At the beginning of 2025, several investors have already realized that there are many 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 is necessary to pay attention to new market trends, there are some actions to protect resources that are essential for any investor, especially with a view to shielding their own economies from the well-known and historical Brazilian volatility”, says Victor Deischl, CFA, Co-founder and Investment Manager atRubik Capital, an independent asset manager and investment consultancy.
To help those who don't want to lose money this year, the expert listed five essential tips. Check it 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 regard, Deischl recommends that this process be divided between allocations within the national and international territory.
“It is important to keep resources in strong currencies, such as the euro and the dollar, mainly through offshore companies; and to seek to invest in national exporting companies, which pay good dividends and are safe”, advises the executive.
- Use digital platforms
According to a PwC survey, 74% of CEOs in the financial market believe that generative artificial intelligence (AI) will help improve the quality of their products and services by early 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 such as asset management.
"AI and a series of other technological tools are excellent allies for monitoring and optimizing investment portfolios," highlights the manager. "In this regard, it is interesting to look at the proprietary technologies of fintechs, in addition to open finance resources, which can enhance the performance of different profiles," he/she/they adds.
- Follow market trends
With technological advancement, the financial market is constantly changing, making it essential to keep up with its innovations. Furthermore, new regulations and best practices are being implemented by regulatory institutions and companies at all times, requiring a continuous adaptation process.
Rubik Capital's CFA mentions 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 information essential for investors aiming for assertive opportunities that bring increasing returns in the future," he explains.
- Invest in financial education
To invest with quality, it is important not to succumb to panic or make impulsive decisions that compromise the long-term growth of your wealth. For this reason, financial education is essential to avoid fads and carefully analyze each opportunity.
Deischl adds that seeking specialized help, especially in the case of 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/she/they points out.
- Have an emergency fund
Another strategic solution for any investor is to build an emergency reserve. For this, investing these amounts in funds serves as a financial cushion for unforeseen events and allows the money to continue earning.
"There are options for all investor profiles, allowing resources to be protected both for those who are more experienced and for beginners," emphasizes the specialist. "Within 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: customize your investments
Deischl also emphasizes that an umbrella for all the previous tips is the customization of wallets. "Establishing a strategic and unique bias involves considering one's own profile and market nuances. There is no one-size-fits-all recipe, only the need to make informed decisions that meet your financial goals," he concludes.
