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SÃO PAULO – Although nominal interest rates are very low (the Selic rate is 6.5% per annum – the lowest historical rate) – the real interest rate (inflation rate discounted) remains very high in the country, which
There are several applications, ranging from fixed income funds to government bonds, CBDs, LCAs, LCIs, CRIs, CRAs, debentures, etc. However, you need to pay attention to some "pitfalls", that is to say, options that even seem interesting, but that may trap you.
Before investing, remember that it is fundamental to organize a diversified investment portfolio focused on one 's investor profile, aligning risk and end – to – end goals.
In this week's "How to live on fixed income" program, the chief badyst of Rico Investimentos Roberto Indech presented the five investment applications he considers as a hole for next year, whether because of high management fees, low profitability or simply because profits are "swallowed up" by inflation. Check it:
1. FGTS
Indech explains that the FGTS has a return of 3% per year + TR (reference rate). "The Brazilian is undermined by the lack of mobility with these resources, and the profitability is very bad, lower than the annual inflation," he said.
The badyst said that in the last 20 years, only the year 2017 had an IPCA below 3.%, at 2.95%. In the others, the gains of the FGTS were lost in favor of the IPCA. For this year, inflation is expected to be between 3.6% and 3.8%.
2. Savings
The money of my sweetheart of Brazilians is considered one of the worst investments, mainly because it yields 70% of Selic's rate plus the value of TR and less than the L & # 39; 39; inflation. Currently, the book yield is 0.37% per month (the interest rate is stable at 6.5% per annum). For the coming months, the profitability should remain the same, as the market expects the Selic to remain at least in the first half of 2019.
Escape the trap: open an account free at the address According to Indech, the index IPCA (general index of retail consumer prices) is expected to close at 4.6%, while it is expected to fall to 4.4% in 2019 or 4.5% – it's still Selic. To give you an idea, if the investor had bought a CDB with a 115% CDI return and maturing for one year, he would have earned 7.5% (gross) – 3 points more than the savings carried out
3. CBD with a yield of up to 85% of the CDI
Indech explains that CDBs are good investments, but that the investor must pay attention to the yields offered. According to him, the CBDs paying between 70 and 85% of the CDI are bad choices. it is recommended to search for more than 100% of the CDI.
On the platforms of independent securities dealers, for example, you can find options to pay up to 118% of the CDI. To invest, click here and open an account at Rico
4. Fixed Income Funds with High Management Fees
Fixed income funds are a good option for those who want to access good fixed income investments with the help of the high-quality fixed income fund. 39, a manager.
Considering that the rate of Selic is 6.5% per annum, if the fund applies a rate of 3% per annum, the investor already starts the year with demand yield of only 3, 5%. In addition, with inflation of 4% per annum, the currency used will pay less than inflation. "To be profitable, the fixed income fund must have a management fee of 0.5% per year or less," he says.
5. Private pension funds with excessive fees
The investor must also pay special attention to pension funds that impose high and excessive fees, such as administration fees, billing, and other costs. entrance, exit, etc. "It's a very important information for the profitability of your financial investments, not only for 2019, but for all your life as an investor," he said.
Indech also provides data illustrating the pension fund industry in the country. He explains that two of the largest fixed income funds in the market in terms of pension plans charge 1.25% and 1.5% for pbadive management, which means that managers are not looking for more profitable badets nor opportunities that they can add. to the profitability of the portfolio.
In addition, these two funds together hold equity of R $ 92 billion and offer a return of 90% of CDI. In other words, the Brazilian lacks many opportunities to leave money stuck in unproductive funds that are neither active nor flexible in the face of economic change.
Questions about fixed income? We can answer it live. Send your question to our email address: [email protected]
Learn more about these investments: Learn more about the "Learn to Invest in Fixed Income" course
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