Best investments for beginners - see where to invest and how to get started
O fixed income investment is one of the most popular investment strategies available today. But what does that really mean?
Basically, a fixed-income investment is a type of investment where the expected returns are practically guaranteed or at least predictable.
In other words, the investor knows from the outset how much he will receive in return and on what date.
Fixed-income investments are generally issued by financial institutions, governments or companies that need to raise money.
In exchange for the money you invest, the issuer undertakes to return that money with interest. This can be done in two ways:
The general rule you should remember is that security comes at a price: the return.
In the investments of fixed incomeThe security is high, but the return can be lower compared to other types of riskier investments.
No, they are not the same thing. Although both are considered safe, the difference lies in profitability and redemption.
Savings accounts have a lower return and can be redeemed at any time. Fixed income, on the other hand, often has a higher yield and can only be redeemed at maturity.
Understanding the concept of fixed income is an important part of planning your financial investments.
A fixed income is a type of investment with a predictable return and is ideal for investors with a more conservative profile.
Fixed-income investment strategies can vary according to each investor, but here are some of the most commonly used:
Tesouro Direto is a platform for buying and selling government bonds created by the National Treasury in partnership with BM&F Bovespa.
It offers various fixed-income investment options, which vary according to the term and type of return. It is a safe investment, as it is guaranteed by the Federal Government.
Bank Deposit Certificates (CDB) are securities issued by banks to raise funds for their activities.
They usually have yields linked to the CDI and are protected by the Credit Guarantee Fund (Credit Guarantee Fund).
Bills of Credit (LCs) are securities issued by financial companies.
They have similar characteristics to CDBs, but generally offer higher yields, especially LCIs and LCAs, which are exempt from income tax for individuals.
Debentures are debt securities issued by companies, which act as a loan from the investor to the company.
In return, the company pays interest to the investor. These rates are usually higher than those offered by more conservative investments, but they carry a greater risk.
To start investing in fixed income, you can use investment platforms such as Easynvest, XP Investments e Rico.
It is important to always evaluate the risks, costs and profitability offered.
Fixed income is one of the safest and most popular investments among Brazilians.
However, like any form of investment, it has both benefits and risks. Let's explore these aspects in detail.
In conclusion, Fixed Income can be an excellent investment choice for many people due to its security and predictability.
However, it is important to be aware of the risks associated with this type of beneficial investment.
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