How boost your investments in 2012

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 .

 

 

Font: http://www.valor.com.br/valor-investe/o-consultor-financeiro/1137718/como-turbinar-rentabilidade-dos-investimentos-em-2012

The best actions of 2011

ON Cielo, with profitability in the year of 48% by the 25th of November was the second most profitable Ibovespa in 2011, second only to Redecard ON, with 49%.

Reporting by Luciana Monteiro and Daniel Camba, of Value, listed the shares comprising the main stock index had positive returns in that year, despite a drop of about 20% of the market as a whole.

An interesting point about the performance of Cielo ON, and six other stocks that were among the 10 most profitable in total period of eleven months it was considered incomplete in the analysis of the report, is that none of them managed to win the title of best action performance of a closed month that ultimately formed the entire period.

In the group of roles in more profitable years, Redecard ON was the champion in July, Cia Hering ON had the best performance in the months of March and April and Ambev PN beat all the others in August.

In January, February, May, June, October and November (up to 25 days), the actions that had the best monthly performance did not appear among the 10 most profitable year, when the calculation took into account the full term.

ON Usiminas was the best in January, LLX ON in February, American Stores PN in May, Sugar Loaf PN in June, Embraer ON in September, JBS ON, in October, and Marfrig ON in November. Note that none of them accumulates positive returns in 2011.

The relevance of this finding, and serves as a good guide to their investments in stocks, is that consistency of performance is critical in the long run. More important than choosing the action with the best value in a given month (or any other period) is to invest in those that consistently deliver above average earnings. But it is not easy.

See, for example, the case of Marfrig ON. Although the paper have been among the 10 most profitable of eleven months analyzed, significant losses between August and September wiped out the gains accrued in the remaining months.

Therefore, to enhance the success of their investments in stocks, set a strategy for long-term investment tips and avoid the short term, which in most cases, undermine the profitability of its investments and its strategy away from you.

 

Font: http://www.valor.com.br/valor-investe/o-consultor-financeiro/1114374/melhores-acoes-de-2011

What is risk for you ?

In discussions about the better strategies for application in published papers offered in Tesouro Direto (Treasury direct), I give my opinion if the investor wanted maximum safety, the better choose was invest in LFT, because the payment of title is adjusted by Selic rate in each meeting of Banco Central Copom. My thesis was that risk is the chance of suffer a unexpected lost in investments if goes obliged to leave the application in a bad moment. So, the LFT is a title with the less risk.

For to base my conclusion, I was showing with the daily variation of LFT with maturity in 03/07/2015, from september/2010 until november/2011. Note that each meeting of Copom the baseline of daily profitability of title varies, in line with the new basic rate of interest.

Many up a point also interesting, by emphasizing that, in reality, the risk that exist in fixed income applications in Tesouro Direto is the possibility commit some mistake in choose of the papers and lose money. This way, argued that, instead of manage by yourserlves a wallet of public titles, the application less risky was choose a good investment fund, that levied rate of manage sufficiently low.

In the End, after many discussions and with four interesting chooses, the solution of consensus was diversify the applications, building on investments goals and the specific way how each one faces the possibility of losses in your heritage.

Font: http://www.valor.com.br/valor-investe/o-consultor-financeiro/1093506/o-que-e-risco-para-voce

The future of retirement

Let’s watch this video about our retirement. This video is in portuguese, but it’s very easy for understand. If you don’t understand I will post a translation here.

http://webtvconsole.cloudapp.net/usuario3.0/embedPlayer.php?console=33&video=595&playerSkin=playerPretoAzulValor.swf&playAutomatico=1&autoHide=1

 

Font: http://www.valor.com.br/video/1086546/o-futuro-da-aposentadoria

What is an Assembly ?

An assembly contains code in an intermediate format called Microsoft Intermediate Language (MSIL) and it generates from a compiler like Visual Studio.

All compilers for .NET Framework generate code in this format, regardless of the programming language that was used to write an application. This enables the CLR to run code in the same way, regardless of the language that the developer used.

Assemblies are the building blocks of NET. Framework applications; they form the fundamental unit of deployment, version control, reuse and security. An assembly can be of two types: an executable code that other programs can reuse. By using a library, developers can modularize the development of their applications into logical components.

Assembly Singning

Assembly signing is an important step that developers should include in their build process because it provides the following benefits:

  • It protects assemblies from modification.
  • It enables you to include the signed assembly in the global assembly cache (GAC) , so you can share the assembly with multiple applications.
  • It guarantees that the name of the assembly is unique.
  • To sign your assembly, you can use the Sign Tool that provided with the .NET Framework, or you can use the assembly- signing functionality in Visual Studio.
Assembly Versioning
Assembly Version information is stored in the assembly manifest and is used with the assembly name and culture to derive the assembly’s identity. An assembly version number consists of the following:
  • Major version number
  • Minor version number
  • Build number
  • Revision number

    Understanding and writing his first method in C #

    As we are developing our code, we realize that they can be divided according to their functionality. By carrying out this division, we are actually creating blocks of code that perform a certain task. And we found that these code blocks can be reused often in the same program. Thus, the mechanism used to trigger the execution of code blocks is given the name of the method (or function in languages ​​such as C and C + +).

    A method in its simplest form, is just a set of instructions that can be called from a program of strategic locations. Here’s an example:
    / / A method that takes no arguments
    / / And returns no value
    static void method () {
    Console.WriteLine (“I am a method”);
    }
    This method only displays the text “I’m a method.” See the use of braces {and} to delimit the area of ​​operation of the method (the method body). The keyword void indicates that this method returns no value at the end of its execution while the static keyword is best explained in our section on modifiers in C #. All methods in C # have brackets, which serve as markers for the list of method parameters. Empty parentheses indicate that the method has no parameters.

    Listen now to a full code snippet illustrating the call to the newly created:
    / / A method that takes no arguments
    / / And returns no value
    static void method () {
    Console.WriteLine (“I am a method”);
    }

    static void Main (string [] args) {
    / / Make a call to the method
    method ();

    Console.WriteLine (“\ n \ nPress a key to exit …”);
    Console.ReadKey ();
    }

     

    Let’s go training 🙂

     

    Font: http://www.arquivodecodigos.net/dicas/c-csharp-entendendo-e-escrevendo-seu-primeiro-metodo-em-c-2515.html