BB fixed income investments: what options are available?
Learn how to invest in BB fixed income
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Have you ever heard of BB fixed income?
By creating an account with Banco do Brasil, you can start investing safely and conveniently, as this institution offers its clients a wide range of investment possibilities!
If you want to learn more about these applications, read on. We'll explain how it all works and introduce you to the options available.
Why invest in BB fixed income?
Banco do Brasil is one of the country's leading banks.
In fact, it is the oldest of them all - it was founded on October 12, 1808.
Banco do Brasil currently has more than 54 million customers in the country.
When you open an account with this bank, you can have a savings account, apply for a credit card, take out loans and have access to various other services.
You can also invest in both fixed and variable income.
Among the main reasons for investing in fixed income through Banco do Brasil, we can mention:
- Diversity of applications
- Security when investing
- Affordable financial products
- Team of experts providing reports and analysis with market information
What are BB's fixed income products?
Now that you know the reasons for investing in fixed income through Banco do Brasil, it's time to learn about the main investments in this category.
Check it out:
CDB
The Bank Certificate of Deposit is one of the most common fixed-income investments.
The investment logic is similar to that of the Treasury Direct. The difference is that when you buy a CDB security, you are "lending" your money to banks to finance credit activities.
Institutions raise funds with the CDB, offering a return in return. This means that at the end of the investment you will receive the money plus interest.
CDBs have different rates of return, which vary according to the institution, the term and the liquidity rules.
The titles available are:
- Fixed-rate securities: is the most common type of CDB. The rate of return is linked to an economic indicator, such as the CDI, for example.
- Fixed-rate securities: when you sign up, you'll know exactly how much your money will earn by the due date.
- Hybrid titlesThe hybrid CDB has a rate of return made up of a fixed part and a variable part.
CDB securities are protected by the Credit Guarantee Fund (FGC).
LCI and LCA
LCI and LCA stand for Letra de Crédito Imobiliário and Letra de Crédito do Agronegócio, respectively.
Like CDBs, letters of credit are also guaranteed by the FGC. However, they are exempt from Income Tax (IR), which is an advantage for investors.
LCIs and LCAs are issued by financial institutions to raise funds and finance the real estate sector and agribusiness.
The disadvantages of letters of credit include the minimum investment amount.
It's just that they usually require slightly larger initial contributions than other fixed-income investments, such as CDBs and direct treasuries.
It is also important to mention that many bills of credit can only be redeemed after the investment period has expired.
In any case, LCIs and LCAs are safe investments, highly recommended for investors focused on the medium and long term.
Private credit securities
Private credit bonds are common among investors who want to diversify their assets in fixed-income investments.
Basically, it works as follows: the investor will "lend" their money to a company in exchange for an interest rate.
For companies, these bonds are a way of raising funds.
The advantage of these assets is that they offer a higher return than traditional fixed-income products.
On the other hand, the risks are also a little higher, as private credit securities do not have the protection of the Credit Guarantee Fund (FGC).
The main private credit securities are
Debentures
One Debenture is a debt security issued by companies offering credit rights to the investor.
In 2021, demand for this type of investment increased considerably.
CRIs and CRAs
The real estate receivables certificate (CRI) and the agribusiness receivables certificate (CRA) are fixed-income securities exempt from income tax.
These investments are backed by credit operations linked to the real estate and agribusiness sectors.
FIDC
FIDC stands for Fundo de Investimento em Direitos Creditórios.
This is a type of investment fund that invests in credit securities created from the accounts receivable of a particular company.
In other words, credit rights are credits that companies have to receive, such as checks and credit card installment payments.
The debts are converted into bonds and offered on the financial market.
At the Bank of Brazil, FIDC trading is only carried out in relationship agencies.
Treasury Direct
Tesouro Direto is one of the most accessible fixed-income investments.
With just over R$ 30, you can already buy government bonds.
Basically, Tesouro Direto is a National Treasury program developed in partnership with B3 to sell federal government bonds to individuals online.
On the Tesouro Direto platform, you can find various types of government bonds.
The main types of government bonds are
- Fixed-rate Treasury: at the time of purchase, you already know exactly how much you're going to get back;
- Selic Treasury: is a post-fixed bond that follows the variation of the Selic, the economy's basic interest rate;
- IPCA Treasury: is a hybrid bond, with part of its yield linked to the IPCA and part to a fixed rate.
Treasury Direct is considered one of the safest investments on the market, as it is 100% guaranteed by the National Treasury.
Conclusion
BB fixed income is an excellent option for those who want to invest safely, conveniently and with greater predictability of return.
On Banco do Brasil's investment platform, you can take the test to discover your investor profile and thus find the assets best suited to your objectives, needs and financial reality!
