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A fixed income is a form of investment characterized by predictability of payment, which offers security and stability for the investor.
It has a fixed or variable profitabilityThe terms are defined when the funds are invested.
First of all, in fixed income, the investor takes out a loan from a financial institution or the government.
In return, he receives interest on the investment. These are examples of fixed-income investments: Treasury Direct, CDB, LC, among others.
However, to better understand fixed income, it is important to highlight its main advantages and disadvantages:
Investing is a solid option for those seeking security and predictability.
Unlike Equities, where returns can be uncertain.
It therefore offers a pre-established return at the time of investment, providing a layer of reliability that is highly attractive to many investors.
Nowadays, there are several types of fixed income investment. Each has its own characteristics and benefitsThe choice of the right investment depends on the investor's personal profile.
Investments can be divided into pre-fixed and post-fixed.
While pre-fixed rates determine a specific return value at the time of investment, post-fixed rates are linked to some economic indicator, such as the Selic or the CDI.
To make your investment, you need to have an account with a stock broker. Through the broker's platform, you will have access to the different securities available for investment.
It's important to study and understand the characteristics of each one in order to make the choice that best suits your profile and financial objectives.
Always remember to diversify your investment portfolio and keep part of it in Fixed Income, even if your profile is more aggressive.
Fixed income is an important pillar for building solid, long-lasting assets.
Investing in it can be a diversification and security alternative for your portfolio. However, it is important to understand the tax implications that come with these financial applications.
The IOF is a federal tax levied on all financial transactions, including the purchase and sale of fixed-income securities.
However, it is only applied if the investment is redeemed within 30 days of being invested.
Income tax is levied on the income from the investment and follows a regressive table. The longer the money is invested, the lower the income tax rate.
Tax rates are levied only on the income from the investment and not on the principal amount invested.
So this means that if you invested R$1000 and earned an income of R$100, tax will only be computed on this R$100.
Enderstanding the tax implications is essential for any investor.
When planning your investments, it is important to take into account all the possible tax consequences so that you can maximize your income.
If you do your research and understand every detail, you'll be able to organize yourself better and achieve your financial goals.
For more information and calculation tools, we recommend using the Central Bank of Brazil.
For more information on how to invest in fixed income, you can visit the Treasury Direct
Links to the main brokers are below:
