Frequently asked questions about Investments

The securities account serves as a support for the deposit of securities, investment funds, and bonds acquired by an investor. This account is associated with a current account, where financial transactions are made, including financial settlements of purchases and sales, dividend payments for stocks, and interest payments for bonds.

Opening a securities account does not require any specific procedure. If you don't have a securities account and want to start investing, visit our website at millenniumbcp.pt and make a purchase on the stock exchange. Your securities account will be automatically created.

The securities portfolio refers to the set of financial assets that an investor owns. These assets may include stocks, funds, certificates, warrants, among others.

The portfolio is built and managed according to the investor's goals and strategy. Diversification of securities is one of the most effective ways to achieve a balance between risk and profitability.

Liquidity refers to the ease and speed at which an investment can be converted into cash without significant loss in value. Highly liquid investments, such as stocks traded on the stock market, can be easily bought or sold, allowing investors to access their funds quickly.

Profitability refers to the financial gain, usually as a percentage, that an investor earns on their invested capital. It measures the returns generated by an investment over a specific period and is influenced by various factors, including market conditions, economic conditions, the quality of investment management, and the associated risks.

Risk refers to the potential for an investment to not meet the investor's expectations or goals. High-risk investments are more prone to financial losses. These investments are often associated with variable income and may not provide guarantees of returns or capital preservation.

In fixed income investments, the investor is able to predict returns, as the interest rates or revenues are established in advance. In variable income investments, there is no such predictability. The price of the assets can change at any time, and the returns are not predetermined.

The investor profile is a combination of characteristics, financial goals, risk tolerance, and knowledge of an investor. It is an assessment to understand the behavior and preferences of an investor in order to make more suitable investment decisions.