Investment funds present themselves as a strategic and accessible option for a wide range of investors.
For those who are starting out and looking for more profitable alternatives than traditional savings, there are simple options and easy access.
On the other hand, more experienced investors can opt for more sophisticated and customized alternatives.
In recent years, many Brazilians have discovered the benefits of investing in funds, relying on the expertise of specialized professionals to manage their resources, regardless of the amount invested.
Even those with smaller amounts have access to a diversification of investments that previously seemed inaccessible.
What are investment funds?
Investment funds are a collective financial application modality, in which several investors join their resources to invest jointly.
The management of these funds is in charge of specialized companies, known as managers, who have the necessary expertise to allocate capital strategically, choosing the best assets according to the objectives and nature of the fund.
The main advantage of investment funds is diversification.
By bringing together the money of multiple investors, these funds allow joint application on a wide range of assets such as stocks, real estate, public bonds and derivatives.
This process helps to minimize risks and maximize financial returns.
Quotas and profitability
When investing in an investment fund, the investor acquires shares, which represent fractions of the fund’s equity. The fund’s profitability is distributed among investors according to the amount of shares they have. The greater the number of quotas acquired, the greater the financial return, proportionally.
How do investment funds work?
The operation of the funds is simple and direct.
They invest in a variety of financial assets such as stocks, CDBs, currencies, derivatives and even overseas investments.
This diversification is essential to protect the investor and provide better chances of profitability, reducing the risks associated with investments concentrated in a single asset.
Risk management is another crucial point.
Funds are classified according to the risk profile of the portfolio and the type of assets in which they invest, making it easy to choose the right fund for each investor profile.
The diversification
The main advantage of investing in mutual funds is diversification, allowing investors with limited resources to have access to a varied portfolio of assets, which individually would be very difficult to achieve.
Even with a low investment value, you can access a range of assets such as stocks, government bonds, and other financial products, which helps to dilute risks and improve return potential.
For example, if a fund requires a minimum investment of R$150, any higher amount can be applied, allowing flexibility in the amount invested and facilitating diversification.
Who runs the fund?
The success of an investment fund depends on the collaboration of several institutions and professionals:
Manager: is responsible for making investment decisions, choosing where to apply the investors’ money. Its main function is to maximize the returns of the fund, according to the established strategy. The manager’s expertise is crucial for the success of the fund.
Administrator: the financial institution that creates and organizes the fund. It establishes the fund’s rules, objectives and strategies, as well as providing services such as accounting, consulting and quota distribution.
Custodian: is responsible for storing and managing the fund’s assets. In addition, it keeps records of transactions and provides important information for investors.
Auditor: an independent institution contracted to ensure that the fund’s accounting and administrative practices are in compliance with legal and regulatory standards, promoting greater transparency.
Distributors: these are the channels responsible for distributing quotas, such as banks and brokerages, which facilitate investors’ access to funds.
Fees and charges
Although investment funds have many advantages, it is important that investors are aware of the fees and charges involved, which can impact the return on investment.
Administration fee: this fee pays for the management and administration services of the fund and is calculated annually on the fund’s equity. In general, it varies between 0.5% and 4% per year, depending on the type of fund.
Performance rate: extra charge that the manager receives when the fund exceeds a pre-established reference index. It is based on the fund’s profitability and may vary according to performance.
Taxation in Investment Funds
Taxation is an important factor to consider when investing in funds.
Income tax (IR) is withheld at source on the income earned, and the taxation regime varies according to the type of fund.
For long-term funds, the rate decreases as the investment stays in place, which is advantageous for long-term investors.
In the case of equity funds, taxation follows a fixed rate of 15%, while fixed income funds, for example, have their taxation according to the regressive table, which varies from 22.5% to 15% depending on the investment period.
In addition, the Tax on Financial Transactions (IOF) is levied on redemptions made within 30 days after investment, being higher in the first days and decreasing over time.
Open funds vs. closed funds
It is essential to understand the difference between open and closed funds:
Open funds: allow the entry and exit of quota holders at any time, which offers greater flexibility and liquidity. These funds are ideal for those seeking greater mobility.
Closed funds: they operate with a period of fundraising, after which it is not possible to enter or leave the fund until the end of the pre-determined term. These funds usually have specific investment opportunities, and are more suitable for those who want to commit their capital for a longer period.
Security in the back
Investing in funds is safe, as long as the investor chooses funds managed by trusted managers and that comply with market regulations.
The funds’ resources are segregated from the assets of the managing institutions, ensuring that in case of bankruptcy or financial problems of the management, the investor’s money remains protected.
It is very important to understand the strategy in which fund you want to invest your resources and what are the assets that the fund operates, there are several strategies, risks and possibilities of profitability for all types of investors, It is recommended to invest only in funds that meet your investor profile.
Reasons to invest in funds
Investing in investment funds offers a number of advantages, especially professional management, which provides decisions based on technical and strategic analysis.
In addition, diversification and access to more sophisticated assets are other attractions. For those who do not have the time or knowledge to manage their investments independently, funds represent an excellent alternative.
Investing in funds also offers flexibility and the possibility to take advantage of unattainable opportunities individually.
In addition, funds such as pension offer portability options, allowing the transfer of resources from one fund to another, with the maintenance of the investment modality.
Get to know the funds of Okean Invest
Investment funds represent an excellent alternative for those who want to expand their share of the financial market in a strategic and diversified way.
With the help of specialized managers, any investor, regardless of the amount he wants to apply, can access a diversified portfolio and have the support of professionals to maximize their returns.
When choosing between open and closed funds, it is important to consider your financial goals and risk profile.
If you are interested in exploring the world of investment funds, Okean Invest offers a wide range of options with competent and transparent management, focused on the success of your investors.
With a highly skilled team of experts and a consistent track record of profitability, Okean Invest funds are an excellent choice for those seeking security and profitability.
