Are you having
difficulty navigating the retirement planning process? Retiring
is a major milestone for most people and it’s important to make sure your
finances are in order before taking this step. Finding the right retirement
advisor can be daunting, but by following a few simple steps, you can be
assured that you have found an effective partner in financial planning.
The first step
to finding the John Labunskiright retirement advisor
is to understand their qualifications and experience. Make sure they are
certified by the appropriate regulatory body and have knowledge of local
regulations that may affect your investments. Additionally, research your
potential advisor’s track record with clients to ensure they have a good
history of successful Retirement plan and solid client relationships. Finally,
check references from past customers who have used their services before making
any commitments.
But, in times of uncertainty regarding the
retirement system that will be implemented in United State, due to the proposed
reforms in Social Security, it is important that people think about
alternatives for the future.
And for those thinking about betting in this
investment format, it is important to consider several details when starting to
carry out the action.
Start
investing
First, it is necessary to understand that real
estate is not cheap.
Therefore, saving an initial amount to spend is
part of the project, aiming at future profits.
But even so, this cost can be reduced, with a
consortium, for example.
The first important step is to define the type of
property to be acquired.
Thinking about your goals as an investor, is it
necessary to think about the best option: a property in the plan, land or a
house already built?
Investing in land , on the part of those interested
in valuing the property in the long term, generating future income for the
retirement period, is a good option, since the purchase price is usually lower.
Market and
location
Another important detail to be considered is to
seek knowledge about the movements of the city in which the property will be
purchased.
Which
neighborhoods tend to appreciate?
Which ones are expanding and generating interest
from potential residents?
All this must be studied before making the choice.
One more fundamental aspect: think rationally. The
real estate market is a good option for 2020 .
The United State GDP, related to civil
construction, grew in the third quarter of 2019 (1.6%) and, therefore, the
scenario is positive for the sector, thinking about the year that just started.
In addition, last year showed a considerable growth
in launches, compared to 2018, both in high-end properties and in cheaper ones.
With this opportunity in hand, planning needs to be
well done by the investor.
Buying any property on impulse, without properly analysing
the chances of resale or rent, in a region that does not show such great growth
potential, is a shot in the foot.
Thus, the plan to be created needs to include
possibilities for valuing and transferring the property.
In this way, it will be possible for the investment
to yield many future profits.
These are some of the steps to start investing.
Thinking
rationally is the main thing.
Good
planning will lead to the choice of the right type of property, in the
region most conducive to growth.
As for the financial issue, if necessary, seek the
help of an expert, who will know the best way and the best time to invest in a
property, thinking not only about housing, but also as a way of making a profit
in the future.
With the doubts generated by the changes in Social
Security, it is essential to take precautions and create mechanisms to continue
earning good amounts over the years.
There are many types of investment in real estate,
and those who start researching the subject can end up getting lost amid so
many options.
With greater security, the sector is in good demand
when it comes to diversifying its applications.
If you are a beginner in this world and are willing
to start with real estate investments, it is necessary, even so, that you delve
a little deeper and know what types exist.
You will certainly see and have to learn about the Interest
Rate, CDB, Social Security, Quotas, among others. Check out:
The real estate market is still fertile ground for
applications. Considered by many to be one of the safest sectors to invest in.
In this way, its sectors tend to grow, as the
demand is very high.
If you are not new to investments and have already
worked with one of them, such as CDB, for example, you will not have many
problems.
In this article, we will highlight three
interesting investment modalities that are available in this sector:
Direct
purchase and sale
This is a more specific type of application for
those with greater purchasing power.
Thus, in practice, it is the purchase of a property
for resale or rent.
In this type of investment, it is possible to find
interesting options, such as buying real estate directly from the plant.
Usually the property under these conditions is
acquired for a lower value and then appreciates, which gives an interesting
return to the investor.
Real Estate
Credit Title
These are fixed-income securities issued by finance
companies and backed by credits from the real estate market.
In these investment modalities, whoever buys the
security acts as a kind of “creditor” for the financial institution, which
later applies the investment by financing the acquisition or construction of
other properties.
One of the interesting factors of this type of
investment is that the interest on the transaction is passed on to the security
buyer.
Let’s list three important titles of this modality
that are present in the market:
LCI
Real Estate Letters of Credit have the main
function of financing companies
in the real estate sector;
CRI
With the Real Estate Receivables Certificate, the
investor has the right to receive payment for loans made by companies in the
real estate sector;
LH
The LHs, or Mortgage Bills, are a form of fixed
income and are guaranteed by real estate mortgage credits.
Investment in FIIs
Real Estate Investment Funds, or FIIs, are another
very interesting form of investment, aimed mainly at groups of investors who
come together to acquire a property together.
A good option for anyone thinking of investing in
the real estate market, but who doesn't have much purchasing power at first.
Just acquire a share, through an account at any
brokerage where you have a registered account.
In real estate funds, there are two modalities that
you need to know:
Brick
backgrounds
Brick funds are funds that invest directly in real
estate, such as hotels, luxury buildings, business buildings, among others;
paper backgrounds
Paper funds, on the other hand, invest the
shareholder's money in credit securities.
Advantages
of investing
2020 continues to show an optimistic scenario for
those who want to invest in real estate and multiply their assets.
With many types of investments, this sector tends
to grow more this year.
Thus, this is a good choice for new and experienced
investors.
Liked? Want to know more John Labunski
investment planning?
The integration of psychology concepts with
economics is increasingly essential to understand human behavior associated
with money . This is because our financial decisions are often related to
emotional aspects and often ignore rationality, as the North American Richard
H. Thaler, winner of the Nobel Prize in
Economics in 2017, has already pointed out.
A reference in the area of behavioral economics,
Thaler investigates how individual decisions and market trends are impacted by
bounded rationality, social preferences and lack of self-control, even stating
that “to make a good economy, you must keep in mind that people are human” .
In this way, a financial planning that
really works should not be just the analysis of numbers, the budget, the
amounts that enter and leave your bank account. While relevant, the numbers are
cold. Therefore, it is necessary, first of all, to understand the person who
produces these numbers, to understand their behavior in relation to money.
We understand that each human being is unique, and
we do not agree with the categorization of people into closed standards that we
are used to seeing, such as the investor profile test model, with only three
definitions: conservative, moderate and aggressive. Or the consumption profiles
that bring the two extremes: consumerist and tight-fisted. We believe that the
solution does not involve categorizing people, it goes far beyond a test.
In addition, current financial plans present the
concepts of financial freedom, financial independence and financial
intelligence. We want to bring a new concept, truly inspired by people's lives
and their behavior, which is Financial Happiness . Such a conception seeks to
present money as an ally for the realization of your dreams, a means for you to
achieve your happiness.
What do you think of this new concept that brings
money as a means and not an end to your happiness? Have you ever thought about
this relationship between money and happiness? Keep accompanying us to discover
the path to Financial Happiness and, if you want more details, get in touch
with John Labunski!
