed income
  • 10% in fixed income investments indexed to inflation
  • 15% in multimarket funds
  • 40% in Variable Income
  • 10% in investments abroad
  • 15% in Real Estate Funds

 

What else can influence the market in 2021

In 2020, the pandemic was by far the factor that most impacted the economy at the domestic and macroeconomic levels, and its impacts will continue to be felt in the coming year, which will still be a recovery.

The advance of vaccines should maintain the pro-risk movement in the short term and generate a greater flow of investments to emerging markets. In the medium term, vaccination may boost the recovery of the global economy with the advance of commodities such as oil, while agricultural assets are expected to fall.

In Brazil, Fiscal Risk linked to budget laws for 2021 continues to impact on exchange rate volatility. The economy should start to recover next year, but we still depend a lot on the evolution of vaccination here.

 

 

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