Fixed income is an investment modality that offers greater security and predictability of return, as it has a predetermined interest rate. It is an interesting option for those looking for stability and not willing to take big risks.
Within fixed income, there are several types of investments. Let's meet some of them:
Direct Treasury
Treasury Direct is a federal government program that allows the purchase of government bonds. There are different types of bonds, such as Treasury Selic, Treasury IPCA+ and Prefixed Treasury. Each has specific characteristics, such as maturity and form of remuneration.
CDB (Bank Deposit Certificate)
The CDB is a bond issued by banks to raise funds. The investor lends money to the bank and receives interest in return. It is a very popular option, as it has low risk and is guaranteed by the Credit Guarantee Fund (FGC) up to a limit of R$250,000 per CPF and financial institution.
LCA (Agribusiness Letter of Credit) and LCI (Real Estate Letter of Credit)
The LCA and LCI are securities issued by financial institutions with the objective of financing the agricultural and real estate sectors, respectively. Like the CDB, they are guaranteed by the FGC up to a limit of R$250,000 per CPF and per financial institution.
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Debentures
Debentures are debt securities issued by companies to raise funds. When investing in debentures, the investor lends money to the company and receives interest in return. It is important to note that debentures carry a higher credit risk compared to bonds issued by the government or banks.
Fixed Income Funds
Fixed income funds are a way to invest in several fixed income securities at once, without the need to buy each security individually. These funds are managed by professional managers, who choose the best assets to compose the fund's portfolio.
These are just a few examples of fixed income investments. Each has its own characteristics and it is important to assess which one best suits your investor profile. It is always recommended to seek information and guidance from qualified professionals before making any investment decision.
