The Monetary Policy Committee (Copom) increased Selic to 15% last month, representing the seventh consecutive maximum and the highest level since 2006. In this scenario, fixed income investments are further attracting the attention of investors, highlighting how CDB And the LCA.
Among the options available, the question that remains is: what qualifications fixed income Did you offer the best returns in June? Subsequently, take a look at the information from a quantum financial poll on which bank securities were distinguished in June.
CDB: Prefixed titles Lead profitability
THE CDB (Banking certificate) is a fixed income title issued by the banks to raise funds.
According to the Quantum Financial Survey, for those who have chosen to do so Invest in cdb 12 months prefix, the average rate was 14.42%, with Rio Grande Do on the State Bank (Banrisul) offering maximum remuneration of 15.05%. 24 months securities had an average rate of 13.59%, with a maximum rate of 13.93% of the Brazil investment bank.
In the post-final CDB connected to the CDI, the 6-month securities recorded 98.67%on average. Banco Btg and the Brazil industrial bank have guided in this mode, with a maximum rate of 102.50%.
IPCA indexed CDBs have maintained stability, with 12 -month securities offering an average rate of 9.18%. Banco ABC presented the maximum remuneration of 9.72%.
LCA: The IR exemption compensates lower rates
THE LCA (Agri -food credit letter) is a fixed income tax for people issued by banks to finance the agricultural sector. TO Invest in LCAIt is important to consider that the rates are lower than the CDB, but the tax exemption can compensate.
According to quantum financial data, in June the LCA preferences offered the best opportunities, with an average rate of 12.82% for securities at 12 months. Banco ABC Brasil led with 13.22% of maximum remuneration.
In the post-refined LCA connected to the CDI, the securities at 36 months had an average rate of 92.18%, with the ABC bank that offers 94.50%. The 12 -month securities recorded an average of 90.68%.
For LCA indexed to inflation, the average 12 -month securities rate was 7.76%, with ABC Brasil Banco in the lead with 8.46%. The longest deadlines offered lower rates, reaching 6.41% in securities at 36 months.
What is the best fixed income investment?
In June, some fixed income investments showed a reduction in rates. According to Guilherme Almeida, a fixed Sun search garment, this movement is closely linked to the closing process of the curve of interest.
“The Central Bank has again increased the interest rate, showing that it works with autonomy and its concern for the main objective of preserving the purchasing power of the currency and also with the domestic environment. Since the dollar weakens a lot, this has been positive for reality, which ends up generating less pressure on inflation, especially in the short term, so I think this has also contributed to this closing process,” he explains. “
According to him, this movement is directly influencing the prices of the titles that are launched on the market, which consequently present a lower remuneration.
However, fixed income investments still follow as an interesting option for investors, who still benefit from Selic at high levels. It is interesting to note that this issue does not represent an indication of purchase or sale of bank securities, such as CDB O LCA.
Source: Terra
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