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I have already indicated in this column what to expect regarding the scenario and the main indications of investments in the financial market for 2019. I have also carried out a balance sheet of the I & # 39; year, bringing historical performance. We must also talk about the worst financial applications for the coming year so that the investor has a complete picture and can make the right decisions. Well, when evaluating all those included in the fixed income segment, I choose five:
1. CBD whose remuneration is less than 80% of the CDI
The traditional CBDs are remunerated largely by the variation of the CDI, the interbank rate whose history has always been close to the Selic rate. It is currently 6.4% per annum and the basic interest rate of 6.5% per annum. In this way, traditional banks offer small investors a yield between 70% and 80% of the CDI, an annual return of 4.5% and 5.1%, a level close to savings, but with Need to: Always deduct the income tax from the application. To get an idea today, a good one year application, with a 115% return on the CDI index, would yield 7.5% – and that 's what the small investor should search. The most profitable CBDs are issued by small and medium-sized banks and distributed via digital investment platforms.
2. Private pension funds that impose high administrative costs and a high rate of charge
At a time when there is much talk of pension reform, more and more Brazilians are seeking funds private pensions. Not just for 2019, but for all your life as an investor, you have to look for good investments with high rates of return, badociated with low risk and low costs. In this segment, there are funds that charge in addition to annual administration fees, loading rates, entry and exit. These end up adding to applications and, consequently, impacting profitability. One of the points to observe is the annual administration rate: in general, the smaller is the better. However, a recommendation would be between 1% and 1.5% per annum in active funds, that is, those in which the manager seeks market opportunities to better monetize the fund's shares. Also note that there are none of the other three mentioned above. This will undoubtedly make a huge difference in your retirement actions.
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3. Fixed income investment fund with high administrative costs
As mentioned above, I emphasize the same case here. Look for fixed income funds at rates close to or below 0.5% per annum. If a "bakery account" is created, with the current rate of Selic at 6.5% per annum and an administration rate of 3%, for example, a fund that pays 100% of the starting CDI should not monetize that its unitholders. 3.5% per year – below inflation including. Therefore, it is extremely important to carefully observe the annual management fees charged by the fixed income investment fund that will execute the application.
4. Savings
"My friends" of those who are not aware of the many opportunities offered by the investment products available in Brazil, the savings are expected to close in 2018 with a return of 4.6%. For 2019, keeping Selic at 6.5% (at least in the first half), the monthly return should remain at 0.37%, the profitability of this application being 70% of the base rate. Interest rate of the economy – while an investment indexed to 100% of the CDI will be able to monetize about 0.5% per month.
According to Central Bank data, net financing of R $ 685 million was available in November, which means that thousands of reais will no longer earn better in other financial applications. Today, 150 million more Brazilians are saving about 740 billion rubles, and more than 15,000 people have badets over 1 million rand. Unfortunately, these data show that there is still a lot of ignorance on the part of the small investor in Brazil.
5. FGTS
Finally, I put the outlook to the worst for 2019. Many people consider that the FGTS resource is not a financial app because it's not possible to move it to the day the day. However, it is important to know that the 3% yield added to the benchmark rate, the yield of this "application", over the past 20 years, has been lower than inflation in 19 years. In fact, the reference rate (TR), implemented in the Collor government in the 1990s, was last corrected in August 2017, that is, the return was nil at during the last months. In the campaign for presidential elections, Geraldo Alckmin, PSDB candidate, mentioned a proposal to make the use of this resource more flexible. However, since the elections, the subject has not returned to the agenda. For these reasons, I suggest that those who have the opportunity to recover the resource for their own use do so.
So, in my opinion, it should be one of the five worst fixed income investments in 2019. You have to ask yourself about variable income – like the dollar, the stock market, the commodities , among others. As this is a variable income, it would not be correct to include them in this badysis, as the profitability of these badets can go up as well as down. Consider all the points mentioned in the text in order to avoid making a year damaging for your money in 2019.
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