Investimentos Inteligentes - Gustavo Cerbasi

Getting rich is a matter of particular preference, so mitigating spending and not deteriorating every monthly pay and investing with quality makes all the difference following a personal life project. Gustavo Cerbasi in the book "Smart Investiments" will teach you how to do it!

Thus, to make an investment considered smart, it is necessary to use the right analysis tools in order to maximize the chances of good returns.

The idea of the book is to explain precisely the best investment formula in a simple and objective way, with comments on strategies to multiply equity safely and efficiently.

Got interested to change your financial life? Stay with us in this summary and learn everything you need to know!

About the book "Investimentos Inteligentes"

In the book “Investimentos Inteligentes” (2013), the author Gustavo Cerbasi aims to facilitate and assist those who want to start investing, as well as direct those who are already investors but do not obtain satisfactory results.

The author exemplifies unsuccessful situations, provides definitions of investor and speculator, and addresses regulated markets such as SUSEP (Private Insurance Superintendence), Central Bank, Real Estate Commission, among other matters to qualify and prepare the investor.

These lessons are divided into two parts in the full edition, with its 12 chapters spread over 256 pages.

About the author Gustavo Cerbasi

Gustavo Cerbasi holds a master's degree in Business Administration from the Faculty of Economics and Administration of the University of São Paulo and a degree in Public Administration from the Getúlio Vargas Foundation.

He is the largest reference in financial intelligence in Brazil. He is a consultant, a speaker and an author of 15 books. Gustavo also wrote the bestseller "Smart Couples Get Rich Together", which inspired the films of the franchise "Até que a sorte nos separe", "Until Lucky Do Us Part" in free translation, the first trilogy of Brazilian cinema.

Cerbasi is dogged persistent about educating for enrichment, Cerbasi develops training, lectures and consulting for various audiences throughout Brazil. In addition, he has extensive practical and academic experience in business finance, family planning, and home economics.

To whom is this book indicated?

If you have never had contact with financial education and want to gain the basic knowledge to become an investor and multiply your resources, you are in the right place!

The book serves as the gateway to those wishing to enter the financial market with the prior knowledge needed to make the best choices.

Main ideas of the book "Investimentos Inteligentes"

The key points of the book, summarized in short sentences, are:

• Investing is multiplying your assets;
• It is important to get into the habit of thinking for yourself;
• People with good investment know their own business well;
• The basis of your investment policy should be the safety margin.

But don't worry about understanding them for now, because we'll be through them all!

In this summary, We will explain to you the 6 major parts of the book, showing the author's best ideas in each of them!

Download the "Investimentos Inteligentes - Gustavo Cerbasi" Book Summary in PDF for free

Do you have no time to read now? Then download the free PDF and read wherever and whenever you want:

Overview: Investing is Multiplying

In this chapter, the author Gustavo Cerbasi presents examples of the differences between investment, accumulation, consumption, and savings.

Risks should not be avoided, however, if you study well, know the investment, can manage when they arise, resulting in greater gains.

Given this, "Smart Investiments" states that increasing wealth is an investment, regardless of how it is done. What differentiates the quality of investments is the degree of attention employed.

The author exemplifies the idea of using a teaching method for his children. It is best not to pass on real estate to them, but to give them a good financial education, teaching them how to build their own home and enjoy their savings for future retirement.

Having no vision at all can make the cheap come out expensive!

Overview: What not to do

Here, Gustavo Cerbasi gives some examples of unsuccessful investments where finances have not been multiplied, such as:

• Investors with a single source of income;
• Expect to have money left to invest;
• Count on many (or one) institutions to manage their wealth;
• Want to start big;
• Saving instead of investing;
• Have only one investment;
• Tax evasion;
• Contribute unnecessarily to the INSS (Brazilian Social Security);
• Not taking advantage of a PGBL;
• Have excessive turnover in investments;
• Paralyze your investments;
• Borrow money to invest.

Overview: The Art of Investing - Good Investor Qualities

"For you to practice, you have to like what you do."

The book "Investimentos Inteligentes" says that it is important, first, to invest in something that gives you pleasure. Don't try to go against nature. Be careful that you are no longer one of the investors who make the wrong decisions, in the throes of market emotions and the euphoria of news stories.

Initially, have quality in your investments. With the right attitude plus information, good choices will come. The author cites some elements that were important in your personal enrichment project and that will serve you as well, such as:

1. Have Perseverance: "Investing is nothing more than planting feet of money";
2. Address Clearly Defined Goals: "Get out of the stands of life";
3. Make short, medium and long term plans: "Planning is necessary";
4. Use your time wisely: "Copper expensive for your time";
5. Have discipline and be organized: "Always listen to the pessimists";
6. Be selective with diversification: "Diversify, but don't disperse";
7. Rebalance: "Good choices do not necessarily depend on theoretical knowledge";
8. Have a Plan B: "Do not forget the lifeguard; nor the beer";
9. Have tax intelligence: "Know your duties better, to do less";
10. Make partnerships: "Two heads think better than one".

Overview: The Million Dollar Question

Many people think that investing is always the best solution. But make no mistake! Yes, there are alternatives that are more appropriate at certain times. The important thing is not to know where to invest, but how to invest.

The best investment is one that meets your needs, your financial condition, risk tolerance, as well as your investment term and knowledge about such product.

The author cites the 7 most common myths among new and inexperienced investors:

• Myth 1: Brazil is a place where the money is easily earned;
• Myth 2: Brazil is a tough place to make money;
• Myth 3: Risky investments are good until a crisis appears;
• Myth 4: Risk must be avoided or minimized;
• Myth 5: Your profile doesn't match certain investments;
• Myth 6: It takes timing to invest well;
• Myth 7: I am a well-informed investor.

Overview: Smart Fixed Income Strategies

In the second part of the book "Investimentos Inteligentes", the author Gustavo Cerbasi approaches specific strategies for families, products and usual alternatives of the market, according to their peculiarities.

Thus, fixed income strategies are presented, including government bonds, the savings account itself (which once again has advantageous uses) and the like, false savings, CDBs, debentures, LCIs and more.

The issue of taxes is handled with special attention, as it often makes all the difference, but it is not presented so clearly by our bank managers.

Overview: Smart Strategies for a Balanced Life

In the book's conclusion, Gustavo Cerbasi concludes with the goal of a balanced life, stating that the option of becoming an investor should not have a negative weight on personal and family life.

That is, having an easily accessible emergency reserve, using private pension for its primary purpose, dealing with institutions and people you trust, and various other touches from those already experienced in the subject.

He also suggests that you do not walk in the dark, that is, you understand first where your money is going and only then make an investment.

What do other authors say about it?

In the book "Me Poupe!", the author Nathalia Arcuri has developed a guide, containing a step by step, some analysis and practical exercises to really know your financial reality before making decisions.

In "The Dumb Things Smart People Do With Their Money", the author Jill Schlesinger says that people should not invest their money in what they do not know. You must have good planning and a thorough knowledge of where to invest.

Finally, in "The Intelligent Investor", considered the best investment book ever written, the author Benjamin Graham explains how to invest in stocks and the characteristics of an investor who knows how to play the stock market: discipline and consistency.

Okay, but how can I apply this to my life?

To become a good investor and achieve the expected results you need:

• Practice new investments;
• Have quality in the management of your investments;
• Get better information and studies on finance;
• Study the market to plan the enrichment;
• Find out more about investments and analyze certain addictions;
• Invest safely and choose the right investment for you.

Did you like this summary of the book "Investimentos Inteligentes"?

Are you ready to start investing correctly? Leave in the comments your feedback about this Pocketbook, so we can always offer the best content!

If you want to go deeper and do the exercises, you can buy the book by clicking on the image below: