How much does a fixed income yield per month? Find out everything!
Have you ever stopped to wonder how much fixed income yields and whether this type of investment is the best option for you?
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For a long time, Brazilians preferred fixed income. The interest rates guaranteed a good financial return. In addition, it was always an easier and more accessible form of investment.
Even with the drop in the Selic rate in recent years, many people continued to invest in fixed income, even in traditional savings.
But does this make sense? How does this investment work?
If you want to invest your money but don't know where to start, read this guide! We'll explain everything about the subject.
What is fixed income?
To better understand the subject, you first need to know what fixed income is.
Basically, it is a type of investment in which people know or can predict the profitability, even before the operation.
This is what makes it different from variable income, such as the Stock Exchange, where profitability is not guaranteed and there are greater risks involved in investing your capital.
Selic at 6.25% per year: how much does fixed income yield?
Copom (Monetary Policy Committee), in September 2021, increased the basic rate, that is, the Selic, from 5.25% to 6.25% per year to control inflation.
The increase in this percentage was already expected by the financial market.
This increase makes fixed income investments more attractive, as most of them follow the Selic rate.
After six years of decline, the Selic Rate began to increase in March 2021.
When it comes to investments, the Selic rate is very important. During the period when it was at 2% per year, many investors migrated to variable income.
Fixed income continued to be widely used by more conservative or moderate investors, or by those who wanted to build an emergency reserve.
But in the current scenario, with rising inflation and high interest rates, fixed income has once again caught the attention of even investors who preferred variable income.
The main fixed income investments: how much does each one yield?
There are several types of fixed income investments. Therefore, there is no specific return that is applied in all cases.
Each of these investments has different returns, terms and characteristics.
And if you want to know how fixed income yields in each of them, continue reading:
1. Treasury Selic
The profitability of Tesouro Direto can be fixed or post-fixed.
If post-fixed, the profitability rate is established based on an economic index, such as those linked to the Selic and IPCA.
However, if it is prefixed, the financial return is already known at the time of purchase and remains until the end date of the term.
In other words, profitability varies according to inflation, the Selic rate and the time dedicated to the investment.
On the website itself Treasury Direct, you can do an investment simulation according to the characteristics of your application (how much you intend to invest, title, rate of return, etc.).
2. CBD
The CDB (Bank Deposit Certificate) is one of the most common investments, as most banks offer this financial product to their customers.
It is a “loan” that you provide to banks, so that these companies can raise funds and carry out their operations.
In return, you will receive the money back with interest, at the end of the application's maturity date.
The profitability of the CDB varies, as it can be prefixed, post-fixed or linked to inflation.
In the Toro Investimentos CDB simulator, you can find out how much the CDB will yield over a given period.
In the results, you will find investments of more than 10% per year. However, not all of them yield this much. Before choosing, see which one best suits your financial goals.
3. LCI and LCA
The LCI (Real Estate Credit Letter) and the LCA (Agribusiness Credit Letter) are investments free of fees and taxes.
And this is one of the reasons why they are increasingly sought after by investors.
You may be paid a pre- or post-fixed rate.
Fixed-rate securities are those in which the investor already knows how much he will receive until the maturity date. For example, a rate of 5% per year.
However, in post-fixed securities, the yield is linked to an index, such as the IPCA or the CDI.
In the Toro Investimentos LCI and LCA simulator, you can simulate based on how much you intend to invest and for how long.
4. DI Funds
DI Funds, or DI-Referenced Fixed Income Funds, are funds in which at least 95% of the equity must be invested in public securities that are linked to the Selic rate.
They are considered one of the simplest types of investment.
Although they are linked to the Selic rate, their profitability will be slightly lower than the basic interest rate.
The reason? Well, it's because the funds have management fees that will have a slight impact on your returns.
In the XP Investimentos simulator, You can simulate DI funds in both traditional banks and DI funds available at XP.
Investing in fixed income through a bank or stockbroker?
Both types of companies offer the possibility of investing in fixed income.
However, banks do not offer as many financial products as brokers. Furthermore, they tend to offer less attractive returns.
It is also important to remember that there are banking institutions that charge management fees on investments.
Therefore, if you want to have more autonomy, freedom and a wide variety of options, we recommend stockbrokers.
However, before making any decision, it is worth doing a simulation in banks, because when it comes to investments, it is necessary to analyze all the options.
Conclusion
As you saw in this article, there is no exact value for how much fixed income yields. After all, there are several types of investments and the macroeconomic situation can also influence the yields.
If you want to know more about fixed income, take the opportunity to read our main content on the subject by clicking here.
