{"id":1100,"date":"2023-08-22T09:43:27","date_gmt":"2023-08-22T12:43:27","guid":{"rendered":"https:\/\/www.oppens.com.br\/?p=1100"},"modified":"2024-07-01T15:07:46","modified_gmt":"2024-07-01T18:07:46","slug":"opcoes-para-diversificar-meus-investimentos","status":"publish","type":"post","link":"https:\/\/oppens.com.br\/blog\/educacao-financeira\/opcoes-para-diversificar-meus-investimentos\/","title":{"rendered":"Op\u00e7\u00f5es para diversificar meus investimentos"},"content":{"rendered":"\n

Provavelmente voc\u00ea j\u00e1 ouviu o dito popular \u201cN\u00e3o se deve colocar todos os ovos na mesma cesta\u201d.  Parece \u00f3bvio, n\u00e3o \u00e9? Se voc\u00ea estiver com todos na mesma cesta e por acaso essa cesta cair, voc\u00ea perder\u00e1 todos os seus ovos de uma s\u00f3 vez.<\/p>\n\n\n\n

Essa frase \u00e9 muito utilizada em finan\u00e7as quando se quer mostrar a import\u00e2ncia de diversifica\u00e7\u00e3o dos investimentos. Todo investimento envolve uma certa dose de risco que, se ocorrer, pode trazer preju\u00edzos para o investidor.<\/p>\n\n\n\n

Como fazer para gerir de forma adequada esse risco envolvido nos investimentos? Uma boa pr\u00e1tica \u00e9 a diversifica\u00e7\u00e3o dos investimentos. De acordo com o perfil do investidor, que pode ser mais conservador,  que pretende correr menos riscos ou mais arrojado, aquele que est\u00e1 disposto a se expor mais ao risco em busca de maiores rendimentos, pode se distribuir os recursos investidos.<\/p>\n\n\n\n

Uma carteira diversificada pode, por exemplo, conter 40% de a\u00e7\u00f5es, 20% em renda fixa privada, 10% em renda fixa p\u00fablica e 30% em fundos multimercados.<\/p>\n\n\n\n

Uma op\u00e7\u00e3o a ser considerada pelo investidor \u00e9 o Empr\u00e9stimo entre Pessoas ou P2P Lending<\/em>. Esse tipo de investimento consiste em realizar opera\u00e7\u00f5es de empr\u00e9stimo por meio de uma SEP \u2013 Sociedade de Empr\u00e9stimo entre Pessoas, que s\u00e3o fintechs de cr\u00e9dito, institui\u00e7\u00f5es financeiras autorizadas pelo Banco Central do Brasil<\/a>.<\/p>\n\n\n\n

Para o investidor as vantagens s\u00e3o a amplia\u00e7\u00e3o de op\u00e7\u00f5es de investimento, diversifica\u00e7\u00e3o de sua carteira de investimentos, com retornos maiores do que os investimentos tradicionais do sistema banc\u00e1rio e com taxas bem acima taxa Selic.<\/p>\n\n\n\n

COMO FUNCIONA?<\/h3>\n\n\n\n

Tanto os tomadores de cr\u00e9dito quanto os investidores se cadastram na plataforma digital da fintech de cr\u00e9dito (site ou aplicativo para celular) e passam por processo de valida\u00e7\u00e3o de identidade e de informa\u00e7\u00f5es totalmente automatizado e integrado com fontes confi\u00e1veis de informa\u00e7\u00e3o, como por exemplo o Serpro do Governo Federal e as empresas de bir\u00f4s de cr\u00e9dito como Serasa, Quod, SCPC Brasil etc.<\/p>\n\n\n\n

Ap\u00f3s esse cadastro inicial (on boarding), o cliente cada um faz o registro da opera\u00e7\u00e3o e valor de seu interesse. O tomador de cr\u00e9dito pode solicitar o valor que deseja emprestar, quantidade de parcelas para o pagamento ou o valor da parcela que pretende pagar mensalmente. J\u00e1 o investidor pode selecionar as opera\u00e7\u00f5es nas quais deseja emprestar ou investir de acordo com o risco observado em cada uma delas.<\/p>\n\n\n\n

A opera\u00e7\u00e3o \u00e9 concretizada com a transfer\u00eancia de recursos do investidor (credor) para a SEP e desta para o tomador do cr\u00e9dito (devedor) com o respectivo instrumento de cr\u00e9dito (contrato de empr\u00e9stimo) entre as duas partes, constando a SEP como intermediadora da opera\u00e7\u00e3o.<\/p>\n\n\n\n

O contrato de empr\u00e9stimo deve obrigatoriamente conter as cl\u00e1usulas previstas pelo Banco Central, al\u00e9m de outas que podem variar de acordo com cada plataforma.<\/p>\n\n\n\n

O credor da opera\u00e7\u00e3o de empr\u00e9stimo e de financiamento n\u00e3o pode contratar com um mesmo devedor, na mesma SEP, opera\u00e7\u00f5es cujo valor nominal ultrapasse o limite m\u00e1ximo de R$15.000,00 (quinze mil reais).<\/p>\n\n\n\n

As opera\u00e7\u00f5es de empr\u00e9stimo e de financiamento entre pessoas configuram investimento de risco, assumido integralmente pelo credor, sem garantia do Fundo Garantidor de Cr\u00e9ditos (FGC).<\/p>\n\n\n\n

A plataforma digital da SEP se encarrega de:<\/p>\n\n\n\n

    \n
  • gerar os boletos para pagamento de cada uma das presta\u00e7\u00f5es do empr\u00e9stimo ou financiamento;<\/li>\n\n\n\n
  • repassar os devidos valores para os investidores (credores);<\/li>\n\n\n\n
  • automatizar o processo de notifica\u00e7\u00e3o, mensagens e lembretes para ambos os envolvidos, tornando o processo \u00e1gil e f\u00e1cil.<\/li>\n<\/ul>\n\n\n\n

    Cabe ao tomador de empr\u00e9stimo (devedor) pagar suas presta\u00e7\u00f5es em dia, evitando juros e multas previstas, e assim mantendo seu hist\u00f3rico de cr\u00e9dito com boa avalia\u00e7\u00e3o.<\/p>\n\n\n\n

    Cabe ao investidor (credor) fazer a transfer\u00eancia do valor acordo em empr\u00e9stimo dentro dos prazos estipulados e, como em qualquer investimento, estar ciente dos riscos envolvidos com a opera\u00e7\u00e3o realizada.<\/p>\n\n\n\n

    O investimento em opera\u00e7\u00f5es de P2P Lending<\/em> \u00e9 uma \u00f3tima op\u00e7\u00e3o para diversifica\u00e7\u00e3o de investimentos.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Provavelmente voc\u00ea j\u00e1 ouviu o dito popular \u201cN\u00e3o se deve colocar todos os ovos na mesma cesta\u201d.  Parece \u00f3bvio, n\u00e3o […]<\/p>\n","protected":false},"author":1,"featured_media":771,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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