You don’t like to lose money at all? Or stop winning? If yes, then check below how much R$ 10 thousand yield in the seven safest types of investment in the Brazilian market.
If you have this amount to invest, it is possible that you will be able to increase your income by R$ 600 per year after reading this text. The survey is a response to several questions I have been receiving on my Instagram account regarding low-risk investments.
The calculations were based on the current yield of the investments and already deducts the Income Tax (IR) and other fees.
In 7th place: Savings (R$ 617)
Savings income is currently at 6.17% per annum and there is no prospect of increasing. Applying R$10,000 today, the tendency is that you will have R$10,617 exactly one year from now.
The two great advantages of savings are practicality and security. However, you will see here other very low risk investments that have a higher yield and that, nowadays, can be easily accessed by cell phone.
In 6th place: DI Funds (BRL 861)
DI-type investment funds have much lower management fees today than they did five years ago, due to the strong increase in competition brought by brokers and online banks.
If you find a DI fund with a management fee below 1% per year, your annual income for an investment of R$ 10 thousand will be from R$ 861. That is, at least R$ 244 more than in savings.
This is if the basic interest rate, the Selic, remains at the current level of 11.75% per year. If it goes up (and this is quite possible), your income tends to get even higher, which will not happen with savings.
In 5th place: Selic Treasury (R$ 949)
In the Treasury Selic, the most conservative Treasury Direct bond, the yield from an investment of R$10,000 would be R$949 at the end of a year.
Here, what I mentioned about DI funds is also valid: if the Selic rate increases, your income will follow.
It is also worth noting that both the Selic Treasury and DI funds have regressive Income Tax. Here I calculated the IR referring to a one-year investment, which is 17.5%. But if you stay two years or more with the money applied, the IR drops to 15%. Therefore, your income per year will be a little higher than mentioned here.
In 4th place: Prefixed Treasury 2025 (R$ 1,019)
So far, we were talking about types of investments that you can redeem at any time, with no chance of making a loss. From now on, we will enter applications with a term of at least one year.
In the case of the 2025 Fixed Rate Treasury, specifically, the maturity is in 2025. That is, if you redeem the money before then, you may have a loss. That said, know that by investing BRL 10,000 in this security you will have an average gain of BRL 1,019 per year until the maturity date. As always, this value already excludes the IR and other fees.
Another important information: in the case of the Fixed Rate Treasury, if the Selic rate rises, the amount you have already invested will not rise with it. The rate remains the same until maturity.
3rd place: Post-fixed LCI (R$ 1,142)
Investment in a post-fixed LCI tends to generate a gain of R$1,142 after 12 months.
I refer specifically to an LCI issued by Banco Bari, with a term of 12 months, at a rate of 98% of the CDI. But it is possible to achieve profitability close to this in brokerages such as Ágora, BTG, Inter, Rico and others.
One advantage over the Fixed-rate Treasury (and any other fixed-rate investment) is that, if the basic interest rate rises, its profitability will follow, and there is a good chance that this will happen this year.
In 2nd place: Post-fixed CDB 12 months (R$ 1,147)
Investing R$ 10 thousand in a post-fixed CDB (Bank Deposit Certificate) with a term of 12 months, the tendency is to reach a net gain of R$ 1,147 at the end of the period.
This is the most profitable post-fixed CDB gain I have found. This is a security available at the brokerage Órama, issued by BRK Financeira. You can also find floating CDBs with a rate close to this one at other banks and brokerages.
There is also another category of CDBs, which are the prefixed ones, which have a slightly higher profitability. For an investment of BRL 10 thousand, the net gain would be BRL 1,167, that is, BRL 20 more than the floating rate.
But why didn’t I highlight the CDB pre, which yields more? Simply because if the Selic rate rises, it will not follow. The post-fixed one may have an increase in profitability by more than R$ 100, surpassing the pre-fixed one.
1st place: Fixed-rate LCA (R$ 1,227)
Among the low-risk applications that I researched, the one that currently brings the highest profitability is the fixed-rate LCA issued by ABC Brasil bank and traded by ABC Personal brokerage.
For an investment of BRL 10,000, the gain would be BRL 1,227 after one year.
But why not a floating LCA, which follows the rise in the Selic rate? Because the most profitable option I found in this line would yield only BRL 1,108. Thus, even with an increase in the basic interest rate, it would not be enough to overcome the fixed-rate LCA.
Anyway, you can ask your bank or broker if they have any LCA options (or any other investment mentioned here) with higher profitability.
Abstract: how much do R$ 10 thousand earn in a year in secure applications?
Savings: R$ 617Fundo DI: R$ 861Selic Treasure: R$ 949Prefixed Treasure 2025: R$ 1.019Post-fixed LCI: R$ 1.142Post-fixed CDB: R$ 1.147Default LCA: R$ 1.227
From my point of view, savings today do not have any advantage that justifies a profitability so inferior to other investments.
Remember that savings, DI fund and Selic Treasury allow the redemption of the amount at any time with no chance of loss. The other items on the list are only for those who can wait until the expiration date.
Do you have any questions about this text or about investments in general? Send it to my Instagram account. Your question may soon become the subject of this column.