A importância de uma reserva de emergência

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Um dos pontos que eu comentei no post “Quero investir. Como começar?” é que para que o seu patrimônio cresça, é preciso deixar o dinheiro quieto, permitindo que o tempo e os juros compostos gerem seus efeitos, lembra? Se não lembra, clica no link acima, dá uma refrescada na memória e depois volta aqui.

02-house-valueQuando digo que o investidor deve deixar o dinheiro quieto, sem ficar movimentando grandes somas de um lado para o outro o tempo todo, quero dizer quieto em ativos de valor, é claro. Um bom exemplo de ativo de valor é um imóvel que é bem localizado, se aluga facilmente e tem boa liquidez. Ou a ação de uma empresa que tem lucros consistentes há vários anos, tem situação de caixa e dívida estável e boa governança.

Se o ativo perde seu valor (o bairro do imóvel acima começa a ficar muito violento ou começam a construir uma favela do lado, ou ainda, a empresa que você detém a ação começa a dar prejuízo), aí sim é o momento de pular fora, alocando seu dinheiro em outros ativos com valor.

Tirando estes casos que normalmente são bem raros, volto a insistir que o dinheiro tem que ficar quietinho lá no seu investimento, para você se beneficiar com os rendimentos ao passar do anos.

E onde a tal da reserva de emergência entra nesta história toda? Bem, a reserva de emergência é necessária por algo chamado imprevisto. Como se diz no dia-a-dia: “Imprevistos acontecem”. E acontecem mesmo! Por mais que você se esforce para planejar e prever tudo (eu mesmo sou um freak do planejamento), sempre vai haver uma coisa ou outra que vai fugir do seu controle e vai requerer um dinheirinho (às vezes, dinheirão) pra voltar aos ponteiros. Neste exato momento, a reserva de emergência mostra a sua importância, pois ela impede que você coloque a mão nos seus investimentos no primeiro imprevisto que aparece.

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Portanto, o investidor bem preparado que se depara com um imprevisto qualquer, utiliza temporariamente os recursos da reserva de emergência, resolve o problema, repõe a reserva o mais rápido possível e não trisca o dedo em nenhum momento nos seus investimentos. Essa é a situação ideal para lidar com imprevistos que necessitem que dinheiro para se resolver.

Indo para o lado mais prático da coisa: como montar a sua reserva de emergência?

Listei alguns pontos fundamentais para te ajudar a fazer isso:

▪  Acumule o equivalente a 3 meses do seu custo de vida padrão
Não existe uma regra oficial gravada na pedra, mas eu recomendo que a sua reserva de emergência tenha o valor equivalente a 3 meses do seu custo de vida padrão. Ou seja, se você gasta em média 3 mil reais por mês, tenha 9 mil reais na sua reserva de emergência.

▪  Deixe o dinheiro da reserva de emergência numa conta totalmente separada dos seus gastos do dia-a-dia.
Caso contrário, a tendência é você misturar as bolas e começar a usar o dinheiro da reserva. Procure uma alternativa que não cobre nenhuma taxa de manutenção e que você possa até mesmo ter um cartão separado para saques ou gastos no débito.

▪  A sua reserva de emergência tem que ter liquidez imediata!
Esqueça fundo DI de liquidez diária, título do tesouro direto, CDB de sei lá o que… Quer saber a real? Coloca esta sua reserva na poupança. Isso mesmo! Poupança. Você tem que ter a possibilidade de acessar imediatamente o dinheiro no caso de um imprevisto, transferindo da sua poupança para outra conta ou indo a um caixa eletrônico e sacando a grana na hora.

▪  Não fique obcecado por rentabilidade.
Para aplicar a recomendação anterior de usar a poupança, você não pode ser obcecado por rentabilidade. Todos nós sabemos que o retorno da poupança é um lixo. Em muitos períodos, perde até da inflação, ou seja, seu dinheiro vai progressivamente perdendo valor ao longo do tempo. Mas este é o preço que se paga para ter liquidez imediata.

▪  O seu dinheiro não precisa estar necessariamente alocado 100% no ativo de maior rentabilidade possível.
Reforçando um pouco mais o ponto anterior, que é de fundamental importância não apenas para a reserva de emergência como também para a diversificação, que é outro assunto que trataremos no futuro:

De que adianta manter todos os seus recursos em investimentos com o máximo de retorno possível (supondo que seja possível fazer isso com eficácia ao longo dos anos…) e numa situação de emergência ter que se desfazer deste investimento justamente num momento desfavorável do mercado financeiro?

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Um bom exemplo aqui são as ações. Em posts futuros vou mostrar para vocês que no mundo capitalista, o mercado de ações é o que gera o maior retorno aos investidores de longo prazo (com muita folga!).

Acontece que no meio do caminho, o preço das ações oscila pra cima e para baixo. É renda variável, sabe?

Então, de que adianta deixar todo o dinheiro alocado numa carteira de ações, mas ter que vendê-las no primeiro imprevisto que aparecer, justamente num período de queda da bolsa?

Aí, pela falta de uma reserva de emergência na poupança, você vai ser obrigado a vender seus ativos a preço de banana e destruir seu patrimônio financeiro. Neste caso, não teria sido melhor abrir mão de um pouco de rentabilidade e ter o dinheiro “parado”, esperando por você? Fora o fato de que a grana das ações vendidas só cai 3 dias úteis depois na conta da sua corretora…

Surgiu o imprevisto e usou uma parte da reserva?
Sua prioridade máxima deve ser repor este dinheiro primeiro e depois pensar em investir novamente.

Pra concluir, uma novidade que bateu no meu email na semana passada é o serviço de conta corrente que o NuBank vai passar a oferecer para seus clientes. Pra quem ainda não conhece, o NuBank até então tinha um cartão de crédito com taxas, despesas e anuidades ZERO, e com uma forma de controle dos gastos bastante inovadora para o mercado brasileiro. Utilizando um app para smartphone é possível acompanhar todas as transações de forma fácil e didática. Além do cartão de crédito, a novidade agora para os usuários é uma conta-corrente que também terá ZERO de taxas, despesas, etc. inclusive para transferir dinheiro para contas de outros bancos e, é claro, entre contas NuBank.

Outro ponto interessante é que o dinheiro que estiver disponível na sua conta-correte NuBank automaticamente será investido em títulos públicos, o que provavelmente vai trazer mais retorno do que deixar o dinheiro na poupança comum.

Se após a liberação do serviço todas estas características realmente forem oferecidas e se houver liquidez imediata para o dinheiro, incluindo a possibilidade de saques diretamente em qualquer caixa eletrônico, podemos ter aí uma bela alternativa para montarmos nossa reserva de emergência. Quem tiver interesse no assunto, dá uma olhada no site www.nubank.com.br.

É isso. Espero que este post traga mais conhecimento financeiro para a comunidade e que induza ao menos uma parte dos leitores a montar suas reservas de emergência. Certamente vão estar um passo a frente da grande maioria.

Abraço!

4.675 comentários sobre “A importância de uma reserva de emergência

    • Legal, Valdemiro! A reserva de emergência realmente é uma das ferramentas para se resguardar para o futuro. Espero que a sua já esteja devidamente montada. Aproveito pra divulgar a nova seção de “Palestras” do site. Acesse pelo botão no menu principal, lá em cima, e me diga o que achou. Sua opinião é sempre muito valiosa pra gente! Obrigado!

  1. Acredito que esses 03 meses propostos seja apenas uma estimativa mínima, na qual a pessoa deverá buscar um número confiante, como por exemplo, em caso de perda emprego o tempo que demorará para que se realoque novamente. nos demais excelente dica!

    • Isso mesmo, Rodrigo. A regra dos 3 meses é uma estimativa razoável para sua reserva de emergência, mas cada um deve decidir o que é ideal para si mesmo. Entretanto, considerando que este valor da reserva deve estar alocado num investimento de liquidez imediata, como a poupança, normalmente os rendimentos são ínfimos. É o preço que se paga pela liquidez. Não tem almoço de graça no mercado financeiro. Então, considerando o baixo retorno, não é recomendável exagerar muito na dose desta quantidade de meses. Se for um caso em que se requeira realmente consumir um valor maior, como numa situação de perda de emprego que você comentou, aí paciência… Vai ter que colocar a mão na carteira de investimentos!

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