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Investing money safely and profitably is a common concern for many Brazilians. With the advance of technology, several options have emerged for applications that promise interesting returns. 

Apps where money pays off

Choosing where to invest your money involves evaluating various factors, such as security, profitability and liquidity. Find out about safe applications that will make your money go further.

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Treasury Direct

Tesouro Direto is a Brazilian government platform that allows you to invest in government bonds. It is considered one of the safest investments in the country, as the bonds are guaranteed by the federal government. The yield varies according to the type of bond chosen, and can be fixed-rate, post-fixed or hybrid.

To invest in Tesouro Direto, you need to open an account with an authorized broker, as they act as intermediaries between the investor and the National Treasury. Income is exempt from income tax for individuals.

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CDB (Bank Deposit Certificate)

CDBs are securities issued by banks to raise funds. They are considered safe because they are guaranteed by the Credit Guarantee Fund (FGC), which insures up to R$ 250,000 per CPF and per financial institution in the event of the issuing bank going bankrupt.

The return can vary depending on the term and the issuing institution. Usually, CDBs from smaller banks offer more attractive rates, but it is important to assess the strength of the institution before investing.

LCI and LCA (Real Estate and Agribusiness Credit Bills)

LCIs and LCAs are credit securities issued by financial institutions to finance the real estate and agricultural sectors, respectively. Like CDBs, they are guaranteed by the FGC and are exempt from income tax for individuals.

The yield on LCIs and LCAs is usually close to that of CDBs, varying according to the term and the issuing institution. They are interesting options for those looking for low-risk investments with higher returns than savings accounts.

Investment Funds

Investment funds pool resources from different investors and are managed by specialized professionals. They can be classified into different categories, such as fixed income, multimarket and equities. Profitability and risk vary according to the composition of the fund's portfolio.

It is important to analyze the management fee and the fund's history of profitability before investing. Fixed-income funds are usually safer, while multimarket and stock funds can offer higher returns, but with greater volatility.

Investment Robots

Investment robots are platforms that use algorithms to automate the allocation of funds according to the investor's profile. They operate in various asset classes, such as fixed and variable income, seeking to optimize profitability in an automated way.

There are robot options that invest only in fixed-income products, such as government bonds and CDBs, offering a safe alternative for those who want to diversify their investments in a practical and efficient way.

Savings

Despite being one of the most popular options among Brazilians, savings offer a low return compared to other fixed-income investments available on the market. In periods of high inflation, it can even have a negative return.

For those looking for security and immediate liquidity, savings can be a viable alternative, as they are guaranteed by the Credit Guarantee Fund (FGC) for investments of up to R$ 250,000 per CPF per financial institution.

Analyze the best option

Treasury Direct is suitable for those who prefer investments with a government guarantee and a good return. CDBs, LCIs and LCAs are interesting options for those who want to diversify their investments safely.

Investment funds and investment robots are alternatives for those looking for greater convenience in managing their resources, with options ranging from fixed income to multimarket and shares.

Savings accounts are still an alternative for those looking for immediate liquidity, but with lower yield potential. Regardless of the choice, it is essential to carry out a careful analysis and, if necessary, seek advice from a financial expert to make the best decision according to your investor profile and financial objectives.

See also: What does the financial sector have to do with the climate tragedy in Rio Grande do Sul?

June 26th, 2024