UMA QUESTÃO DE ATITUDE

Recentemente saiu uma matéria no jornal Valor com o título: “Guardar ou gastar é uma atitude emocional”, que tem a ver com finanças comportamentais, estudos dedicados a entender como a psicologia humana impacta nas decisões financeiras, muitas vezes irracionais.

Alguns dados que aparecem na reportagem: 4 em cada 10 brasileiros tem algum investimento (replica a concentração de renda no país), 32% dos brasileiros conseguiram economizar em 2017, sendo que nesse grupo 59% mencionou redução de despesas de lazer ou compras desnecessárias para conseguir ter folga no orçamento.

Esses dados mostram que parte das pessoas mudaram atitudes e é aí que entra a questão das finanças comportamentais. Hoje se sabe que tanto decisões quanto mudanças de atitudes estão muito mais correlacionadas a questões psicologicas que simplesmente financeira.

Estes estudos acreditam que as pessoas não são tão racionais quanto as teorias de finanças tradicionais acreditavam, por sermos movidos por emoções, expectativas e normas sociais que desviam nossas habilidades de raciocínio.

Guardar dinheiro ou consumir está ligado a uma atitude emocional e por essa razão, quanto mais próximas a racionalidade conseguirmos deixá-las, mais fácil será lograr um êxito.

Poupar por poupar, sem um objetivo claro torna-se muito abstrato. É fundamental fazer sentido e a melhor maneira é estabelecer um objetivo para o dinheiro: comprar um bem, pagar a faculdade, viajar, aposentadoria ou para quando decidir deixar de trabalhar….esses objetivos devem-se traduzir em números: quanto vale, em quanto tempo pretendo ter esse valor?

Esse exercício faz com que as decisões comecem a ser racionais, e ajudam os investidores a treinarem seu mindset e estarem atentos aos seus comportamentos para evitar cometer erros ou não conseguir atingir seus objetivos.

Faça esse exercício!

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