From R$10 to the stock market: young people from the interior of SP tell how they started investing and experts give tips

Emergency reserves and debt settlement open doors for new investments Investing money is not a habit exclusive to those who have large amounts available. Young investors and experts from the central-west region of São Paulo show that, with financial organization, planning and contributions that can start with low amounts, it is possible to take the first steps and make money work for the future. Experts teach that the first step is to pay off all debts. The second is to be able to save an emergency fund. This amount refers to at least 3 to 6 times the monthly expense, according to some of them. And it is important to understand that it is not six times the salary you receive, but six times the amount related to your monthly expenses. ? Join the g1 Bauru and Marília channel on WhatsApp With this “mattress” made, the time has come to start investing in other more profitable and slightly more risky things. And then the doubts begin, because there are many options, but in the report, you can see some examples and how they work in practice. READ ALSO With a bazaar and financial education, a school in Bauru teaches children to avoid debt in the future ‘Financial education’: boys sell handicrafts and collect cans to buy their dream horse and skateboard From piggy bank to PIX: how children are learning to deal with money; expert explains Experts give tips on investment options TEM TV/ Reproduction From emergency reserves to investments Thamires Gomes dos Santos works as a business analyst in the interior of São Paulo. Today, financial organization is part of her life. First came the habit of saving money. Afterwards, she became an investor. "The emergency reserve is the first step. After that, after I defined my emergency reserve, it was more secure, I started to act with other more daring investments, which would be the Stock Exchange, shares, real estate funds, other modalities that, you have the risk and the profitability is not guaranteed. So, having this security previously, to start acting with these modalities is fundamental", And with that, she understood a key point, that large amounts of money are not necessary to start investing. "We often have the stereotype that only rich people invest, that I need to have a lot of money. But no, I think that the habit of saving, regardless of the amount, is already important. I started with R$10, R$20. In fact, we have Tesouro Direto, which is a very conservative investment, which is from the government itself. And it starts there with R$30.40. So, you don't need to have all that wealth." The Treasury Direct, in fact, is a good start to talk about investments. Treasury has to do with the Union's cash flow, because it is basically as if the investor lent money to the government, as investment advisor Felipe Chad explains. "In Tesouro Direto, the investor lends money to the government. The government needs to close its accounts, pay public bills. So, it issues debt, it always gets into debt. And then, the small investor can participate in this, they can lend money to the Treasury. Basically, it is lending money to the Union, to the federal government, through the Treasury Direct, with very low, very affordable amounts. These investments have a deadline. So, there are Treasury Direct investments with very short, reduced terms, one year, two years, even investments that go until 2065. So, it can serve as a kind of tool for retirement.” Thamires says that he started by saving R$10, R$20 and now makes bolder investments, such as shares on the Stock Exchange TV TEM/ Reproduction But how does it work in practice? Financial consultant Emerson Santos explains how investments work in practice, with an example of investing R$1,000, comparing savings, fixed income investments and variable income investments. “Today, you have three types of investment, one of which is savings, you have fixed income and you have variable income. Savings are not so advisable, because when you invest R$1,000 here, you will only receive the income after 30 days. If you need this amount on the 27th day, you will have no income. As for fixed income and variable income, if you invest the same R$1,000 within those 27 days, you will earn interest daily. So, fixed income or variable income is more advantageous", he explains. In addition, there is the percentage of income for each modality. "In terms of income, today, savings are yielding around 0.5, 0.6, 0.7% at most, and this in one month. So, you will earn [with the amount of R$1,000] R$7.00 in one month, that is, just in 30 days. In the other option [fixed or variable income], because it is a daily income, you will have a higher income within these 30 days, but if we think that you will have approximately a 1% income, you will earn R$10 within the month, but if you take this money in 15 days, the R$5.00, approximately, is guaranteed. Multiplying this by 10, by 100, is how much you earn daily.” And the difference between fixed and variable income? “Between fixed income and variable income, there is a big difference. Fixed income, when you invest the money, you already know how much you will earn in the future. Variable income will depend a lot on the financial market, these fluctuations that occur upwards or downwards", highlights the consultant. Emerson explains the differences between the types of investment TEM TV/ Reproduction Young investor At the age of 16, Victor Salina realized that there was life beyond savings and went even further. Today, he works helping other people to make their money pay off. "At the age of 16, I began to become interested in the area. When I was 18, I started saving the money I had and putting it to invest. This interested me more and more until I decided that this was one of the professions I wanted to pursue in my life and I am