At the beginning of 2025, many investors could already see that there are numerous opportunities ahead, but also many challenges. Therefore, it is important to know how to navigate this dynamic economic environment to avoid unnecessary risks and increase portfolio profitability.
“While it’s necessary to pay attention to new market trends, there are some actions to protect resources that are indispensable for any investor, especially aiming to shield their savings from Brazil’s well-known and historical volatility,” says Victor Deischl, CFA, Co-founder and Investment Manager at Rubik Capital, an independent asset management and investment consulting firm.
To help those who don’t want to lose money this year, the expert listed five fundamental tips. Check them out:
- Diversify your investments
One of the most solid and well-known strategies in the market, diversifying portfolios reduces dependence on certain investments, especially in a country with fiscal uncertainties like Brazil. In this sense, Deischl recommends dividing this process between allocations in domestic and international territories.
“It’s important to keep resources in strong currencies, such as the euro and the dollar, mainly through offshore companies; and to seek investments in national exporting companies that pay good dividends and are safe,” advises the executive.
- Use digital platforms
According to a PwC survey, 74% of financial market CEOs believe that generative artificial intelligence (AI) will help improve the quality of their products and services by the beginning of 2025. This type of projection reinforces how the growth of emerging technologies is becoming increasingly frequent in the sector, especially in areas focused on risk reduction like asset management.
“AI and a range of other technological tools are excellent allies for monitoring and optimizing investment portfolios,” highlights the manager. “Within this aspect, it’s interesting to look at fintechs’ proprietary technologies, as well as open finance resources, which can enhance the performance of different profiles,” he adds.
- Follow market trends
With technological advancement, the financial market is constantly changing, making it essential to keep up with its innovations. Additionally, new regulations and best practices are being implemented by regulatory institutions and companies at all times, requiring a constant adaptation process.
Rubik Capital’s CFA cites the growing importance of ESG (Environmental, Social, and Governance) and green technologies as an example of this. “Sustainability is no longer optional in the market. This is the kind of indispensable information for investors who aim for assertive opportunities that bring increasing returns in the future,” he explains.
- Invest in financial education
To invest with quality, it’s important not to succumb to panic or make impulsive decisions that compromise the long-term growth of your assets. For this reason, financial education is essential to avoid fads and analyze each opportunity with caution.
Deischl adds that seeking specialized help, especially for Private and Ultra High Net Worth (UHNW) clients, is also part of this learning process. “Active investments, supported by experienced managers or Multi Family Offices, tend to mitigate risks and anticipate precise financial movements,” he points out.
- Have an emergency fund
Another strategic solution for any investor is to build an emergency reserve. For this, allocating these amounts to funds serves as a financial cushion for unforeseen events and allows the money to keep growing.
“There are options for all investor profiles, shielding resources for both the more experienced and beginners,” emphasizes the expert. “At Rubik itself, for example, we have four funds that are distributed and open, ranging from long-biased equity categories, multi-market, and fixed income,” he adds.
Bonus tip: personalize your investments
Deischl also emphasizes that an umbrella for all the previous tips is portfolio personalization. “Establishing a strategic and unique bias involves considering your own profile and the market nuances. There’s no one-size-fits-all recipe, only the need to make informed decisions that meet your financial goals,” he concludes.
