{"id":39302,"date":"2024-03-03T09:00:00","date_gmt":"2024-03-03T08:00:00","guid":{"rendered":"https:\/\/blog.urbanitae.com\/?p=39302"},"modified":"2024-03-01T13:25:53","modified_gmt":"2024-03-01T12:25:53","slug":"o-que-e-o-investimento-coletivo","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/03\/03\/o-que-e-o-investimento-coletivo\/","title":{"rendered":"O que \u00e9 o investimento coletivo?"},"content":{"rendered":"\n<p>Sabemos que a diversifica\u00e7\u00e3o \u00e9 uma das <a href=\"https:\/\/blog.urbanitae.com\/pt-pt\/2023\/01\/13\/2-as-regras-basicas-do-investimento\/?utm_source=blog_pt&amp;utm_medium=referral&amp;utm_campaign=urbanitae_blog_0324&amp;utm_term=regras+basicas+investimento&amp;utm_content=pt_inversion_colectiva\" target=\"_blank\" rel=\"noreferrer noopener\">regras b\u00e1sicas do investimento<\/a>. No entanto, se para obter uma carteira diversificada precis\u00e1ssemos investir em a\u00e7\u00f5es de diferentes empresas, setores e pa\u00edses; em d\u00edvida p\u00fablica de diferentes governos e em t\u00edtulos privados de economias distintas, e ao mesmo tempo diversificar em im\u00f3veis, commodities, etc., precisar\u00edamos ser ricos. Mas n\u00e3o se preocupe, para isso existe o investimento coletivo.<\/p>\n\n\n\n<p>Ainda n\u00e3o est\u00e1 familiarizado? A institui\u00e7\u00e3o de investimento coletivo mais conhecida s\u00e3o os fundos de investimento. Na Espanha, surgiram na d\u00e9cada de 1980 e desde ent\u00e3o fazem parte da carteira de investimentos de muitos espanh\u00f3is. A principal vantagem desses instrumentos \u00e9 que permitem investir pequenas quantias em uma ampla variedade de ativos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Investimento coletivo b\u00e1sico: os fundos de investimento<\/h2>\n\n\n\n<p>Segundo o Observat\u00f3rio Inverco, no entanto, entre os produtos contratados pelos poupadores, <strong>os <a href=\"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/01\/28\/como-comecar-a-investir-com-pouco-dinheiro\/?utm_source=blog_pt&amp;utm_medium=referral&amp;utm_campaign=urbanitae_blog_0324&amp;utm_term=investir+pouco+dinheiro&amp;utm_content=pt_inversion_colectiva\" target=\"_blank\" rel=\"noreferrer noopener\">fundos de investimento<\/a> ocupam a segunda posi\u00e7\u00e3o, com 21%<\/strong>. A op\u00e7\u00e3o mais difundida s\u00e3o os dep\u00f3sitos &#8211; manter o dinheiro guardado no banco &#8211; e, em terceiro lugar &#8211; atr\u00e1s dos fundos -, est\u00e3o os planos de pens\u00e3o, com 19%.<\/p>\n\n\n\n<p>Existem muitos tipos de fundos e muitas maneiras de classific\u00e1-los. Uma primeira diferencia\u00e7\u00e3o diz respeito ao tipo de ativo. Assim, encontramos fundos de investimento mobili\u00e1rio, ou seja, aqueles que investem em a\u00e7\u00f5es, t\u00edtulos, etc., e fundos de investimento imobili\u00e1rio, que s\u00e3o aqueles que investem principalmente em ativos imobili\u00e1rios destinados \u00e0 loca\u00e7\u00e3o.<\/p>\n\n\n\n<p>Na primeira categoria, a mais difundida, encontramos, entre outros:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fundos de renda fixa:<\/strong> Investem principalmente em instrumentos de d\u00edvida, como t\u00edtulos e promiss\u00f3rias. Buscam renda regular por meio dos pagamentos de juros.<\/li>\n\n\n\n<li><strong>Fundos de renda vari\u00e1vel:<\/strong> Priorizam o investimento em a\u00e7\u00f5es e outros instrumentos de participa\u00e7\u00e3o em empresas. Oferecem a possibilidade de crescimento por meio da valoriza\u00e7\u00e3o das a\u00e7\u00f5es.<\/li>\n\n\n\n<li><strong>Fundos mistos:<\/strong> Combinam ativos de renda fixa e vari\u00e1vel em propor\u00e7\u00f5es diferentes. Buscam equilibrar riscos e retornos, adaptando-se a diferentes perfis de investidores.<\/li>\n\n\n\n<li><strong>Fundos indexados:<\/strong> Reproduzem o desempenho de um \u00edndice espec\u00edfico, como o IBEX 35. Seu objetivo \u00e9 igualar a evolu\u00e7\u00e3o do \u00edndice de refer\u00eancia.<\/li>\n\n\n\n<li><strong>Fundos subordinados:<\/strong> S\u00e3o fundos que investem em um \u00fanico fundo de investimento, sendo este fundo subjacente respons\u00e1vel por investir em diferentes ativos.<\/li>\n\n\n\n<li><strong>Fundos monet\u00e1rios:<\/strong> Concentram-se em instrumentos de curto prazo e alta liquidez, como dep\u00f3sitos a prazo. Oferecem estabilidade e seguran\u00e7a com retornos modestos.<\/li>\n\n\n\n<li><strong>Fundos de retorno absoluto:<\/strong> Buscam obter retornos positivos independentemente das condi\u00e7\u00f5es do mercado. Utilizam diversas estrat\u00e9gias para alcan\u00e7ar esse objetivo.<\/li>\n\n\n\n<li><strong>Fundos negociados em bolsa (ETFs):<\/strong> Negociados em bolsa, seguem um \u00edndice espec\u00edfico e permitem que os investidores comprem ou vendam a\u00e7\u00f5es de maneira semelhante \u00e0s a\u00e7\u00f5es tradicionais.<\/li>\n\n\n\n<li><strong>Fundos de investimento livre (hedge funds):<\/strong> Utilizam estrat\u00e9gias diversas, como alavancagem e derivativos, para buscar retornos superiores. S\u00e3o direcionados a investidores sofisticados e t\u00eam maior flexibilidade em seus investimentos.<\/li>\n\n\n\n<li><strong>Fundos de fundos:<\/strong> Investem em outros fundos em vez de ativos diretos. Buscam a <a href=\"https:\/\/blog.urbanitae.com\/pt-pt\/2023\/03\/26\/os-beneficios-da-diversificacao\/?utm_source=blog_pt&amp;utm_medium=referral&amp;utm_campaign=urbanitae_blog_0324&amp;utm_term=diversificacao&amp;utm_content=pt_inversion_colectiva\" target=\"_blank\" rel=\"noreferrer noopener\">diversifica\u00e7\u00e3o<\/a> por meio da gest\u00e3o de v\u00e1rias carteiras de fundos.<\/li>\n<\/ul>\n\n\n\n<p>Em todo fundo, existem dois atores principais. Por um lado, a sociedade gestora, que toma decis\u00f5es de investimento e, portanto, utiliza o capital fornecido pelos participantes (os investidores) para investir nos ativos em quest\u00e3o. Por outro lado, a sociedade deposit\u00e1ria, que \u00e9 respons\u00e1vel pela cust\u00f3dia do patrim\u00f4nio (valores, dinheiro) do fundo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Investimento coletivo via crowdfunding<\/h2>\n\n\n\n<p>Como n\u00e3o falar do crowdfunding imobili\u00e1rio, que \u00e9 o que fazemos na Urbanitae. De certa forma, a filosofia por tr\u00e1s da <a href=\"https:\/\/urbanitae.com\/pt\/?utm_source=blog_pt&amp;utm_medium=referral&amp;utm_campaign=urbanitae_blog_0324&amp;utm_term=urbanitae&amp;utm_content=pt_inversion_colectiva\" target=\"_blank\" rel=\"noreferrer noopener\">Urbanitae<\/a> \u00e9 a mesma que explicamos no in\u00edcio<\/p>\n\n\n\n<p>do artigo: <strong>democratizar o acesso ao investimento<\/strong>. O crowdfunding imobili\u00e1rio elimina as barreiras de entrada ao investimento imobili\u00e1rio, permitindo investir em muitos ativos com pouco dinheiro. A chave \u00e9 precisamente que muitos investem em vez de apenas um.<\/p>\n\n\n\n<p>Outra vantagem do <a href=\"https:\/\/blog.urbanitae.com\/pt-pt\/2023\/09\/24\/17-crowdfunding-imobiliario-o-que-e-e-por-que-investir\/?utm_source=blog_pt&amp;utm_medium=referral&amp;utm_campaign=urbanitae_blog_0324&amp;utm_term=crowdfunding+imobiliario&amp;utm_content=pt_inversion_colectiva\" target=\"_blank\" rel=\"noreferrer noopener\">crowdfunding imobili\u00e1rio<\/a> \u00e9 que visa a retornos superiores aos do investimento tradicional em im\u00f3veis, que gira em torno de 7% bruto. Ao investir em promo\u00e7\u00e3o imobili\u00e1ria (nos projetos de mais-valias) ou empr\u00e9stimos a promotores, <strong>os retornos alvo s\u00e3o, no primeiro caso, cerca de 12-18% e, no segundo, de 9-11%<\/strong>. E, assim como no caso dos fundos, o crowdfunding \u00e9 regulamentado pela Comiss\u00e3o Nacional do Mercado de Valores (CNMV).<\/p>\n\n\n\n<p>Em resumo, o investimento coletivo oferece uma variedade de op\u00e7\u00f5es, desde fundos de investimento tradicionais at\u00e9 formas mais especializadas, como o crowdfunding imobili\u00e1rio. A chave para o sucesso est\u00e1 em compreender as caracter\u00edsticas de cada tipo, entender no que estamos investindo, avaliar os <a href=\"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/01\/21\/como-reduzir-o-risco-nos-seus-investimentos\/?utm_source=blog_pt&amp;utm_medium=referral&amp;utm_campaign=urbanitae_blog_0324&amp;utm_term=risco+investimentos&amp;utm_content=pt_inversion_colectiva\" target=\"_blank\" rel=\"noreferrer noopener\">riscos<\/a> e alinhar os investimentos com os objetivos financeiros individuais. E voc\u00ea? J\u00e1 come\u00e7ou a investir?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O que t\u00eam em comum os hedge funds, os ETFs, os fundos mistos ou o crowdfunding?<\/p>\n","protected":false},"author":1,"featured_media":39289,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[853],"tags":[854,851,850],"class_list":["post-39302","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aprenda-a-investir","tag-educacao-financeira","tag-guardar","tag-investimento-pt-pt"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>O que \u00e9 o investimento coletivo? - Urbanitae Blog<\/title>\n<meta name=\"description\" content=\"Se n\u00e3o existisse, ter\u00edamos que invent\u00e1-lo. 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