Datacrédito: investment tips for beginners


There are many types of investments available in which people can grow their money, from stocks and bonds to real estate and mutual funds – credit Infobae

Saving money is one of the options that most people turn to as a way to prepare for the unexpected, meet short and long-term goals, and plan for a financially stable future.

However, a sure way to achieve a long-term financial goal pays off not only by saving but by investing, i.e. putting money in an account or fund with the goal of generating future profits.

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There are many types of investments and each type of investment has its benefits and risks, so it is important to understand them before investing.

Investing for the first time is not an easy task, since you must take into account the type of investment you want to make and everything that the process requires. According to the portal, Some tips that people who want to invest for the first time should keep in mind are:

  • Define investment objectives: This involves asking yourself questions like, Why do you want to invest? Do you want to save for retirement, buy a house or achieve a goal? Once the investment objectives are clear, you can start looking for investments that fit the goals.
  • Identify the risk profile: It is important, before starting an investment, to be clear about how much you want to gain, but also how much you are willing to lose. Risk profiles are classified into conservativewhich is an investor who has long or medium-term plans and expects a stable profit with the lowest possible risk; moderate, that investor who is cautious with his decisions, but is willing to tolerate moderate risk to increase his profits; and aggressivethe one who is willing to take the necessary risk to obtain the highest possible returns.
  • Start small: It is important not to invest all the money at once. It is better to start with a small amount and increase investments as you gain experience in the world of investments.
  • To diversify: Diversification is the key to reducing risk. By investing in different types of assets, you can reduce the likelihood of losing money if a single asset declines in value.
  • Invest for the long term: The stock market is volatile, so it is important to be patient and not try to make quick money. If you invest for the long term, you are more likely to make a profit.
Experts recommend that when investing for the first time, it is important to understand the different financial instruments, their risks and benefits, and how they fit into personal financial goals – Freepik credit

Savings account

A savings account is a basic financial tool that offers a safe place to store money and earn interest on that money over time. These accounts are ideal for people who want to keep their funds liquid and available if needed, while generating some return.

  • Interests: Savings accounts earn interest on money deposited.
  • Liquidity: The money is available for withdrawals at any time.
  • Initial and minimum deposits: There is no large initial deposit or minimum balance required.
  • Security: They are backed by the government or deposit insurance.
  • Transaction limitations: pThey may have restrictions on the number of free withdrawals per month.

CDT (Certificate of Term Deposit)

A Term Deposit Certificate (CDT) is a low-risk investment product offered by financial institutions in Colombia. It works in the following way:

  • Fixed term: It is agreed to deposit a sum for a specific period.
  • Fixed interest rate: earns interest at a preset rate, usually higher than a savings account.
  • Interest payment: You can receive them monthly, quarterly or at the end of the term.
  • Deposit insurance: Your investment is backed by Government insurance.
  • Penalties for early withdrawals: There are penalties if you withdraw the money before maturity.
  • Automatic renewal: some CDTs renew automatically upon expiration.

Investment funds

Investment funds are a type of investment that pools the money of different investors to purchase a diverse portfolio of financial assets supervised by experts.

  • Diversification: The funds invest in several assets, reducing risk.
  • Professional management: Professionals manage the fund’s portfolio.
  • Access to varied markets: They offer access to various markets and assets.
  • Liquidity: You can buy and sell shares daily.
  • Types of funds: There are various options depending on the risk profile.
  • Risks: Although less so than individual stocks, they still have risks.


Shares represent a part of the ownership of a company and are one of the most well-known and used financial instruments. Some features are:

  • Investment in growth: Investors buy stocks to benefit from an increase in their value over time.
  • Dividends: Some companies pay dividends to shareholders, but not all do.
  • Versatile markets: Stocks are bought and sold on stock exchanges.
  • Risk and volatility: Investing in stocks carries risks due to price fluctuation.
  • Diversification: Many investors diversify their portfolio with a variety of stocks to reduce risk.
  • Investment horizon: Investing in stocks is usually long-term.
  • Profits and losses: Investors gain by selling shares at a higher price, but may lose if the price falls.

Real estate

Real estate refers to immovable properties, such as land and buildings, along with associated natural resources, such as water and minerals. Investing in real estate involves purchasing, owning, managing or developing these properties with the aim of making a profit.

  • Property types: They include homes, commercial buildings, land and more.
  • Rental income: They are obtained by renting properties to tenants.
  • Property valuation: Properties can increase in value over time.
  • Financing: Home loans can be used to purchase properties.
  • Risks and costs: They include taxes, maintenance and market risks.
  • Diversification: To reduce risks, investments are diversified in different properties and locations.
  • Market cycles: The real estate market can have boom and bust cycles.


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