Investimentos para todos: Um estudo educacional sobre o uso estratégico de recursos para a consolidação de capital

Abstract

This study aims to investigate, from a quantitative and pedagogical perspective, the behavior of different financial instruments, such as stocks, real estate investment funds (fundos imobiliários - FIIs), and public and private bonds, evaluating their performance based on distinct strategies. Furthermore, it seeks to demonstrate how these concepts can be integrated into daily life, contributing to the development of financially literate citizens who are capable of making more informed financial decisions. The research also explores the pedagogical application of these concepts through the integration of cross-curricular themes within the school context, based on the Base Nacional Comum Curricular (BNCC). The research also highlight how financial education can be addressed in an interdisciplinary manner. Government programs such as Pé-de-Meia and PITEC help students remain within the educational system, deepen their knowledge, and develop their own projects. The Olimpíada do Tesouro Direto (OLITEF) is analyzed as a tool for financial inclusion and the training of young investors. Finally, the study reinforces the need to address this topic as early as basic education, so that the concepts scrutinized in this dissertation can be assimilated and applied in a way that enables safer and more consistent financial decision-making.