Since the 20th century, the world has seen several changes in terms of women's rights. As the years went by, women gained the right to study, vote, work and do other things that were previously only allowed to men. Despite all the progress, women today still face several challenges in society.
Nowadays, women work outside the home and have an income, but they are still left out of issues such as financial planning and the investments. In this way, the money they receive does not always contribute to their financial autonomy, for reasons such as lack of knowledge about the market, difficulty in accessing information about investments and control of their finances by men.
In addition to work, the financial planning It's a way to take charge of your own decisions and have control over your lives.
Financial planning: guaranteeing independence
Planning your financial life involves many issues: organizing accounts, cutting unnecessary expenses, setting goals, saving part of your salary and investing. All of these factors, together, ensure that, in situations of need, women are able to support themselves and have a comfortable life. In this way, plan financially It is also about guaranteeing your independence and security.
In the short term, saving a certain amount of money each month already works, but in the long term, the ideal is... to have investments. This is because investments yield more than savings accounts over a longer period of time, meaning they are suitable for long-term goals, such as making a down payment on a property, starting a business, or pursuing higher education.
In addition to the financial return and personal benefit, there is a type of investment 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:
Investment alternatives
- Fixed income: In this investment format, investments have remunerations predicted at the time of contribution. This means that when you “contract” this investment, you already know how much you will receive at 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 application. Therefore, 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 possibilities of investments. To decide which one is ideal, pay attention to the risks, payment terms, and the financial return generated.
Impact Investing: financial return and socio-environmental transformation
At Sitawi we were pioneers in the modality of Impact Investing in Brazil, this type of investment uses the approach Blended Finance to finance impact business. This means that, in sitawi platform, several people invest in a single organization and after the grace period they receive their investments with the interest from the loan made.
Our team has a selection process of these businesses that are captured through the Platform, this way it is possible evaluate the positive impact that 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 in companies with the capacity to transform Brazil and still pay back the loan taken out.
Furthermore, with the Crowdlending Platform for Impact Positive, we made the 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.
