The video discusses the steps to invest money correctly, specifically for beginners. The speaker emphasizes the importance of knowledge and mindset in making smart investment decisions.
The four main steps outlined are:
1. **Pay off debt**: Before investing, it's essential to pay off high-interest debts to free up more money for investments.
2. **Change your mindset**: Adopt a long-term perspective and focus on steady, solid profits rather than quick gains.
3. **Create an emergency fund**: Save 6-12 months' worth of living expenses to cover unexpected events and ensure financial stability.
4. **Invest for retirement**: Calculate your desired retirement income and multiply it by 300 to determine your target savings.
The speaker also discusses the importance of:
* **Liquidity**: Having easy access to your money when needed.
* **Profitability**: Earning a good return on investment.
* **Risk**: Understanding and managing the level of risk associated with different investments.
Additionally, the video recommends:
* **Using a broker**: To access a wide range of investment options and potentially lower fees.
* **Registering at a digital bank**: To avoid transfer fees and maximize investments.
The speaker concludes by emphasizing the importance of making informed investment decisions and encourages viewers to take control of their financial futures.
Here are the key facts extracted from the text:
1. The speaker's goal is to teach viewers how to invest their money correctly.
2. The first step in investing is to pay off debt.
3. If you're not in debt, the next step is to change your approach and mindset towards investments.
4. A positive and correct mindset in investments is to look at yield and profitability as something solid and perennial.
5. The speaker's first priority is the present, but also considers the future.
6. The speaker recommends creating an emergency fund to prepare for unexpected events.
7. The emergency fund should cover 6-12 months of monthly expenses.
8. The speaker uses the example of saving 7,200 reais for 6 months of expenses.
9. For entrepreneurs or self-employed individuals, it's recommended to save 12 months of expenses.
10. The next step after creating an emergency fund is to think about retirement.
11. Only 1% of people retire with the same standard of living they had before retirement.
12. To prepare for retirement, you need to think about how much you want to earn per month and multiply it by 300 to get the total amount needed.
13. Using the example of wanting to earn 7,000 reais per month, the total amount needed would be 2.1 million reais.
14. The speaker recommends investing in long-term applications such as stocks, real estate funds, debentures, and treasuries.
15. The characteristics of long-term applications are profitability, risk, and liquidity.
16. The speaker recommends diversifying your investment portfolio and studying more to understand the markets.
17. A broker can provide access to a wide range of investment products and help you make informed decisions.
18. The speaker recommends registering at a digital bank to avoid transfer fees.
19. The speaker simulated a comparison between investing with a regular bank account and a digital bank account and found that the digital bank account resulted in higher returns over time.
20. The speaker emphasizes the importance of being careful with taxes and costs when investing.