Formação e preservação de patrimônio: perfil do investidor e carteira de investimentos
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Data
2019-06
Autores
Orientador
Salvi, Eloni José
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Resumo
O presente estudo está relacionado às finanças pessoais e discorre acerca das estratégias de
investimento utilizadas para a formação e preservação de patrimônio financeiro. Possui como
finalidade identificar se essas estratégias estão de acordo com o perfil de risco do investidor, e
se há planejamento financeiro para a conquista dos seus objetivos de investimento por parte dos
respondentes. Possui caráter descritivo e teve como público-alvo todos os professores da
Universidade do Vale do Taquari – Univates, Instituição de Ensino Superior situada na cidade
de Lajeado/RS. Dos 493 professores que a Universidade possuía na época da pesquisa, 79 deles
se dispuseram a responder ao questionário. Entre outros assuntos, o estudo abordou questões
relacionadas ao perfil socioeconômico dos respondentes, aos seus horizontes de planejamento,
seus atuais investimentos nos quais os patrimônios estão distribuídos e às suas percepções
quanto à segurança e tranquilidade desses mesmos investimentos. A ferramenta utilizada para
a identificação do perfil de investidor, Análise de Perfil Investidor (ÁVILA, 2019), indicou uma
predominância do perfil de investimento moderado, embora os investimentos realizados tenham
indicado um perfil conservador, com aversão ao risco e a perdas de capital. O trabalho
identificou que os respondentes sabem da importância do planejamento financeiro e que
possuem um horizonte de planejamento de longo prazo. É possível concluir que as estratégias
de investimento dos participantes da pesquisa são conservadoras, priorizando a preservação de
seus patrimônios. Além disso, seus principais objetivos de investimentos são a independência
financeira e a formação de patrimônio.
The present study is related to personal finances and discusses the investment strategies used for the formation and preservation of financial assets. Its purpose is to identify if these strategies are agreeing with the risk profile of the investor, and if there is financial planning for achieving their investment goals by the respondents. It has a descriptive character and it had as a target audience all the professors of the University of Vale do Taquari - Univates, Institution of Higher Education located in the city of Lajeado/RS. Of the 493 professors that the University had at the time of the research, 79 of them were willing to answer the questionnaire. Among other issues, the study addressed questions related to the socioeconomic profile of the respondents, their planning horizon, their current investments in which the assets are distributed and their perceptions regarding the security and tranquility of these same investments. The tool used to find the investor profile, Investor Profile Analysis (ÁVILA, 2019), indicated a predominance of the moderate investment profile, although the investments made indicated a conservative profile, with risk aversion and capital losses. The work identified that respondents are aware of the importance of financial planning and that they have a long-term planning horizon. It is possible to conclude that the investment strategies of the research participants are conservative, prioritizing the preservation of their assets. In addition, its main investment goals are financial independence and the formation of equity.
The present study is related to personal finances and discusses the investment strategies used for the formation and preservation of financial assets. Its purpose is to identify if these strategies are agreeing with the risk profile of the investor, and if there is financial planning for achieving their investment goals by the respondents. It has a descriptive character and it had as a target audience all the professors of the University of Vale do Taquari - Univates, Institution of Higher Education located in the city of Lajeado/RS. Of the 493 professors that the University had at the time of the research, 79 of them were willing to answer the questionnaire. Among other issues, the study addressed questions related to the socioeconomic profile of the respondents, their planning horizon, their current investments in which the assets are distributed and their perceptions regarding the security and tranquility of these same investments. The tool used to find the investor profile, Investor Profile Analysis (ÁVILA, 2019), indicated a predominance of the moderate investment profile, although the investments made indicated a conservative profile, with risk aversion and capital losses. The work identified that respondents are aware of the importance of financial planning and that they have a long-term planning horizon. It is possible to conclude that the investment strategies of the research participants are conservative, prioritizing the preservation of their assets. In addition, its main investment goals are financial independence and the formation of equity.
Descrição
Palavras-chave
Estratégia; Investimento; Patrimônio; Planejamento; Renda; Strategy; Investment; Planning; Patrimony; Income
Citação
FIEGENBAUM JÚNIOR, Valmir. Formação e preservação de patrimônio: perfil do investidor e carteira de investimentos. 2019. Monografia (Graduação em Administração) – Universidade do Vale do Taquari - Univates, Lajeado, 17 jun. 2019. Disponível em: http://hdl.handle.net/10737/2633.