You have R$ 15 thousand to invest and redeem in the short term, but you want to invest your money safely. What is the best investment for this? No Chat with Specialist, live program from UOLeconomist César Esperandio says that there are fixed income securities that have FGC (Credit Guarantee Fund) protection and “another type of investment that, even without this protection, is even safer”.
Read his explanation and watch the program excerpt below. Chat with Specialist is a question-answer about investments exclusively for subscribers and is broadcast fortnightly, on Thursdays, from 15:00 to 16:00.
Direct Treasury is the safest in the country
Esperandio says that Treasury Direct bonds are considered the safest in the country, despite not having the protection of the FGC.
“They are even safer than equivalent investments that have this guarantee, such as LCI [Letra de Crédito Imobiliário]LCA [Letra de Crédito ao Agronegócio]CDB [Certificado de Depósito Bancário] and RDB [Recibos de Depósito Bancário]private fixed income bonds”, says he, who is also from the Econoweek channel.
Choosing investment depends on your purpose
The economist points out that, despite the recommendations, the best investment varies for each person.
“It depends a lot on your profile, your moment in life. If you are 20 years old, you will probably invest that R$ 15 thousand in something different than someone who is 50 years old. Depending on your purpose, the investment strategy changes”, declares.
Assuming you’re new to the investing world, Esperandio says the first step is to build your emergency fund.
“In this case, the best investment for you is the Selic Treasury, because it serves perfectly for the emergency reserve, as it has daily liquidity and remote chances of having a loss, if the redemption is made before the maturity date of the bond”, he said. .
On the Tesouro Direto platform, there are two Selic Treasury bonds available for investment:
Treasure Selic 2025: pays Selic plus a 0.1% bonus; minimum investment of R$ 115.2027 Selic Treasure: pays Selic plus 0.2% bonus; minimum investment of R$ 114.
The basic interest rate (Selic) is currently at 11.75% per year, but with an upward trend at the next Copom (Monetary Policy Committee) meeting. “This is the Selic target, but in practice the effective Selic ends up being 0.1 percentage point below that, that is, at 11.65% per year”, says the expert.
According to him, although the Selic varies, the bond will always have a positive return, even after deducting the Income Tax and the B3 rate.
Other options for the emergency reserve are CDBs, as long as they have daily liquidity and profitability of 102% or 103% of the CDI. “And also remunerated digital accounts, such as PagBank and Nubank, as long as the investments made by them are protected by the FGC or are from the Direct Treasury”, he said.
It is worth mentioning that the investment conditions mentioned here refer to the 7th of April. Fees may vary from day to day.
Chat with Specialist is fortnightly
The program Chat with Specialist is broadcast on Thursdays, fortnightly, from 3 pm to 4 pm, on the home page of UOL, at UOL Economia and UOL Investimentos, and is exclusive to subscribers. Review past programs here.
You can send questions to Papo by e-mail uoleconomiafi[email protected] —they can be answered in the program.
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