In early 2025, various investors have already been able to see that there are several 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
"At the same time, it is necessary to pay attention to new market trends", there are some actions to protect resources that are essential to any investor, mainly aiming to shield their own savings from the known and historical Brazilian volatility, says Victor Deischl, CFA, Co-founder and Investment Manager ofRubik Capital, independent investment management and consulting
To help those who do not want to lose money this year, the expert listed five fundamental tips. Check 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 that this process be divided between allocations in the national and international territory
It is important to keep resources in strong currencies, like the euro and the dollar, mainly through offshore companies; and seek to invest in national exporting companies, that pay good dividends and are safe, advises the executive
- Utilize 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 the beginning of 2025. This type of projection reinforces how the growth of emerging technologies is becoming increasingly frequent in the sector, mainly 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. "Within this aspect, it is interesting to look at the proprietary technologies of fintechs, in addition to open finance resources, that can enhance the performance of different profiles, complete
- Follow market trends
With technological advancement, the financial market is constantly changing, what makes monitoring your innovations essential. Furthermore, new regulations and best practices are being implemented by regulatory institutions and companies all the time, requiring a constant adaptation process.
The CFA of Rubik Capital 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 type of information essential for investors who aim for assertive opportunities that bring increasingly more returns in the future, explain
- 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 ensure escape from trends and analyze each opportunity with caution
Deischl adds that seeking specialized help, mainly in the case of Private and Ultra High Net Worth (UHNW) clients, it 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, punctuate
- Have an emergency fund
Another strategic solution for any investor is to build an emergency fund. For that, applying these amounts in funds serves as a financial cushion for unforeseen events and allows the money to keep earning
There are options for all investor profiles, being able to safeguard resources for both those who are more experienced and beginners, highlights the specialist. "In the Rubik itself, for example, we have four funds that are distributed and open, varying from long biased stock categories, multimarket and fixed income, complement.
Bonus tip: personalize your investments
Deischl also emphasizes that an umbrella for all the previous tips is the personalization of wallets. Establishing a unique strategic bias involves considering one's own profile and the nuances of the market. There is no cake recipe, just the need to make informed decisions that meet your financial goals, concludes
