Since the 20th century, the world has seen several changes regarding women's rights. As the years passed, the female population gained the right to study, vote, work and do other things that were previously only allowed to men. Despite all the evolution, women still face several challenges in society today.
Currently, women work outside the home and have an income, but they are still on the sidelines of issues such as financial planning and investments. In this way, the money they receive does not always contribute to their financial autonomy, for reasons such as the lack of knowledge about the market, the difficulty in accessing information about investments and the control of their finances by men.
In addition to work, financial planning is a way to take charge of your own decisions and have control over your lives.
Financial planning: guarantee of independence
Planning your financial life involves many issues: organizing accounts, cutting unnecessary expenses, setting goals, saving part of your salary and investing. All these factors, together, ensure that, in situations of need, women are able to support themselves and have a comfortable life. In this way, planning financially also means ensuring your independence and security.
For the short term, saving a monthly amount of money works, but in the long term, the ideal is to have investments. This is because investments yield more than savings over a longer period of time, that is, they work for long-term goals. How to pay for a property, open a business or take a higher education course.
In addition to the financial return and personal benefit, there is an investment modality that allows you to promote transformations throughout the country: impact investing. Want to know how this works? Keep reading.
First, let's understand what the two main investment categories are:
- Fixed income: In this investment format, the investments have remunerations predicted at the time of investment. This means that when ?hiring? With this investment, you already know how much you will receive in the end. Examples of this type of investment are CDB, Tesouro Direto and LCI.
- Variable income: This category includes investments whose financial return is not predictable or measured at the time of investment. In this way, the receipt of capital varies positively or negatively according to what happens in the market, as in the case of stock exchange shares and real estate funds.
Within these categories there are many investment possibilities. To decide which is ideal, pay attention to the risks, payment conditions and the financial return generated.
Impact Investment: financial return and socio-environmental transformation
At Sitawi, we were pioneers in the Impact Investment modality in Brazil, this type of investment uses the Blended Finance approach to finance impact businesses. This means that, on the Sitawi Platform, several people invest in a single organization and after the grace period they receive their investments with the interest on the loan made.
Our team has a process for choosing those businesses that capture through the Platform, this way it is possible to evaluate the positive impact they bring to society and the environment and whether it will be possible for the organization to repay the money invested in it. This means that investments are made to companies with the capacity to transform Brazil and still repay the loan made.
Furthermore, with the Crowd Lending Platform, we make impact investing accessible to everyone: you can invest online from R$ 10 in businesses that generate social and environmental transformation in the country. Your savings can do more for your financial independence and positive impact.