The increase in the Selic rate presents new investment opportunities. The Monetary Policy Committee (Copom) increased the base rate this Wednesday, is 3, and Selic went from 13,25% to 13,75% per year. This is the 12th consecutive interest rate increase made by the economy.
Despite the increase in credit interest, with this new change, the return on fixed income will be higher, favoring varied investments. This increase in more than 0,5 percentage point contributes to investments that follow the Selic, like CBDs (Bank Deposit Certificate), private and Treasury Direct bonds.
Where to invest?
Experts and earnings simulators point out that various investments can exceed 7% net profitability over a period of 12 months invested. In this way, the options with the highest projected return currently would be the incentivized debentures, as LCI (Real Estate Credit Letters) e as LCA (Agribusiness Letters of Credit).
Find out which are the most popular investment options to invest in right now:
- CBDs
- Treasury Direct
- LC/RDB
- LCI/LCA
- Free actions
- Equity funds
- Debentures
- Real estate funds (FII)
- hedge funds
- Index Funds (ETFs)
This is the time to take advantage of this increase in interest rates. In the end, the expectation is that the rate will remain at 13,75% at the end of the year and, until the end of 2023, get closer to 11%.
Increases the disadvantage for savings
With the constant increases, Fixed income investments offer much more profitable options than the traditional and well-known savings account. In the end, with the increase in Selic to 13,75% and others double-digit annual inflation, savings will continue with the return locked in 6,17% per year + TR (Reference Rate).
Like this, savings income continues to 0,62% per month, i.e., 7,77% per year. If we are to use a standard example, R$ 1.000,00 applied by 12 months would give a return of R$ 77,00. At the end of last year, the Selic rate exceeded the level of 8,50%. This returned the profitability of savings to the old rule, failing to pay 70% the basic interest rate and now have a fixed income of 6,17% per year + TR.
This person was already paid for the call “old savings” (i.e., those deposits that were made until 2012).
