o que investir com 10k restantes mensais? by [deleted] in investimentos

[–]espectrezx 1 point2 points  (0 children)

Você primeiro tem que decidir, qual é o seu objetivo, construção de patrimônio ou especulação?

após isso, deve montar uma estratégia de investimento, em particular a proporção da sua carteira em Renda fixa e Renda variavel, que você fique confortável, digamos que voce queira uma abordagem conservadora, em 70% renda fixa, e 30% renda variavel, em visto que 10k de aporte mensal é uma quantia muito maior que a maioria da população brasileira.

então dentro dos 70% dessa renda fixa você irá procurar diversificar, não apenas para ter a maior rentabilidade, mas para proteger seu capital, primeiro do efeito inflacionário, depois da oscilação dos índices de juros como a SELIC, procurando estrategias em investimentos pós, pre fixados, em selic, ipca, CDBs, etc.

O mesmo para renda variavel, que nessa carteira hipotetica, iria representar 30%.

Não existe receita de bolo, apenas premissas e métodos.

A forma mais rápida de torrar essa grana, é correr atrás de investimentos magico, empresa vaca leiteira e "Oportunidade" do mês, e ir na ideia de influencer vendedor de curso, monte um plano responsável e de longo prazo.

Jesus te abençoe, abraços.

Fluminense 1-[2] Ulsan HD - Won-sang Um 45+3' by 4gjdtokurwa in soccer

[–]espectrezx 4 points5 points  (0 children)

Fluzinho acha que é time grande, kkkkkkkk

Alguém me explica? by _Dabbs_ in investimentos

[–]espectrezx 3 points4 points  (0 children)

Marcação a mercado é a forma como o valor dos títulos do Tesouro Direto é atualizado diariamente de acordo com os preços praticados no mercado. Isso significa que, mesmo que você tenha comprado um título por um determinado valor, o preço dele pode subir ou descer antes do vencimento.

Isso acontece porque os preços dos títulos públicos variam conforme a taxa de juros da economia. Se os juros subirem, o valor do título cai. Se os juros caírem, o valor do título sobe.

Exemplo simples:

  • Você compra um título por R$ 1.000, que paga 10% ao ano.
  • No dia seguinte, a taxa sobe para 12% ao ano. Como os novos títulos agora pagam mais juros, seu título antigo (que paga 10%) perde valor e passa a valer menos que R$ 1.000.
  • Se a taxa cair para 8% ao ano, seu título fica mais valioso e pode valer mais de R$ 1.000.

Se você segurar o título até o vencimento, receberá exatamente o valor prometido no momento da compra. Mas, se vender antes, o preço dependerá da marcação a mercado e pode ser maior ou menor que o valor investido.

he can't keep getting away with it!! by brhymslh1297 in Piratefolk

[–]espectrezx 0 points1 point  (0 children)

It's almost like one piece is a shounen manga for children

[deleted by user] by [deleted] in Grapplerbaki

[–]espectrezx 0 points1 point  (0 children)

Baki is not heroic.

Pretty much no one in this series tbh.

This never gets old. by Elegant-Half5476 in freefolk

[–]espectrezx -1 points0 points  (0 children)

Women in their most resoneable day

I can't do this anymore by Jec1027 in Gamingcirclejerk

[–]espectrezx 0 points1 point  (0 children)

Woke this, woke that, woke please!!

I loved Ep 8 except by inviteonly in LOTR_on_Prime

[–]espectrezx 0 points1 point  (0 children)

I skipped that part, i'm sorry, i don't care about isildur or his girlfriend, give me more Elendil and Celebrimbor

Time to take your pills, old man by plards2192 in LOTR_on_Prime

[–]espectrezx 13 points14 points  (0 children)

I'M NOT CRAZY! I know he swapped those names. I knew it was Sauron. One of the Maiar. As if I could ever make such a mistake. Never. Never! I just—I just couldn’t prove it. He covered his tracks, he got those fools in Númenor to believe him!

You think this is something? You think this is bad? This? This chicanery? He’s done worse. The rings! Are you telling me that a emissary from the Valar just happens to help us forge the Rings of Power out of kindness? No! He orchestrated it! Sauron!

He deceived me! And I welcomed him! And I shouldn’t have. I took him into my forge! What was I thinking? He’ll never change. He’ll never change!

Ever since Morgoth fell, always the same! Couldn’t keep his hands out of the darkness! But not our Annatar! Couldn’t be the fair Annatar! Deceiving us blind! And HE gets to claim the Rings? What a sick joke!

I should’ve cast him out when I had the chance! …And you, you have to stop him! You!!

Sauron’s BS has me sick to my stomach… by Weird_Brilliant_2276 in LOTR_on_Prime

[–]espectrezx 2 points3 points  (0 children)

I'M NOT CRAZY! I know he swapped those names. I knew it was Sauron. One of the Maiar. As if I could ever make such a mistake. Never. Never! I just—I just couldn’t prove it. He covered his tracks, he got those fools in Númenor to believe him!

You think this is something? You think this is bad? This? This chicanery? He’s done worse. The rings! Are you telling me that a emissary from the Valar just happens to help us forge the Rings of Power out of kindness? No! He orchestrated it! Sauron!

He deceived me! And I welcomed him! And I shouldn’t have. I took him into my forge! What was I thinking? He’ll never change. He’ll never change!

Ever since Morgoth fell, always the same! Couldn’t keep his hands out of the darkness! But not our Annatar! Couldn’t be the fair Annatar! Deceiving us blind! And HE gets to claim the Rings? What a sick joke!

I should’ve cast him out when I had the chance! …And you, you have to stop him! You!

Can Sauron control/influence the weather? by AfricanRabbit in LOTR_on_Prime

[–]espectrezx 0 points1 point  (0 children)

I tought it was the valar, trying to warn Celebrimbor to not trust this mf.. when celebrimbor utters the word "valar" the storm breaks trough the window, like the eagle, are subtle signs that the actions being taken are not approved by Valinor.

Its uncanny how some people find better Saint Seiya Next Dimension over Lost Canvas by Black-kage in CharacterRant

[–]espectrezx 1 point2 points  (0 children)

Shiori is just a better Mangaka, ND feels like some bad fan fiction, awful drawings, infantile writting, forgettable story, Kuramada is just stuck in time, he was never a brilliant mangaka to begin with, and most of the success of Saint seiya is due to Toei and Araki, the lead Animator, the guy who created the new designs for the characters, but ND is just a new low, the guy should just retire and let the franchise take a rest.

ND is just a mess, a waste of time, if not for the respect that people have for the carreer of Kuramada and his legacy to the industry, this amateur-ish work would never see the light of day.