Even though the Brazilian financial market is not going through the best days, investing and saving money is always a good option when it comes to family budget. For this reason, professor at FGV's São Paulo School of Business Administration (EAESP), Fabio Gallo, gives tips to those who want to save low sums - the Savings Account and the Direct Treasury, according to him, are the best options.

The risk is low and the profitability small, but the goal must be long term. Start in a simple manner with a diversified portfolio in mind, says Gallo. He also believes there are ways to merge investments to improve profits in the case of more advanced investors. Keep one part in long-term and low risk fixed income, such as National Treasury securities. Other options are Real Estate (LCI) or Agribusiness (LCA) Credit Letters. Keep part of the portfolio in the short term, such as savings and CDB, and another part in funds.

For more information, please visit EAESP's blog. (Available only in Portuguese)