Investments:
Treasury - Selic:
These are public securities traded through the Treasury Direct, whose remuneration is linked to the variation of the Selic rate during the investment period. By investing in any public role, the investor becomes a creditor to the government. For this reason, credit risk is considered almost zero.
The Selic Treasury is even more secure than bonds issued by banks and even savings. Another advantage is that, if there is a need to sell the papers before the term, there is also no risk of loss as the Selic rate has shown a positive variation.
LCI e LCA:
The Letters of Credit for Real Estate (LCI) and Letters of Credit for Agribusiness (LCA) are papers issued by banks to finance investments in these sectors.
In most cases, it is necessary to invest a larger volume of resources and wait a longer time for maturity. The credit risk, however, is low, and both are exempt from taxation.
CDB:
The Bank Deposit Certificate is the security issued by banks to build their capital. Thus, the investor becomes a creditor of the bank. Generally, the yield is post-fixed and pegged to the DI rate. As this investment benefits from high interest rates, in the current scenario, it can pay up to 100% of the DI rate.
Investiments Fundings:
This alternative, while good, requires a lot of knowledge. This is because not all funds are advised at this time. The best investments are simple funds, with profitability indexed to the DI rate.
In order to have good results, it is important that funds invest at least 95% of their assets in private Treasury Direct or fixed-income securities - such as CDBs of large banks, whose risks are the same as those of public securities - as long as they do not exceed 50% fund's assets.
