How does Bradesco fixed income work? See how to invest

Discover Bradesco fixed income products!

Bradesco fixed income is a good option for those who want to invest safely and conveniently.

Therefore, if you are thinking about increasing your assets, but don't want to take risks, it is worth considering this investment option.

After all, fixed income, in addition to being safer and offering greater predictability of returns, is very accessible for beginner investors.

Want to know more about the subject? Keep reading.

What is fixed income?

Fixed income, as the name suggests, is an investment category that has a predictable return.

In other words, even before carrying out the operation, investors can know or predict the profitability.

Invest in fixed income, basically, is lending your money to a financial institution, the bank or even the government.

You will take out a fixed income security and invest your money. In return, on the agreed date, you will receive back the invested capital plus interest.

There are applications with different terms, profitability rates, minimum investment amounts, etc.

Therefore, before making any investment, it is important that you are fully aware of the characteristics of the fixed income security in which you intend to invest.

Why invest in Bradesco fixed income?

With more than 90 million customers, Bradesco is considered one of the main banks not only in Brazil, but in all of Latin America.

In fact, the company is in fourth place in a ranking of 20 institutions.

With the acquisition of HSBC in 2015, Bradesco surpassed Banco Itaú, its main competitor, in the number of high-income customers.

It is a bank that is highly sought after by those who want to open a savings account, apply for a credit card, loans, insurance, among others.

When you open your account at Bradesco, you will be able to invest not only in fixed income, but also in variable income and investment funds.

How to invest in Bradesco fixed income?

Investing in Bradesco fixed income is very simple. See the step by step:

Open your account

The first thing you should do is open an account at Bradesco.

This way, in addition to being able to invest through the bank, you can have a savings account and sign up for other services that may be interesting for your financial life.

To open an account at Bradesco, you must present a photo ID, CPF, proof of income and proof of residential address in your name.

Know your investor profile

The investor profile is an analysis that represents your characteristics, preferences and risk tolerance in the world of investments.

This is one of the main mistakes made by beginner investors: making financial investments without knowing exactly what their investor profile is.

But after all, why is this so important?

By identifying your profile, you will find it easier to find investments aligned with your goals and financial reality.

Basically, there are three investor profiles:

• Conservative: prioritizes security when investing and, therefore, tends to avoid high-risk investments.

• Moderate: is willing to take certain risks, but without giving up security. Typically, he/she tends to have a diversified portfolio, with investments in both fixed and variable income.

• Bold or aggressive: The most risk-tolerant investor. His priority is to obtain greater profitability, especially in the medium and long term. This means that he can better deal with market volatility. The bold investor prefers to invest in variable income assets, such as stocks.

Define your financial goals

Financial objectives are goals that involve the use of money in your life, that is, what you intend to achieve when making investments.

For example, let's assume that your main goal at this point is to build an emergency fund.

The objectives are also aligned with your investor profile and should be taken into account when investing. 

If you want to build your emergency fund, you should invest in a highly liquid investment, so that if you need the money, you can withdraw it quickly.

Depending on the investment, you may have difficulty withdrawing the money.

However, if you are thinking about your retirement, liquidity is not such an important factor for you and, therefore, you can prioritize other factors when investing.

What are Bradesco fixed income products?

Now that you know how to start investing in fixed income through this bank, it's time to learn about the main applications available.

Check it out!

CDB

CDB is the Bank Deposit Certificate.

It is a fixed income investment issued by banks to raise financial resources.

When you purchase a CDB security, you will lend your money to the bank and, when the maturity date arrives, you will receive the money back with interest.

It is one of the most common fixed income applications, as there are several CDB bonds with a very affordable minimum value to start investing.

LCI and LCA

LCI (Real Estate Credit Letter) and LCA (Agribusiness Credit Letter) are two types of fixed income investments that are exempt from Income Tax.

Investments in letters of credit are protected by the FGC (Credit Guarantee Fund), as are CDB securities.

The remuneration is linked to a percentage of the CDI (Interbank Deposit Certificate).

The invested amount can only be redeemed after the grace period or upon maturity of the transaction.

Treasury Direct

Tesouro Direto is a National Treasury Program developed in partnership with B3 (stock exchange) for the sale of federal public bonds.

There are three types of Treasury Direct bonds:

• Prefixed Treasury

• Treasury Selic

• Treasury IPCA+

Conclusion

Bradesco fixed income is a great option for those who want to invest safely.

If you want to start investing through Banco Bradesco, be sure to open your account and take the test to find out your investor profile and, thus, discover the best applications for your portfolio.