What Bank Instruments Should I Choose?

1
What Bank Instruments Should I Choose?
2
(No Transcript)
3

• Adequate term bank instruments allow establishing
  future plans with greater certainty, considering
  the investor's needs.To increase wealth,
  savings accounts and investment funds are key.
  However, the most suitable term goals and
  investments should be considered, that is, the
  time planned to have the resources to achieve the
  objectives.Therefore, the differences between
  investment and saving, investment terms, and when
  it is best to use them to meet goals should be
  explained.Savings or investment what is
  better?

4
(No Transcript)
5

• Saving is focused on preserving capital, close
  goals, and quick access to money. However, the
  interest received is minimal and is related to
  the amount saved.On the other hand, mutual
  funds generate higher returns, but their risks
  depend on market factors and the stock market.
  Also, you don't get the money right away. It is
  advisable to consult with professionals to know
  the benefits and risks for the good of the
  heritage.Define the term of an investment for
  the goalsTo properly use and understand how
  fixed, short, medium term note (MTN) and
  long-term note investments work, you have to set
  objectives according to the time you want to
  achieve.

6
(No Transcript)
7

• Types of short-term investmentIt is ideal to
  receive immediate liquidity or for goals in the
  near future. It has a horizon of three months or
  up to a year, and you can have the money before
  the established time without receiving penalties.
  Its performance is low, but it gives economic
  protection. It can be considered to buy a laptop
  in three months or repair the house in 6 months.
  It is advisable to create a savings account
  available 24 hours for emergencies.Medium term
  note (MTN) investment typesIt is ideal for
  future goals between 1 to 5 years. These medium
  term note (MTN) terms offer attractive rates, but
  you cannot have the resources for a while. An
  option to invest in mutual funds, since with a
  certain margin of risk more returns are
  generated. You can think of this kind of time
  frame to buy a car.

8
(No Transcript)
9

• Types of fixed-term investmentTo understand how
  fixed-term investments work, you must first
  define the amount and term to invest, liquidity,
  profitability, and security. Here you can decide
  whether the earnings are received on a monthly or
  quarterly basis. At the end of the
  pre-established period, you can have the initial
  money plus the interest earned.By knowing the
  investment terms that exists in the market, it is
  easier to identify the most suitable depending on
  the objectives. For example, when investing in
  bank instruments, you can choose the term ranging
  from 1 to 182 days, receiving the investment and
  interest at the expiration of the period.

10
(No Transcript)
11

• Another option is the flexible plan to invest
  money in terms of 182 and 364 days with renewal
  or receiving the capital weekly or monthly.
  Finally, there are the CEDES that offer fixed
  rates with investment terms of 90 and 180 days,
  or variable rates with terms of 196 days.The
  investment terms are adjusted to the needs,
  goals, and preferences of the investor, you just
  have to inform yourself and know the details of
  each one to receive the expected profits.

12
(No Transcript)