What is Renda Variável?
Renda Variável is everything that doesn’t have a guaranteed return. The price goes up and down according to the market. You can earn a lot — or lose. It includes stocks, real estate funds, ETFs, cryptocurrencies, and derivatives.
Diferença para Renda Fixa
| Renda Fixa | Renda Variável | |
|---|---|---|
| Retorno | Previsível | Imprevisível |
| Risco | Baixo | Médio a alto |
| Potencial | Limitado | Ilimitado |
| Prazo ideal | Curto/médio | Longo (5+ anos) |
| Exemplo | CDB, Tesouro | Ações, FIIs |
Principais investimentos de renda variável
- Ações — pieces of companies
- Fundos Imobiliários (FIIs) — shares of funds that invest in real estate
- ETFs — funds that replicate indexes
- Criptomoedas — decentralized digital assets
- Derivativos — futures contracts, options (advanced)
Risks
- Perda de capital (your investment may be worth less)
- Volatilidade (daily fluctuations)
- Risco de empresa (company bankruptcy)
- Risco de mercado (economic crises)
Regra de ouro
Only invest in renda variável with money you won’t need in the next 5 years. And always have your emergency reserve in renda fixa before starting.