There are many types of investments and, although you have to stick to your profile before applying any amount and in any of them, it is important to understand which alternatives stand out as the best investments in the UK. Below, the main ones are:
- Private pension;
- Direct Treasure;
- LCI and LCA;
- Multimarket Funds;
- Exchange Bills.
Regardless of your investor profile, it is undeniable that you are looking for the safest and most profitable modality for your assets, right?
Then You're in the right place! In the topics below, we've gathered some of the main types of investments most profitable in the country!
Do you want to know where to deposit and make more profitable investments that can help you to continuously value your resources? Just follow along with this reading to identify the best types of investments For you!
Your investor profile
you can have a investor profile more aggressive or conservative. However, before defining it and embarking on different types of financial investments, how about understanding what will guide your decision?
For this, keep in mind, first:
- your tolerance for risk with investments;
- the goals you have when investing (it's something in the short, medium or long term like a retirement, for example);
- the initial amount available for the first contribution.
Knowing your answers to the above questions allows you to identify the best alternative among the different types of financial investments in the country.
Best types of financial investments
To start investing without adding too many risks to your decision, we recommend that you look for the fixed income investments.
And, below, we will highlight some of the main options in this type of investment!
1. Private pension
Perhaps, you have already heard of the common doubt for those who started investing and are among the private pension or treasury direct. But don't worry: let's talk about both.
starting with private pension, which proved to be a profitable option for those who wanted get out of the low profitability of savings. Even more so with the most recent discussions about the labor reforms and pension reform.
After all, the prospects for the future are pointing to the need to save continuously from an early age your income to obtain a quieter retirement.
But it's worth starting by saying that private pension not among the best investments in the UKmthem is on our list, simply because it is one of the most affordable alternatives.
In other words: you make the initial contribution based on what you have in mind, scheduling monthly investments in a fixed manner. So if you can only save $20 a month, start with that. The important thing is to get started.
But private pension, on the other hand, has two options: PGBL or VGBL. Each is taxed by Income tax in a different way, which must be observed so that you choose the modality more in accordance with your goals and needs.
2. Direct Treasure
Here, the idea is simple: your investment acts as a loan to the federal government. Consequently, the return to you is greater—a more advantageous return, therefore.
That's why more people are considering this among the different types of fixed income investments these days. It is worth noting, however, that the Direct Treasure has three options:
- investments linked to inflation — which is the IPCA+ Treasury;
- fixed rate investments;
- investments indexed to the Selic rate (Selic Treasury).
People looking for high liquidity tend to resort to the last option of the investment types: the Treasury Selic. That's because your income is very close to that of the Selic rate and its liquidity is extremely high (you can receive your withdrawal in one business day, for example).
So, for those who need quick money, in the face of any unforeseen events (such as a probable situation of stress financial), can count on the Treasury Direct.
And that, by the way, has a low minimum contribution: R$30. This makes the Tesouro Direto one of the most practical and profitable types of investments in the country.
O ÇBank Deposit Certificate it is a way to “lend” money to financial institutions that have had more withdrawals than deposits in one day. In response to the Central Bank's requirement, these transactions take place between financial institutions.
And then the investor is the one who gains as a result, injecting their investment in this modality of fixed income securities whose profitability is linked to the CDI rate.
It is worth noting, however, the specifics of each bank. CDB bonds from large banks, for example, usually generate less attractive profitability.
4. LCI and LCA
These types of investments are the acronyms for Real Estate Credit Bill is for Agribusiness Letter of Credit.
Both are applications of fixed income which have a lot to do with the CDB, but whose funds are directed to the real estate and agricultural sectors, respectively.
But the great attraction of these two types of financial investments is the following: they are tax free. All of your profitability will therefore come straight into your pocket, and will not be fragmented for paying taxes.
5. Multimarket Funds
Here, you can consider this over other types of investments if you have the moderate profile. After all, the risks are still low, although you can apply your income to stocks and commodities between others.
But it's important to have a good stockbroker to ensure you identify the best fund for your needs and goals. All because this idea consists of apply your investment in a varied portfolio.
They are bonds issued by private companies. In general, they are used to pay off some type of debt or even financing, returning to the investor with a more advantageous profitability.
But the biggest point of concern, in these types of investments, is the absence of a guarantee offered by the FGC — Credit Guarantee Fund. It is, for example, that offers a return on your investments if a financial institution enters into bankruptcy.
So pay attention to your investor profile. If you don't want any kind of risk lurking in your investments, avoid the debentures — even if the profitability is more attractive than the other types of investments mentioned above.
7. Bills of Exchange
LCs work in a similar way to CDB and LCI and LCA: they are investor loan instruments for different economic sectors. Here, however, the destination of your income can be diversified so that financial institutions can use it as they see fit.
This allows for high profitability, and you can count on FGC coverage for amounts that do not exceed R$250 thousand. It can be an interesting request to identify the best option among all types of investments on this list.
And that can leave one last question in your head, isn't it? After all, which type of investments to choose?
Our tip is that you set up a conversation with a stockbroker. This type of company can accurately assess your investor profile, as well as guide you to the best alternatives according to this alignment conversation.
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