How to invest 100 reais? | Best Tips |🥇Complete Guide 2021

how to invest 100 reaisMany people wonder how to invest 100 reais. After all, maintaining an emergency reserve is fundamental to achieving financial autonomy. Many cases of people who lost their jobs, but managed to “hold their ends” with a small amount of money saved, inspired many others to follow suit.

That's why we decided to show you how to invest 100 reais, which is a low value, but if kept in the right way, it can pay off well.

If you want to invest with up to 100 reais, we will show you interesting and affordable options to place your money safely. First of all, it is important for you to know that there are two main ways for those looking to invest 100 reais in Brazil: fixed income and variable income. Both offer good investment options, but for very different profiles.

While fixed income is aimed at a more conservative profile, variable income is for those who are more challenging, who like to deal with the uncertainties of their investments and have a more aggressive profile. Next, let's understand a little more about them. If you want to know how to invest up to 100 reais, rest assured, both types of investments have interesting options.

Read on to see the main ways to invest 100 reais and profit.

How to make money investing 100 reais?

It is possible to bet on different investment funds with up to 100 reais and have a nice income. So even if it's just an emergency reserve you want to create, keeping the money saved and yielding is the best choice.

how to invest 100 reaisThe last few years were certainly memorable for the financial market. For some years, this sector has been marked by brokers and digital banks that promised to reduce bureaucracy and facilitate access to credit and investment for people of all incomes.

According to a survey by B3, there was a significant drop in the initial investment value of investors. The average investment value of individuals in the first half of 2021 was R$352. Meanwhile, in the same period in 2020, the medical value was R$985.

This means that people have started to understand that you don't need to have a lot of money to invest. In other words, you can invest according to what is available in your portfolio and also in line with your investor profile. That's why many people start in this market wondering how to invest 100 reais.

In Brazil, there are 2 main types of investments: fixed income and variable income. Fixed income has a more conservative profile and variable income has a more aggressive profile.

Next, let's understand what the differences are between investing in fixed and variable income, read on.

Fixed Income

As the name implies, fixed income is a type of investment famous for offering more security to investors. For those looking to invest 100 reais, this is an excellent option to keep your money safe and profitable.

Some of the most famous fixed income investments are:

  • Treasury Direct
  • Savings
  • CBDs
  • debentures
  • LCI
  • LCA
  • CRI
  • CRA

Variable income

Unlike fixed income, the variable proposes that the return on investment is more unpredictable at the time of investment. The value will vary according to market conditions, and other more particular aspects depending on the chosen asset to invest.

Most people think that investing in variable income only pays back for those who have a lot of money to invest. This is not true! Today, it is possible to invest with values ​​less than 100 reais (even with shares below 1 real) and get a good return. Remember that the greater the risk, the greater the responsibility to keep an eye on assets.

Some examples of variable income investments are:

  • Share
  • Crypto Signals Room
  • Real Estate Funds
  • ETFs
  • exchange rates
  • Investment Funds

In order to invest with little money in variable income, it is important to have smaller lots – since generally, when investing in shares, the “standard package” is 100, which ends up making it more expensive. But, if you want to start with a smaller amount, it is possible, in the so-called fractional market.

This fractional market is a fraction of the value of a stock, that is, the yield ends up being lower, but it can yield extra money. Later, we will explain in more detail how to invest 100 reais in shares.

How to invest 100 reais today?

There is no lack of opportunities in the democratic financial market that cater to all types and profiles of investors – from the most aggressive to the most conservative. But how do you know the best way to invest 100 reais?

This is a very common question and the answer will depend precisely on your profile, the risks you want to take and also the period you intend to make the money pay off. What many analysts recommend is that you leave the money in for as long as possible. Especially the fixed income ones, which the value is fixed as soon as you make the purchase of the asset.

There are several investment options these days that can be made through brokers, which in addition to allowing you to start with a more timid value, are also transparent and easy to access. We made a selection of funds for you to discover and decide which is the best for your moment – ​​in addition, we will also give tips on how to invest 100 reais in each one of them.

ShareTreasury DirectReal Estate Funds

How to invest 100 reais in shares

How to invest 100 reais in shares Shares are fragments of the market value of a company that is listed on the IPO, that is, publicly traded. This amount is divided into thousands of parts, each of these individual fractions representing a share, thus, it is as if the company had different owners, and divided proportionally between shareholders and CEOs.

Investing 100 reais in shares is possible, but it is something a little more complex. That's because usually when you buy assets on the stock exchange, these funds are traded in lots, usually with 100 shares. That is, even if you buy a lot of shares below 10 reais, the amount to invest is R$1.000.

However, there is an option to buy shares from the fractional market, where you can buy only a piece of a share instead of a whole one. Therefore, the investment value ends up being lower.

Invest 100 reais now

How to invest 100 reais in Tesouro Direto

How to invest 100 reais in Tesouro DiretoThere are several Treasury Direct options available to the investor. The IPCA Treasury is one of the most profitable fixed income securities. Investing in the national treasury is one of the best investment bets, after all, your company can buy government bonds without major difficulties and still count on the federal government's guarantee to recover the money whenever you want.

This public bond is considered a hybrid income between fixed rate + variation according to inflation. Therefore, the recommendation is that investments made in IPCA treasury be long-term. Furthermore, it is not recommended that the money be redeemed before the agreed deadline. For those looking to invest 100 reais, the good news is that with just over R$30, you can buy government bonds.

This fixed income investment is one of the most suitable for you to keep your emergency reserve, after all, the values ​​are fixed, with all rates agreed upon at the time of purchase.

Invest 100 reais now

How to invest 100 reais in Real Estate Funds

How to invest 100 reais in Real Estate FundsIs buying real estate fund shares with 100 reais possible? That's right! You didn't read that wrong, whoever is looking for how to invest with 100 reais can acquire real estate funds. These are equity funds that carry a certain risk (less than equities). Therefore, we recommend it to those who already have experience in buying and selling assets, as it can be a very volatile market.

Real Estate Funds are investments aimed mainly at those who want to live on income, because they distribute profits among investors.

Invest 100 reais now

Step by step on how to invest in shares with 100 reais

To start investing in shares it is important to look for a safe broker with safe options to choose different assets to invest in the Stock Exchange. In addition, the company needs to be flexible to suit your investor profile, whether you are a more aggressive or more cautious trader. Regardless of your choice of asset, one of the best brokers to have as your ally in your financial strategy is Rich Investments, which has the right proposal to ensure flexibility and practicality for all types of investors – not to mention that it is one of the safest in Brazil.

Simple, fast and with the possibility to register 100% digitally without needing the intermediary of banks, then Rico Investimentos is the right choice for you.

Step 1: Open an account at Rico Investimentos

First of all, for you to be able to enjoy the benefits of investing in Rico, you need to create an account. The opening is quite simple, you just need to have a document with a photo (RG, CNH or RNE), your residential and business address - a tip if you don't know these last two in your head is to have a electricity or water bill to consult.

The account is opened on the Rico Investimentos website by filling in the following fields with your information:

  • Individual data;
  • Access data (login and password creation);
  • Personal data;
  • Home address;
  • Issuance of document with photo;
  • Affiliation;
  • Profession;
  • Business address;
  • Financial data (monthly income, property data, real estate, etc.);
  • Origin of resources/Professional occupation;
  • Bank data.

Finally, Rico also seeks to know where you found the broker and whether you agree with the terms of service and privacy policies. With all the information filled in, just proceed to the fund transfer step.

Step 2: Transfer your money to Rico

Once the account is opened, Rico issues a branch and checking account number, just like any traditional financial institution. With this information you can make the transfer via TED from your bank account to the broker.

Step 3: Choose a stock to invest

Now the best time has come: choose how to invest 100 reais and start your investment journey. If you have the most aggressive profile, it's worth investing in best actions for day trade on the Stock Exchange. If you're not sure which strategy to follow, know that Rico offers a test with some questions that will help you choose the ideal investment according to your preferences.

Selected investment, now just go to the best part: deposit your money in assets!

Open account at Rico

Is it worth investing 100 reais?

how to invest 100 reaisInvestments below 100 reais are good alternatives to start investing, totally demystifying that old story that you need a lot of money to buy funds from the financial market.

It is possible to earn money by investing 100 reais a month in your Rico account with investment funds. Do you know all the advantages?

The first thing you need to keep in mind is that the initial investment of 100 reais is not intended to pay off immediately. The truth is that the beginning will serve more as a learning curve for you to catch what we call “financial market malice”. This will help you understand more about the operations of trading.

As you feel more comfortable and have money to deposit in your account, the better. The best tip we can give is to look for the investment with the best return, but with competitive and low-cost rates and taxes. Thus, it is possible to avoid the risk of being harmed by rising inflation and losing the money invested.

Is it an advantage to leave the 100 reais in savings?

In recent years, savings have proven to be one of the worst fixed income investments. Many Brazilians still choose to leave their money in this fund, which has been accumulating high interest rates for some time now.

Even when the Selic increases, which in theory should be the moment of high investments in savings, the return is very timid when compared to other fixed income values. In 2012, the rules on savings were changed, and today, it yields the equivalent of 70% of the Selic, which represents a very low annual income.

Savings have existed for 160 years and today has one of its lowest performances in history. That's why investing in other funds can be more interesting. Tesouro Direto has become one of the most sought after options for Brazilians who want to get out of savings, as it yields more, especially in long-term investments. In addition, the value is fixed, that is, before making the purchase, you already know what the income will be at the end of the stipulated period. Thus, investors looking for higher returns usually do not find it worth investing 100 reais in savings.

How to invest 100 reais in cryptocurrencies?

You may have heard a saying that “grain by grain the chicken fills the ground”, right? Cryptocurrencies are indeed quite expensive assets traded these days, but that doesn't mean it's impossible to find them. best Bitcoin exchanges in Brazil.

There is even a story of a Brazilian who has been investing in cryptocurrencies since October 2019. Every month, he puts in R$ 100 – until last month, Huberto Leal already had 23 Bitcoin assets. He started investing in the midst of the worst moment for cryptocurrencies, a period known as the “crypto winter”, but the investor identified an opportunity there.

In August of this year, he saw the investment yield 281% in the semester. The investment made by Huberto was R$ 2.300, but today, thanks to the currency's appreciation, he already has R$ 8.798,59.

Huberto's story is an inspiration for those who are eager to stand out in trading and shows that it is possible to invest in current currencies to achieve future gains. Even if it is a lower value, you can take the first step and count on a safe and stable accumulation, which in the future can yield much more money than invested. In the case we counted above, the money more than tripled.

Another important thing that Huberto's story tells us is that you don't need to know right away about trading cryptocurrencies. The first investments served more as a test for the boy to get experience and then go on devising his strategies to operate his cryptoactive portfolio. The ideal is to wait for specific periods of devaluation of the digital currency, in order to have a much more expressive yield in the long run.

But after all, how is it possible to find a financial institution that accepts an investment of 100 reais to buy cryptocurrencies? In fact, what you buy are the “satoshis” which work in practice as “cryptoactive shares”. In other words, you buy a small fraction of the digital currency chosen to invest.

For this, it is important to look for exchanges that offer practicality and affordable cost for you to be able to invest even with little money. Below, we have separated the main cryptocurrency brokers for you who are looking for how to invest with 100 reais.

BinanceGravelBitExchange

Binance

Binance is one of the most loved exchanges of Brazilians, especially for buying Bitcoins. It generally concentrates a good part of the market's crypto trading, just to give you an idea, according to Cointrader Monitor's July balance sheet, the brokerage alone traded 38,6%, which represented 11.625 Bitcoins. Binance's market share is the highest in the last five months.

With these titles and notoriety in the financial market, Binance is considered the largest broker in the world in terms of market volume. Here in Brazil, many investors see the chance to invest with little money and count on it safely and quickly. Cryptoactives can be purchased with a Visa and Mastercard credit card, and you can withdraw funds directly from Pix and pay no fees.

Advantages:

  • Quick registration
  • Various cryptocurrencies to trade and buy

Disadvantages:

  • High credit card purchase fees
  • Maximum redemption of 0.05 for those who did not take KYC

Gravel

Ripio is an international company that arrived in Brazil in 2019. It is a cryptocurrency exchange born in Argente, which offers interesting possibilities for those looking to invest 100 reais. Ripio is a platform considered safe and has more than 500 thousand customers, as well as a digital portfolio service for its investors. The main advantages of investing in this exchange are listed below:

  • Rate: 1% for reais and 1% for miners
  • Deposit: cryptocurrencies and bank transfer
  • Do you accept card? Not at the moment, but there is an ongoing project to accept Visa cards
  • Cashout processing time: up to 24 hours or 30 minutes depending on the method
  • Minimum withdrawal request: none

BitExchange

BitCâmbio It is an excellent Brazilian exchange for those who want to buy Bitcoin for deposits in reais or cryptocurrencies. This company appeared in 2013 in Brazil and specialized in the cryptoactives market, offering a safe, flexible and low-cost operation. Below, we separate the main advantages and information of the broker:

  • Fee: 0,1% for deposit and trading fee (0,2% buy and 0,7% sell)
  • Deposit: Bank transfer, Bitcoin, boleto and pix
  • Do you accept card? No credit card accepted
  • Withdrawal rate: BRL 10,99 + 0,99%
  • Withdrawal processing deadline: 2 days for bank deposit and instantaneous deposit for Pix/Bitcoin
  • Minimum withdrawal request: 100 reais

How to buy cryptocurrencies through eToro?

We couldn't stop talking on our list about eToro: one of the best Bitcoin brokers in Brazil today. It has more than 10 million users worldwide and has been investing in technologies and providing an enabling environment for its customers to invest in a democratic way: that is, you can start with 100 reais.

A operates both with Bitcoin as well as with other cryptoactives, and you can choose which one to invest 100 reais in right now. In addition, eToro is always attentive to high and low moments to improve itself and offer good conditions for clients in trading. Below, check out the step by step:

Step 1: Create an account on the eToro website

Creating an eToro account is quite simple. By accessing the main page of the eToro website, you already have all the necessary information for your registration.

After registering, it is necessary to authenticate your data. Verification is 100% online, you will only need a photo ID (RG, CNH or Passport) to complete the registration.

Step 2: Make your first deposit

To start investing in cryptoactives, you need to put money into your eToro account. Just click on the option that says “Deposit Funds” and add the amount you want to invest by the tool itself. The minimum amount is U$D 50.

etoro

Step 3: Choose the cryptocurrency

With the money in the account, you can choose the best cryptocurrency to invest, just choose the asset and click on "trade".

And now, are you convinced that investing 100 reais is possible and can provide an excellent return in the future? We hope our comprehensive guide has given you valuable tips whatever your investment profile. Just rely on organization and start from somewhere, be it 100 reais or even less!

Open eToro account

FAQ

How to start investing with 100 reais?

To start investing with 100 reais you need to open a brokerage account. There you will have access to different types of fixed income and variable income investments.

What to invest with 100 reais?

When looking for how to invest 100 reais, today the investor has several options. It is possible to invest 100 reais with fixed income and variable income, including shares and cryptocurrencies.

How to invest 100 reais and have a quick return?

Those looking to invest 100 reais and have a quick return usually end up choosing variable income, through investments in stocks and cryptocurrencies.

How to invest 100 reais and profit?

The best way to invest 100 reais and profit is choosing investments that relate to your investor profile.

How to make money with an investment of 100 reais?

When people look for how to invest 100 reais, many also ask themselves if it is possible to make money with this amount. There are many ways to invest 100 reais and make money from it.

What is the best investment with 100 reais?

Those looking for the best investment with 100 reais need to know that there are different types of investments available in the market. The vast majority of them can be fixed income or variable income.