The Central Bank Monetary Policy Committee (COPOM) once again raised the basic interest rate, Selic, by 0.25 percentage point, to 15% per year. With the current level, fixed income – whose profitability follows the variation of the indicator – follows as the “darling” of investors given the low risk and high return.
The combination gains even greater relevance at times like the currentincreasing risk aversion – reflection of the latest events and uncertainties regarding conflict in the Middle East.
Understand a little more how this investment mode and its main products work, as well as the analysis of the current scenario for fixed income. See also options for those who want to invest in this asset class.
Check out 4 fixed income investments:
XP Structured Credit 120 FIC FIC Multimarked CP RL
- Minimum initial application: R $ 10,000.00
- Additional movements: R $ 1,000.00
- Minimum permanence balance: R $ 5,000.00
- Application Room: D+0 (business days)
- RESCUE RESCUE: D+120 (calendar days)
- Rescue Settlement: D+2 (business days)
- Performance rate: 20.00%
- Annual global rate: 1.50% AA
24 HOUR FIRF RL BACKGROUND
- Minimum initial application: R $ 1,000.00
- Additional movements: R $ 100.00
- Minimum permanence balance: R $ 100.00
- Application Room: D+0 (business days)
- RESCUE RESCUE: D+0 (business days)
- Rescue Settlement: D+0 (business days)
- Performance rate: There is no
- Annual global rate: 0.40% AA
LCA BANCO CNH (minimum R $ 1 thousand)*
Rate: 12.90 (AA)
Maturity: May/2028
Learn more and invest
CDB Bank XP
Rate: 100% of CDI (AA)
Maturity: June/2027
Learn more and invest
*Offers on the XP platform are limited to the available capacity of the product on Wednesday (11)
Don’t have an account on XP? Sign up here
What is the expectation for Selic, a reference for fixed income
In a recent report, XP Investimentos says he believes that Selic’s elevation to 0.25 percentage point last week was the last rise of the year.
“Monetary policy is still quite a payroll and inflation seems to have stabilized-though at high levels,” explains Caio Megale, chief economist at XP. “Our models indicate that maintaining Selic at 15% by mid -year would be enough to bring inflation near the goal break in 2026 and within the band in 2027,” adds the expert.
Later, Megale adds, some degree of monetary flexibility seems likely next year. However, it reinforces, this will depend strongly on how the global economy will evolve and, above all, the perspectives for domestic economic policy in 2027 – which follow uncertain, given the electoral calendar.
In short, Megale evaluates that the Copom has clearly signaled that the flight plan is to keep Selic Parada – and for a long time. “The committee said it anticipates an interruption of the high interest cycle in its basic scenario, to evaluate the effects of the monetary tightening already implemented,” says the economist.
Read more: Copom signals the end of the high cycle
What are LCI and LCA?
The real estate credit (LCI) is a fixed income title with income tax exemption and remuneration usually higher than savings. By investing in a LCI, you lend money to financial institutions (such as banks or mortgage companies) raise funds for the real estate sector.
In exchange for this loan, you receive interest during the period that maintains the investment. The ballast of the LCIs are real estate financing guaranteed by mortgages or fiduciary alienation.
Agribusiness Credit Letter (LCA) works similarly. But in this case, the bank lends money to farmers to finance activities linked to production, marketing, industrialization of products or agricultural inputs (machines and implements) used in agribusiness activities.
Agribusiness Credit Letter (LCA), therefore, is a title linked to credit rights originating from business producers, their cooperatives and third parties, including financing or loans.
Read more: See risks, advantages and more details about LCIS and LCAS
CDB
THE Bank Deposit Certificate (CDB) It is a fixed income title issued by banks and economic boxes to raise funds and finance their activities. It works like this:
You “lend” money to the financial institution.
- In return, on the due date, the institution returns the amount invested plus the interest agreed at the time of application.
CDB applications have the Credit Guarantee Fund Coverage (FGC) until R $ 250 thousand by CPF in each institution. This means that, until this value, CDB investments are protected in case of eventual breach of the issuer.
Among the types of CDBs are the postfixed, a modality whose compensation is linked to an economic index, usually the CDI. See the risks and advantages of the CDB.
Fixed Income Funds
Post-fixed funds have their returns linked to indicators such as Selic or CDI. Thus, when there is an increase in the basic interest rate, the remuneration of these funds tends to follow this movement, without the need for frequent adjustments in the wallet.
The inclusion of post-fixed background funds can contribute to the diversification and risk management. They are often nominated for conservative or moderate investors who seek investments aligned with interest rate behavior, but comprising variations that may occur over time.
Before investing, it is recommended to consult the Prospectus and Fund regulations to understand your strategy, costs and risks. Learn more about these factors here.
Read more: Ibovespa at 150 thousand points? Meet four funds to invest in Brazilian actions
It is sponsored content. Infoomoney has no responsibility for the offer and marketing of products disclosed in this material.
