How much money should I invest?

Make sure the financial intermediary you choose is authorized and regulated, regardless of whether it is Portuguese, European or authorized to operate in another EU country or on an international platform. Make sure it is registered and compliant with applicable laws and regulations.

Remember the 3Ps of investment:

1. Risk profile - With the help of a financial intermediary, set your investment profile and stick to it. This profile should take into account your financial goals, current financial situation and risk tolerance. Investing in financial products has associated risks. Therefore, understanding the degree of risk is key to successful investments.
2. Prudence - Set the maximum loss of money you can bear before investing. This will help you make decisions and avoid excessive losses. Remember that expected return is always linked to risk, so calculate how much you can invest without compromising your financial stability.
3. Patience - Investing is a medium to long-term activity, so it is important to monitor your investments regularly and be prepared to deal with fluctuations in the market. By exercising patience, you increase the likelihood of achieving better results in the future.

Diversify your investments and avoid putting everything into a single option. By investing in various products and markets with different time frames, you reduce the risk of experiencing simultaneous losses. Thoughtful investment management can enhance your chances of medium-term success.

In addition, it is essential to be informed before making any investment decisions. You should understand the characteristics of the financial products, the issuers, the markets, the types of risk involved and all the associated costs. Investing in yourself by acquiring knowledge and maintaining curiosity are invaluable investments that never lose value.

Be cautious of platforms and services that advertise no apparent costs. "Zero-commission brokers" have become popular, but be aware that these companies might receive payments from third parties for directing orders, potentially limiting your investment options. Always educate yourself about the business models and the direct and indirect costs imposed by the platforms.

É importante pensar bem antes de investir. Ao escolher uma plataforma, verifique a política de proteção do investidor e descubra como e onde fazer uma reclamação. Discutir compras e vendas de produtos financeiros não é considerado abuso de mercado, mas implementar uma estratégia para manipular o preço de um título é ilegal. Mantenha-se atento a práticas enganosas que possam manipular as suas escolhas de investimento.

It is important to think carefully before investing. When choosing a platform, check the investor protection policy and find out how and where to make a complaint. Discussing purchases and sales of financial products is not considered market abuse, but implementing a strategy to manipulate the price of a security is illegal. Keep an eye out for deceptive practices that could manipulate your investment choices.

Being aware of behavioral biases, particularly during uncertain times, is crucial. To make more informed decisions, it is essential to steer clear of biases that can hinder analysis, such as overconfidence, loss aversion, unjustified pessimism, and herd mentality. By avoiding these biases, you will be better equipped to handle market fluctuations and make more deliberate and strategic choices.