If you want boost your wallet of investments in 2012, apply in bonds indexed the indices of price and bet in private papers, both fixed income and equity, but run oh all types of investmens related with Europa now.
In fixed income, the possibility of increase of inflation plus the goal declared of government of continues reducing the interest favor, second the managers, the aplication in NTN-Bs, bonds indexed the IPCA. This vision ignores, for now, no returns for the center of the mark 4,5% in next year.
In variable income one of the most common recommendations is to replace the equity funds indexed to the broad indexes, such as the Ibovespa or the IBrX to invest in funds focused on small and medium companies or related to the infrastructure sector. In the first case, the reason is to enjoy the heating of the internal market. The premise for investing in these equitys is that smaller companies are better positioned to benefit from the increased consumption, and stay further away from the economic problems of developed countries, because the foreign trade transactions are small in relation to total revenue.
Another suggestion is to choose managers of equity funds that adopt the investment policy review as the basis for each company to then determine the allocations. This approach, known as “bottom up”, places greater emphasis on individual analysis of each company’s performance than to the behavior of the economy as a whole. Particularly in times of crisis, this strategy is useful to identify investments that may be less affected by variations in the global market.
Managers also call attention to the risks of investments. Applications more secure, yet cost effective, are still the traditional DI funds and LFTs, bonds corrected by the Selic rate negotiated with the Treasury Direct. In the level currently planned for the interest savings accounts is not yet a viable alternative to hit the profitability of good funds and bonds.
Any manager sees an opportunity to experience adeterioration of the strong Brazilian economy on the point of cause the dollar’s sharp appreciation compared to the real. Rather, the most common recommendation is to not invest in foreign funds, especially those tied to the euro.
Finally, all managers are unanimous in recommending investment diversification. Even for the more aggressive wallet, the recommendation is to keep at least 50% of funds in fixed income.
As interest rates above inflation are still high, if you are looking for consistent gains on their investments next year, diversify your wallet and only invest in assets you know both the expected gains and mainly, the possibility of losses .
Rafaela Azevedo 