Fixed Income on the Rise - 7 investments to profit from high interest rates

A Fixed Income is one of the most popular investments in the Brazilian financial market, especially among beginners.

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That's because it combines security, predictability and good income opportunities, It has become a gateway for those who want to start investing intelligently.

In this complete guide, you'll understand:

  • The concept of fixed income

  • How profitability works

  • Main types of investments available

  • Advantages and risks

  • Strategies to maximize profits

At the end, you will have clear map to take your first steps into the world of investment with confidence.

📌 What is Fixed Income?

Simply put, fixed income is a type of investment in which you know in advance how your financial return will be calculated.

This means that it is possible to predict, roughly, how much you will earn at the end of the application.

➡️ For this reason, this type of investment is considered a low risk, compared to variable income (shares, real estate funds, cryptocurrencies).

Those looking for security, predictability and practicality will find fixed income an important ally in building wealth in a stable way.

📊 How Does Fixed Income Profitability Work?

A profitability Fixed income can be classified into two types:

🔹 Pre-Fixed Income

  • The yield is defined at the time of application.

  • You already know exactly how much you will receive on expiry.

  • Example: invest R$ 10,000 in a bond at 10% per year - in the end, the return will be that amount, regardless of economic conditions.

🔹 Post-Fixed Income

  • The yield depends on a economic indicator, such as Selic rate or CDI.

  • Example: a CDB that pays 100% from CDI. If the CDI goes up, your yield goes up; if it goes down, your yield goes down.

➡️ This flexibility is interesting because it allows you to follow the economic scenario. In times of high interest rates, post-fixed income tends to be even more attractive.

💡 Why Invest in Fixed Income?

Fixed income has characteristics that make it an essential option in any investor's portfolio:

✅ Security

These are low-risk investments, especially in the case of Treasury Direct and the products guaranteed by FGC (Credit Guarantee Fund).

✅ Profitability

In general, they offer returns higher than savings, especially in government and bank bonds.

✅ Diversity

There are different types of investment, which make it possible to invest in both the short and long term, depending on the investor's profile.

➡️ In short, fixed income combines safety and attractive performance, It is ideal for beginners and also for those looking to diversify.

🏦 Main Types of Fixed Income Investments

1. treasury direct

  • Securities issued by Federal Government.

  • High security and accessibility (applications from R$ 30).

  • Modalities: Selic Treasury, Prefixed Treasury and IPCA+ Treasury.

2. CDB (Bank Deposit Certificate)

  • Issued by banks to raise funds.

  • Returns can be pre or post-fixed.

  • Protected by the FGC up to R$ 250,000 per CPF and institution.

3. LCI and LCA

  • Real Estate Credit Bills (LCI) e do Agronegócio (LCA).

  • Exempt from Income tax for individuals.

  • They also have the protection of the FGC.

4. Debentures

  • Bonds issued by private companies.

  • They generally offer higher yields, but with higher risk.

  • They are not covered by the FGC.

5. CRI and CRA

  • Real Estate Receivables Certificates (CRI) and Agribusiness Receivables Certificates (CRA).

  • They pay good yields, but are less liquid.

➡️ The choice of the best investment depends on investor profile, It's also important to take into account the objectives and the time available to leave the money invested.

🚀 How to Start Investing in Fixed Income

To begin with, the process is simple and quick:

  1. Open an account with a stock broker reliable.

  2. Analyze your investor profile (conservative, moderate or bold).

  3. Define your objectives (short, medium or long term).

  4. Choose the type of application that best suits you.

  5. Monitor your income regularly.

Tools that can help:

  • Yubb → compares different investments and returns.

  • GuiaBolso → facilitates personal financial control.

  • BTG, XP or Rico → offer complete fixed income platforms.

➡️ With a few clicks, you can start investing.

Maximizing Your Earnings with Fixed Income

Even though it is a low-risk investment, it is possible to adopt strategies to increase your earnings:

1. choose the best option

Compare securities available on the market. In some cases, smaller banks offer CDBs with more attractive rates than large institutions.

🔹 2. Diversify

Don't concentrate all your capital in just one type of investment. Combine Tesouro Direto, CDBs and LCIs/LCAs to balance risk and return.

3. plan for the deadline

The longer the money is invested, the higher the return tends to be. Plan according to your financial needs.

4. attention to fees

Pay attention to administration and custody fees. Some brokers offer zero tax in Treasury Direct, for example.

➡️ The key is information and patience. The more consciously you choose, the better your results will be.

⚠️ Care When Investing in Fixed Income

Despite the safety, it is important to note a few points:

  • Liquidity: some investments only allow redemption on maturity.

  • Inflation: in periods of boom, fixed-rate investments can lose purchasing power.

  • Credit risk: although reduced, there is a risk in investments not guaranteed by the government or the FGC.

➡️ Always evaluate these factors before applying.

📲 Reliable Sites and Sources to Consult

To follow rates, opportunities and news on fixed income, you can consult:

These official sources offer up-to-date and reliable information.

✅ Conclusion: Is it worth investing in fixed income?

A Fixed Income is ideal for those who want to invest with security, predictability and simplicity.

Although it doesn't offer gains as high as variable income, it is essential for a balanced portfolio.

Whether to set up a emergency reserve, plan a medium-term objective or diversify your portfolio, fixed income plays an essential role.

➡️ The secret is evaluate your profile, diversify your investments and have discipline. In this way, you guarantee more financial peace of mind and take consistent steps towards independence.

📌 Final tip: start today. The sooner you invest, the sooner you can reap the rewards.

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