Como montar uma carteira de investimentos diversificada?

Você com certeza já ouviu a famosa frase “não coloque todos seus ovos em uma única cesta”, certo? 

Pois bem, ela faz bastante sentido quando se fala em diversificação de riscos.

Imagine no caso de uma queda da cesta. Se os ovos estiverem juntos na mesma cesta, possivelmente vários ou todos quebrarão.

Caso estivessem em cestas diferentes, você minimizaria seus riscos salvando os demais ovos.

Quando tratamos de investimentos não deve ser diferente: a concentração apenas em um único ativo gera ineficiência para sua carteira!

Aumentando a diversificação do seu portfólio, você pode reduzir os riscos, teoria formalizada pelo ganhador do prêmio Nobel de Economia, Harry Markowitz.

Mas também não é possível obter grandes retornos sem correr riscos, pois ninguém conhece o futuro. Uma dose de risco pode e deve fazer parte da sua estratégia!

O ideal é tentar montar uma carteira mais eficiente, buscando melhorar a relação risco x retorno.

Em um cenário ruim, perde-se pouco. Em um cenário positivo, ganha-se muito.

“Eu penso que a primeira coisa que você deve ter é uma alocação estratégica em ativos diversificados, assumindo que você não sabe o que o futuro pode trazer.”

– Ray Dalio

Devemos ter um portfólio bem balanceado, que te proteja de tempestades inesperadas, seguindo a ideia de Ray Dalio em seu “all-weather portfolio” (portfólio para qualquer clima), para assim poder enfrentar qualquer cenário sem perder o sono.

O poder na mão dos pequenos investidores

Os avanços da tecnologia tornaram o universo dos investimentos mais acessível à pessoa física.

Agora, mesmo com pouco dinheiro, é possível montar uma carteira diversificada de qualidade rapidamente pela internet.

As plataformas digitais estão brigando para oferecer investimentos melhores, mais baratos e com aplicações iniciais cada vez mais baixas.

Agora o investidor não precisa mais da ajuda “camarada” do seu gerente de banco.

Evite o conflito de interesses.

“Nunca pergunte a um barbeiro se você está precisando cortar o cabelo”.

– Warren Buffett

Credit: Photo by Nati Harnik

Mas afinal, como diversificar minha carteira de investimentos?

Reserva de emergência

O primeiro investimento do portfólio deve ser alocado em uma aplicação de baixíssimo risco e que tenha possibilidade de resgate rápido.

Para a chamada “reserva de emergência”, sugiro fundos DI, que investem apenas em LFT (Tesouro Selic), títulos públicos com rentabilidade atrelada ao CDI, e possuem liquidez no mesmo dia (D+0).

*O CDI acompanha a Selic, taxa básica de juros da nossa economia, hoje em 3% ao ano.

As plataformas do BTG, Órama, Pi e Rico oferecem fundos DI isentos de taxa de administração, portanto com rentabilidades próximas a 100% do CDI.

São alternativas seguras, com resgate rápido e mais rentáveis que a poupança.

Além de ser a parcela conservadora do portfólio, este colchão de liquidez é importante para cobrir despesas de curto prazo e para aproveitar oportunidades de investimento que apareçam no caminho.

Ou seja, é o seu caixa remunerado.

Caso você já tenha pelo menos o montante de três vezes o valor de seus gastos mensais em aplicações como essas, então pode ser interessante diversificar o portfólio com ativos de risco em busca de retornos superiores ao CDI.

Crédito Privado

Títulos emitidos por bancos e por empresas, como oferecem um risco de crédito superior ao Tesouro, devem oferecer retornos superiores.

Alguns exemplos de títulos de crédito privado:

  • CDB (Certificado de Depósito Bancário)

  • LCA (Letra de Crédito do Agronegócio)

  • LCI (Letra de Crédito Imobiliário)

  • CRA (Certificado de Recebíveis do Agronegócio)

  • CRI (Certificado de Recebíveis Imobiliários)

  • Debêntures

Além da taxa de retorno oferecida no título, deve-se analisar o risco de crédito do emissor e o prazo, pois estes títulos possuem baixa liquidez no mercado secundário.

Quanto mais longo for o vencimento, maior deve ser a taxa de retorno oferecida, devido às incertezas em relação ao futuro.

Pode-se investir também em fundos de crédito privado, que oferecem uma flexibilidade maior, com possibilidade de resgates em prazos mais curtos, e conseguem reduzir os riscos pulverizando sua carteira com títulos de diversos emissores.

Renda fixa atrelada à inflação

Títulos com rentabilidade indexada à variação da inflação (IPCA) mais uma taxa prefixada.

Estes títulos, além de proteger seu poder de compra, podem ser atrativos em cenários de queda dos juros futuros.

A taxa é inversamente proporcional ao preço do título. Quando a taxa cai, o título tende a se valorizar.

Nos títulos do Tesouro Direto, se precisar vender antecipadamente, o Tesouro Nacional pagará o seu valor de mercado e, neste caso, há risco de perda ou potencial de ganho acima da taxa contratada.

Quanto mais longo o vencimento, maior o risco (volatilidade) e maior o potencial de valorização.

Renda fixa prefixada

Nos títulos prefixados, você sabe exatamente a rentabilidade que irá receber se carregá-lo até a data de vencimento.

Esses títulos são indicados para um cenário de queda dos juros futuros

A taxa é inversamente proporcional ao preço do título. Quando a taxa cai, o título tende a se valorizar.

Até o vencimento do título, seu preço pode variar conforme marcação a mercado.

Nos títulos do Tesouro Direto, se precisar vender antecipadamente, o Tesouro Nacional pagará o seu valor de mercado e, neste caso, há risco de perda ou potencial de ganho acima da taxa contratada.

Quanto mais longo o vencimento, maior o risco (volatilidade) e maior o potencial de valorização.

Fundos Multimercados

O investimento em fundos multimercados também é interessante para uma parcela da carteira, uma vez que os gestores conseguem realizar investimentos mais sofisticados e não acessíveis ao investidor pessoa física comum.

Esses fundos podem acessar oportunidades no mundo inteiro, nos mercados de Bolsa, câmbio e juros.

Por meio deles você pode, por exemplo, apostar na alta da Bolsa alemã, no aumento dos juros da Venezuela ou no dólar contra a moeda chinesa.

Atualmente, é possível encontrar fundos de excelentes gestoras com aplicações mínimas de 1 mil, 5 mil e 10 mil reais, antes acessíveis apenas aos milionários.

Fundos Imobiliários

Os fundos imobiliários também são bons instrumentos para compor o portfólio, uma vez que podemos ter um ambiente mais favorável para essa classe de ativo, com uma expectativa de melhora do mercado imobiliário e com os juros em patamares mais baixos.

Como o lote padrão dos FIIs é de apenas uma cota e algumas corretoras não cobram corretagem, não é necessário concentrar grande parte do patrimônio em apenas um fundo – é possível diversificar com fundos de edifícios comerciais, galpões logísticos, shoppings, entre outros.

Além disso, os rendimentos (aluguéis) dos FIIs são isentos de IR para pessoa física, sendo uma alternativa mais vantajosa do que investir em imóveis físicos.

Leia mais sobre os FIIs nesta matéria.

Ações

Na alocação em renda variável, a compra de ações, seja de forma direta ou indireta (via fundos), pode potencializar os retornos do portfólio.

O investidor pode ganhar na valorização dos papéis e também na distribuição dos lucros pela empresa, via pagamento de dividendos e juros sobre capital próprio.

Caso o investidor não tenha capital para diversificar o portfólio com pelo menos cinco papéis diferentes, visando reduzir o risco, sugiro fazê-lo via ETFs (fundos de índice negociados em Bolsa) ou fundos de ações.

Pode-se investir no BOVA11, que replica a carteira do Ibovespa, e no SMAL11, que segue o desempenho do Índice Small Cap, composto por ações de menor valor de mercado.

Vale lembrar que algumas corretoras zeraram suas taxas de corretagem e custódia para ações e ETFs, custos que penalizavam bastante o pequeno investidor.

Em algumas plataformas de investimentos, também é possível encontrar fundos de ações indexados ao Ibovespa com baixa taxa de administração (abaixo de 0,35% ao ano), que podem ser boas alternativas para alocação em Bolsa.

Dólar (proteção)

E como não temos bola de cristal, sugiro que você tenha sempre uma parte do seu dinheiro em dólar, pois ele tende a se valorizar frente às moedas emergentes em cenários desfavoráveis para a economia.

Uma vez que não sabemos quando uma crise poderá ocorrer.

Incluir seguros na carteira permite ao investidor ter uma posição maior em ativos de risco.

A alocação em moeda americana pode ser feita com investimentos no exterior ou em fundos cambiais.

Importante dizer que o excesso de confiança pode levar o investidor comum a concentrar grande parte do seu patrimônio em poucos ativos ou, pior, num único ativo, o que pode levá-lo à falência.

Alguns investidores acham que sabem mais do que os outros e por isso conseguem bater o mercado sempre – ledo engano. Se até os gestores profissionais têm anos negativos, que dirá o resto.

Você não vai ficar rico do dia para a noite, nem com um investimento certeiro, mas, sim, a partir da gestão do seu portfólio como um todo; saber qual percentual alocar em cada classe de ativos é o que fará a diferença no longo prazo.

Dada a impossibilidade de bater o mercado de forma sistemática, monte uma carteira diversificada e balanceada.

Faça uma alocação de recursos inteligente, diversificada e balanceada que vai gerar uma sólida construção patrimonial no longo prazo.

Como acompanhar sua carteira de investimentos?

Agora que já você já sabe como montar uma carteira de investimentos, lembro que a diversificação dos recursos em diferentes classes de ativos e em diferentes instituições financeiras pode dificultar o acompanhamento e controle do patrimônio.

Entrar no site de cada casa e classificar seus investimentos em uma planilha de excel pode dar trabalho e tomar muito tempo.

Visando solucionar este problema do investidor, o Fliper é um aplicativo que consolida os investimentos de forma automatizada, diferente dos outros, em que os usuários precisam inserir os dados manualmente.

O app também mostra a evolução do patrimônio e a rentabilidade do portfólio, podendo compará-lo aos principais índices do mercado, como CDI e Ibovespa.

Telas do app Fliper

O Fliper pode ser baixado para sistemas Android e iOS.

Um abraço e bons investimentos!

Walter Poladian Filho, CFP®
Formado em administração de empresas pela FAAP, planejador financeiro certificado (CFP®) pela PLANEJAR, possui também a certificação PQO da B3 e é consultor de valores mobiliários na CVM. Com experiência de mais de nove anos no mercado financeiro, atuou como planejador financeiro na Empiricus e em passagem por duas grandes corretoras (Rico e Link), atuou como gestor da mesa de renda fixa, consultor de investimentos e operador (broker) nos mercados de ações e derivativos.

Siga-nos

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