The fixed income investments are among the modalities most sought after by Brazilians looking for security, predictability and stability in their income.

For those starting out in the world of investments, understanding this type of investment is fundamental, as it offers lower risk and can be an excellent entry point into the financial market.

In this guide, you will learn how fixed income works, its main advantages, the types available and how to use it intelligently in your business. investment portfolio.

What are Fixed Income Investments?

Fixed income is an investment category in which the the form of remuneration is defined at the time of application.

This means that when you invest, you already know exactly how the return will be calculated - whether it's a fixed interest rate, a percentage of the CDI or linked to inflation (IPCA).

In other words, by investing in fixed income, you are lending money to a financial institution, company or even the government.

In return, you will receive this amount back plus interest at a future date.

How does fixed income work?

The logic is simple:

1. You invest an amount in a financial institution or in the National Treasury.

2. The issuer uses this money to finance its operations.

3. At the defined time, you receive the capital invested plus the agreed interest.

This mechanism guarantees lower volatility and predictable returns, It is very suitable for profiles conservatives or beginners.

Advantages of Fixed Income

Investing in fixed income has many benefits:

1. Predictability

When you invest, you already know what the return will be at the end of the period, which helps with financial planning.

2. Security

Most fixed-income investments are protected by the Credit Guarantee Fund (FGC), which covers amounts up to R$ 250 thousand per CPF and institution in the event of the bankruptcy of the issuing bank.

3. Diversity

There are several options within fixed income, such as CDB, LCI, LCA and Treasury Direct, allowing the creation of a diversified portfolio tailored to different objectives.

4. Liquidity

Many bonds offer daily liquidity, which means you can redeem the money before it matures without losing out on the returns.

Disadvantages of Fixed Income

Despite the advantages, it is important to highlight a few points:

• Lower return compared to variable income (such as shares).

• You can losing out to inflation in some scenarios.

• Some titles require minimum grace period for redemption.

Fixed income should therefore be used as part of a diversification strategy.

Where to Invest in Fixed Income?

Today, you can invest in fixed income directly through the bank app or by investment platforms how:

• XP Investments

• Rico

• Easynvest (Nubank Investimentos)

• Inter Bank

Each broker or bank offers different options and rates, so it's worth comparing before you invest.

The Importance of Fixed Income in the Investment Portfolio

For those starting out, fixed income plays a fundamental role: bringing stability and security for the wallet.

Even the most experienced investors keep a portion of their portfolio in fixed income, because it:

• Reduces risks in times of economic instability.

• Guarantees liquidity for emergencies.

• It serves as a basis for balancing riskier investments.

Main Types of Fixed Income Investments

Fixed income is very diversified. Here are some of the best known:

1. CDB (Bank Deposit Certificate)

Bond issued by banks to raise funds.

• Advantagecan yield more than savings.

• Warranty: protected by the FGC.

2. Treasury Direct

A federal government program that offers affordable government bonds.

• Advantage: low risk, initial investment from R$ 30.

• TypesTesouro Selic, Tesouro Prefixado and Tesouro IPCA+.

3. LCI and LCA

• LCI (Real Estate Credit Bill) → finances the real estate sector.

• LCA (Agribusiness Credit Bill) → finances the agricultural sector.

• Advantage: exemption from Income tax for individuals.

• Warrantyprotected by the FGC.

4. Debentures

Bonds issued by companies to raise funds.

• Advantagecan offer higher yields.

• RiskThey do not have the protection of the FGC.

How to Diversify with Fixed Income

The key to a good strategy is balance:

• Combine titles from short, medium and long term.

• Mix options public and private.

• Use fixed income to create a emergency reserve with daily liquidity.

Rebalancing the Portfolio

Over time, some investments can lose their attractiveness. That's why it's important to rebalance the portfolio periodically, by selling assets that no longer make sense and buying new ones in line with your objectives.

Tools and Applications to Track Your Investments

Some apps can make your life as a fixed-income investor easier:

• Treasury Direct (official government app).

• Pocket guide (financial organization).

• Inter Bank (free investment platform).

Conclusion

The fixed income investments are ideal for those looking for security, stability and predictability.

Although they offer lower returns than equities, they are fundamental to any balanced portfolio.

If you're just starting out, fixed income can be your starting point. If you're already experienced, it's still important for diversifying and protecting your assets.

👉 Remember: before you invest, define your objectives, analyze timeframes and compare options. This will ensure that you have a solid and secure strategy for your financial future.