Planning for the Short Term: Best Ways to Invest Your Money for a Quick Return

Do you have money left over and want to make it pay without waiting too long? Short-term investing could be the ideal solution for you. In this type of investment, your money is invested for a period of less than 24 months, seeking to generate a quick return with low risk. In this article, we're going to show you the best ways to invest money in the short term, help you choose the option that best suits your profile and give you tips for making smart investments that boost your return. Discover how your money can pay off even without waiting years for a big profit.

Defined Objectives: Understand What You Need to Invest for in the Short Term


Before you go out looking for the best short-term investment, it's essential to define your financial objective. What do you need that money for?

  • Emergency Reserve: It is essential to have a financial reserve to cover unforeseen events, such as unexpected bills or temporary loss of income. Short-term investment can be a way of making this reserve yield a little more than savings.
  • Investing for a Consumer Good: Are you putting money together to buy a new car, a trip or a household appliance? Investing in the short term can help you achieve this goal more quickly.
  • Extra Income for a Specific Project: Do you need extra money to cover the costs of a course, home renovation or any other one-off project? The return on your investment in the short term could give you that financial boost.

Know Your Profile: Choosing the Ideal Short-Term Investment

As with any investment, your investor profile will determine the best option for your money in the short term. Analyze the following factors:

  • Risk tolerance: How much risk are you willing to take to achieve your goal? Fixed-income investments, such as government bonds, are usually safer, but offer lower returns. Variable-income investments, such as shares, have greater earning potential, but also involve greater volatility in the short term.
  • Redemption period: How long do you intend to keep your money invested? Some investments have a grace period, i.e. your money is tied up for a certain period. Choose an investment with a redemption period that is compatible with your financial goal.

Options Menu: Investing for the Short Term with Security and Profitability

The financial market offers several profitable investment options for the short term. Here are some of the main recommendations:

  • Selic Direct Treasury: Public bonds issued by the federal government with high security and profitability linked to the Selic rate. This is a low-risk, highly liquid option, ideal for those who need to redeem their money quickly.
  • CDB (Certificado de Depoacute;sito Bancário) with daily liquidity: CDBs are issued by banks and pay interest to the investor. Choose a CDB with daily liquidity to have the flexibility to redeem your money at any time, without penalties. Generally, CDBs with daily liquidity offer slightly lower yields than CDBs with longer maturities.
  • Short-Term Fixed Income Funds: There are investment funds that invest exclusively in fixed income securities with short maturities. This is a way of diversifying your short-term portfolio, as the fund invests in a number of different assets.

In addition to Income: Factors to Consider When Choosing the Best Investment

  • Fees and costs: Every financial investment has associated fees and costs, such as management fees, brokerage fees and income tax (IR). Analyze these costs carefully and compare the different options before making your decision.
  • Financial institution: Choose brokers or banks with a good reputation in the market to guarantee the security of your investment.

Growing Your Profits: Strategies to Maximize the Return on Short-Term Investments

Even in short-term investments, there are some strategies that can help you maximize your return:

  • Compare rates: Analyze the fees charged by different brokers and banks before investing. Even a small difference in the management fee can have an impact on your final return, especially in short-term investments.
  • Invest as soon as possible: The sooner you invest your money, the longer it will have to earn interest on interest (compound interest). Don't let your money sit idle in your current account. Even if you're only a short time away from your financial goal, invest as soon as possible to maximize your return.
  • Have discipline and avoid the emotional: The financial market can fluctuate, and it's important to maintain discipline and avoid redeeming your investment on impulse in the face of short-term fluctuations. Trust in the strategy you have chosen and focus on your medium-term goal.

Conclusion: Short-term Investing - A Strategy to Boost Your Money

Short-term investing can be a smart way to make your money pay off without waiting years for a big profit. By defining your financial goal, assessing your investor profile and choosing the right option, you can monetize your emergency reserve, put together the down payment for a consumer good or generate extra income for a specific project. Remember, success in investments requires discipline, research and the search for reliable brokers and financial institutions. With the tips in this article, you're ready to explore the world of short-term investments and take concrete steps towards achieving financial stability.