When it comes to investments, one of the first things that comes to mind is how to ensure the security of your money. After all, who doesn't want to sleep soundly knowing that their money is growing gradually, but with little or no chance of loss? This is where fixed income comes in. But do you know which are the best fixed income investments to make your money work for you? Let's find out together!

Investing is an act of courage, but also of intelligence. However, each person has a different profile and objectives. Sometimes, it's difficult to choose among so many options on the market. If you've ever wondered where to start, or even if you're making the right choices, this article is for you. We'll talk about safe, predictable options that can guarantee a good return. Shall we begin?

What is fixed income?

Before we delve into the best options, it's essential to understand what fixed income actually is. Have you ever wondered why it's called "fixed income"? Basically, these are investments where you already know in advance what the return will be or the rules for determining it. This means fewer surprises and less risk compared to variable income investments, such as the stock market.

But does that mean fixed income is always the best option? It depends. It depends on your profile, your goals, and how much risk you're willing to take. What do you prefer: modest but predictable gains, or greater potential for profit with a higher chance of loss? It's worth reflecting on.

Government Bonds (Direct Treasury)

One of the most popular options is Tesouro Direto (Brazilian Treasury Direct). Have you heard of it? It's a government platform where you lend money to the country and, in return, receive interest. Sounds simple, right? And it really is. Tesouro Direto is known for being one of the safest investments in Brazil. After all, it's like lending money to the government, and the chance of a country going bankrupt is lower than that of a company, for example.

There are several types of bonds, such as the Selic Treasury bond, the Fixed-Rate Treasury bond, and the IPCA+ Treasury bond. Each has different characteristics. If you need liquidity, meaning you can redeem your money at any time without significant losses, the Selic Treasury bond is a great option. The IPCA+ Treasury bond, on the other hand, is ideal for those who want to protect their money from inflation and earn returns above it.

And you? Do you prefer something safer or are you looking for a return that keeps pace with inflation?

CDB (Bank Deposit Certificate)

Another well-known option is the CDB (Certificate of Deposit). Basically, it's like lending money to the bank. In return, the bank promises to pay interest on the invested amount. Cool, right? Many CDBs offer a return that can be even higher than savings accounts, with the advantage of being protected by the Credit Guarantee Fund (FGC) up to R$250,000 per CPF (Brazilian individual taxpayer registration number) and financial institution.

A Certificate of Deposit (CDB) can be either fixed-rate or floating-rate. With a fixed-rate CDB, you know exactly how much you will earn at the end of the period. With a floating-rate CDB, it follows an indicator, usually the CDI, which closely tracks the Selic rate. If you like the idea of knowing that you are earning according to the market, a floating-rate CDB might be ideal for you.

Have you ever tried investing in a CDB (Certificate of Deposit)? What did you think of the experience?

LCI and LCA (Letters of Credit)

Real Estate Credit Notes (LCI) and Agribusiness Credit Notes (LCA) are also interesting fixed-income options. Besides functioning similarly to Certificates of Deposit (CDBs), they have an extra advantage: they are exempt from income tax for individuals. This means that all the profit you make from these investments is yours, without having to share it with the government.

However, LCIs and LCAs usually require a slightly higher minimum investment amount, and they don't always have the same liquidity as Treasury Selic bonds, for example. In other words, you may need to leave the money invested for a minimum period before you can redeem it. If you're looking for something tax-free and can leave the money untouched for a while, this option is worth considering.

How about considering the possibility of investing without worrying about income tax?

Debentures and CRIs/CRAs

Looking for a slightly less conventional option, but still within fixed income? Let's talk about debentures. Debentures are bonds issued by companies to raise capital. By investing in them, you are basically lending money to a company in exchange for interest. But be careful: unlike a Certificate of Deposit (CDB), debentures are not protected by the Brazilian Deposit Insurance Fund (FGC). This means that the risk is slightly higher, but the return can be very attractive.

In addition, we have Real Estate Receivables Certificates (CRI) and Agribusiness Receivables Certificates (CRA). Like LCIs and LCAs, they are also exempt from income tax, but are more geared towards investors who can handle slightly higher risks.

Would you feel comfortable taking on a little more risk in exchange for higher returns?

Saving money: Is it still worth it?

Of course, we couldn't fail to mention savings accounts. They are, without a doubt, the most well-known investment among Brazilians. But are they the best? The short answer is: no. Savings accounts offer very low returns compared to other fixed-income options, especially during periods of high Selic interest rates.

If you're still keeping your money in a savings account, it's worth rethinking that strategy. There are several safe options that offer a better return. Perhaps it's time to explore a little more and make your money truly grow. How about taking that step?

What is the best fixed-income investment for you?

Ultimately, there is no single "best" investment that works for everyone. It all depends on your profile and your goals. If you want something extremely safe, Treasury Direct might be the way to go. If you want a little more return, but without sacrificing security, CDBs and LCIs/LCAs are excellent alternatives. And, if you are willing to take on a little more risk in exchange for better gains, debentures and CRIs/CRAs deserve consideration.

The big question is: what do you expect from your investment? When do you intend to use the money? How much risk are you willing to accept? With these answers, it becomes much easier to choose the right path.

Now that you know some of the best fixed-income options, how about reflecting a bit on which one suits you best? Perhaps it's time to take the next step and watch your money grow safely and consistently? Let's go!

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December 12, 2024