The current Brazilian economic scenario is generating instability in the market and this is nothing new. In the face of the crisis, we have two options: remain inactive or seek out business opportunities that arise at this time.
An important step is to identify the most efficient way to invest, minimizing the risks of the operation. After all, a wrong decision can lead to great financial losses.
In order not to put the company's financial health at risk and to invest venezuela whatsapp data capital assertively, it is necessary to develop a budget plan .
Where to start?
The starting point is to carry out an economic feasibility analysis. To do this, it is important to evaluate the following factors:
# Know the company's real numbers and the amounts to be invested;
# Understand in depth the company's market;
# Prepare the cash flow, with projections of gains and possible losses;
# Define the minimum attractiveness rate;
# Assess the risks of success or failure of the investment.
Two important concepts to understand in investment analysis are TMA (Minimum Attractiveness Rate) and Payback.
The minimum attractiveness rate (MAR) is what will indicate whether the investment is truly advantageous for the company. It is made up of three components:
# Opportunity cost: remuneration obtained in alternatives other than those analyzed, such as choosing to invest capital in a CDB or an investment fund.
# Business risk: the gain must compensate for the inherent risk of a new opportunity. When purchasing a certain piece of equipment, for example, it is necessary to evaluate the impact it may have on the business. Incorrect use may result in fines for your company.
# Liquidity: this is the ability to exit a position in the market to assume another. This involves assessing the capacity and time to transform an asset into capital.
When using the MARR to determine the financial viability of an investment, it is necessary to apply comparison methods in relation to a period of time, such as the Net Present Value or the Uniform Annual Cost.
Another point that should be included in the economic viability is the Payback analysis , a technique that calculates the period in which the invested capital will be returned to the investors or the company . To arrive at this value, simply apply a simple formula:
Formula_saint_paul.bmp
This method helps in decision making, as it allows you to compare the investment made with other possible investments on the market.
Example: John wants to buy a computer to develop websites. The indicated equipment will cost R$2,500.00. John already has 10 confirmed website contracts, all worth R$500.00 each. If he takes a month to create a website and receives payment upon delivery, he will have reimbursed the amount invested in the computer upon delivery of the fifth website, that is, at the end of the fifth month .