One idea came up over and over again in Ramiro Goncalves’s head while he worked as an employee in a brokerage firm: educate investors, so that they would know what could be offered to them and what the real advantages of investing were. This is how RG Inversiones was born three years ago. “I studied Economics and was employed by two brokers for five years, until 2019. I saw that most people did not have the knowledge to invest, so they could never do anything other than buy dollars and leave it. under the mattress, while very few clients were trading bonds, stocks or other more complex instruments that are clearly the highest yielders. The company where I was wanted to increase its income, that is, to have more clients or make the clients we had operate more, but the issue was that without knowledge no one can operate, so they continued only buying dollars. To get new clients you had to contact them by phone. It was about calling a stranger and saying: “Hello, do you want to invest in the market?” I called hundreds of people and could never get a new customer, and I was convinced that the way to get new customers was completely backwards. For me, it was necessary to generate content on social networks, provide value for free by educating and, in this way, people who liked the way we explained them and understood the opportunities that existed in the market were going to contact us to invest. . I spoke with the board of directors of the company he worked for and suggested that they make videos educating our clients, explaining how bonuses work, how to analyze stocks and everything that exists in the market. They did not see him drinking. But I really wanted to do it, so while I was working there I created my YouTube channel. At that time I didn’t know how to name it, so I used the initials of my name and surname and it ended up being RG Inversiones. I started making educational videos, I had a lot of repercussions and that encouraged me to resign, register as a stockbroker and start creating RG Inversiones, just as it is now”, Ramiro recalls of his beginnings, today a stockbroker registered with the National Securities Commission. and insurance producer registered with the National Insurance Superintendence.
“When I started my project, the central theme was that being from the interior, from the city of Santa Fe, I found it a bit difficult to get clients. In fact, the first day I resigned and told my friends and family I didn’t get much encouragement from them, they thought I was crazy and that I had left a very good job. But I kept creating content and started to have thousands of followers on social media. Currently, there are 33 thousand on Instagram, 15 thousand on YouTube and 5 thousand on Telegram. That made it possible to have clients from all over the country. I remember that when I resigned, at the age of 28, I thought that with a portfolio of 200 clients I was done! I calculated that it would allow me to have an income similar to what I had as an employee. After three years, we have a portfolio of 3,000 clients that together add up to 1,500 million pesos in assets. Although I have hundreds of videos on the YouTube channel so that everyone can learn to invest for free, our clients began to demand a course, in which they can learn to invest from scratch, without prior knowledge and that covers all topics; For this reason, last year we created the course “The awake investor” which has already been taken by more than 800 people. Also in 2021 we obtained registration as an Insurance Producer, to be able to offer our clients financial products that are outside the market, but that complement each other a lot, such as having retirement insurance or life insurance in addition to having a portfolio. of assets”, says Ramiro who is already working on his next goals and challenges for the future. “We want to continue growing, mainly with education, which is what we like the most. The idea is to add professionals from different areas and develop different courses, which are not exclusive to investments. For example, we are currently creating courses on spreadsheets (Excel), Marketing and programming”.
– What products or services are you currently providing?
We currently provide financial advice. We also founded the RG Academy, where we created, as I already mentioned, the course “The awake investor”, which has already passed 800 students; and RG Seguros, where we offer advice on retirement, life and property insurance.
– Why is it important for a person not to let their savings stagnate and invest?
In principle, due to the loss of purchasing power of our savings. In the last 100 years, the dollar has lost 95% of its purchasing power. If you leave dollars under the mattress, they are continually losing value, even more so now that the US has inflation of more than 7% per year. Five years without investing can lose up to half of the purchasing power of our savings. In addition, adding that the pension system in Argentina and in the world is broken, the uncertainty regarding the future of retirees around the world is very high, so creating a second source of income through investments seems to be the decision less risky in the future.
– Why is it important to make investments with a financial advisor? What is the real difference between doing it yourself or hiring a consultant?
If you are not trained, you will end up buying dollars and keeping them under your mattress, you will not invest in stocks, bonds or cryptocurrencies, because you simply do not know what they are. That is why at RG Inversiones we believe that it is essential to train and then invest. We see that many people for wanting to skip the first step and go directly to the investment, end up losing their money thinking that the market is a scam or fall into pyramid scams when tempted by exaggerated returns that do not exist in reality. Every day people write to me through social networks who literally say “I met you late, they already scammed me” where they put their life savings in a ghost company, which does not exist nor is it regulated by the National Commission of Securities.
– Can anyone learn to invest?
Yes, anyone can and does. Our clients and students are people from all imaginable fields such as doctors, carriers, police officers, nurses, marines, aircraft pilots, accountants or business employees. The return on your investments will depend on your level of training, because that way you will be able to make complex investments that most people do not understand due to ignorance. Ignorance is not a lack of intelligence, it is a lack of knowledge.
www.rginversiones.com
IG: @ramirogoncalvesok
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by CEDOC