You can 'lock in' a return above inflation with this fixed income security recommended by the EQI Research team (Image: iStock/cokada)
There are certain movements that are common in the financial market – and one of them is the “race” after fixed income securities when the interest rates start to rise. After all, this is when this category of products becomes more attractive, with the potential to generate even better returns than variable income assets, such as actions e FII.
Last week, the Copom (Central Bank Monetary Policy Committee) decided to increase the basic interest rate to 10.75% per year. The Selic increase was 0.25 percentage points. And, apparently, this bullish cycle is not likely to stop anytime soon.
This is because the latest Focus bulletin, which estimates the future of economic indicators in accordance with market expectations, raised projections for inflation it's yes Selic for 2024.
According to the bulletin, the IPCA this year's projection goes from 4.35% to 4.37%. The one for 2025 also rose, from 3.95% to 3.97%. Selic, according to the market, should end 2024 at 11.50% per year, and remain at 10.50% in 2025.
In this scenario, a good opportunity to “lock” profitability above inflation has just been indicated by EQI Research analysts.
It is a fixed income security with a return of IPCA +10% per year and Income Tax exemption.
Just look: considering the current IPCA projection for 2024, of 4.37%, added to the 10% rate of return, this security, if it had been purchased in January, could yield around 14.37% in 12 months.
It is important to keep in mind that this potential profitability changes depending on the current inflation rate. Considering the Focus bulletin's projections for the IPCA in 2025 and 2026, for example, this same title could yield up to 13.97% and 13.62% per year, respectively.
But all this without worrying about the “Lion’s bite” and with a low initial investment: around R$ 1 milyou can now add this title to your portfolio.
Above Selic: learn about the fixed income title
This title found by the EQI research team is part of a product category that can be classified as “premium” fixed income.
This term refers to a class of products with above-average return potential traditional fixed income, such as CDBs, Treasury Direct bonds and savings accounts themselves.
Previously, titles like this were made available by large banks only to the most “moneyed” investors.
But now, any Brazilian may know where to find them and how to add them to your portfolio, as some institutions have been seeking to increasingly disseminate knowledge about “premium” fixed income.
This is the case of EQI Researchfor example. EQI's team of analysts found a unique opportunity in the market, with four main advantages:
- “Strong” income, but without leaving the fixed income;
- Can yield 14.37% per year netabove the current interest rate;
- Protection against inflationsince the return is indexed to the IPCA and plus a fee;
- And income tax exemption.
Furthermore, you don't need a lot of money to be able to invest in it. The initial contribution is around R$1,000which makes it even easier for ordinary investors to access “premium” fixed income.
See how to invest before availability runs out
In exchange for “heavy” returns, these “premium” fixed income securities have a level of risk slightly larger than the most common ones, such as CDBs and Tesouro Direto.
Furthermore, they are securities that require you to keep the money invested for a longer term. Therefore, we are not talking about titles recommended to form your emergency reservefor example.
However, they are a great opportunity to be able to make money without leaving the safest asset class in the country – fixed income –, with a net return that can reach 14.37% per year.
Product availability can run out at any time. To demonstrate your interest in investing, just click the button below and the EQI Research team of experts will send you complete information: