Investment Stock boxes It could be An excellent strategy for those looking for a higher return to savings, Essentially in the long run. However, investing in stocks includes higher risks and requires patience. In this article, we will mimic the amount in which you keep keeping $ 500 a month in a stock For 10 years, given the average market profitability.
What is the stock box?
one stock It is a kind of Investment Fund This applies to its capital mostly to the shares of the companies listed on the stock exchange. By investing in the stock fund, you get stakes from this fund, and thus share the assets of the wallet, which may include procedures from different sectors of the economy. These funds are managed by professionals, and their profitability depends directly on estimating or reducing the value of the procedures that make up the wallet.
The stock box profitability may vary greatly, but it is usually a long -term average 10 % to 15 % per yearDepending on the formation of the fund and performing the procedures it has.
How many years have you invested?
If you invest $ 500 per month for 10 years with an average annual profitability of 12 %, the final amount will be approximately accumulated. R $ 124,000Given Compound.
Remember that Compound It means that you do not only gain from the invested value, but also about the income generated over time. This is strength Long -term investment: The effect of a double income over the years.
The effect of taxes on income
As well as in any investment, Stock boxes He has income tax About gains. The tax rate follows a reactionary schedule, which varies according to the time of permanent investment:
- Up to 180 days: 22.5 % on capital profit
- From 181 to 360 days: 20 %
- From 361 to 720 days: 17.5 %
- More than 720 days: 15 %
That is, if the investor maintains the invested amount for more than two years (720 days), the income tax rate will be 15 % on income. Therefore, in the final amount of $ 124,000, the income tax will be deducted from the accumulated income amount.
Is it a good option?
Invest 500 dollars per month in a stock It can be a great way to collect long -term arrows in the long run, especially given the average profitability by 12 % annually. The final value can reach R $ 124,000 After 10 years, as long as the investor maintains focus and discipline. However, it is important to look at risk It is associated with stock money and evaluating their willingness to deal with possible market fluctuations.
Also remember that income tax It focuses on the profit obtained with investments, which should be taken into account when calculating the net return. As always, it is necessary to have a good financial advice to direct your planning and ensure that choosing the box is the most appropriate for your investor file.
