{"id":23892,"date":"2022-03-16T21:56:26","date_gmt":"2022-03-16T18:56:26","guid":{"rendered":"https:\/\/valorizei.com\/?p=23892"},"modified":"2025-02-27T13:21:49","modified_gmt":"2025-02-27T10:21:49","slug":"fundo-global-de-renda-fixa-o-que-e-e-como-investir","status":"publish","type":"post","link":"https:\/\/valorizei.com\/en\/fundo-global-de-renda-fixa-o-que-e-e-como-investir\/","title":{"rendered":"Global fixed income fund: what is it and how to invest?"},"content":{"rendered":"

What is a global fixed income fund? Learn everything about it!<\/strong><\/p>\n\n\n\n

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The global fixed income fund (AF Global Bonds) is now available on the XP Investimentos platform.<\/p>\n\n\n\n

Since its inception in August 2021, the fund has accumulated a return of 200% of the CDI.<\/p>\n\n\n\n

For this reason, it is a great option for global diversification through fixed income assets, as it contains international assets.<\/p>\n\n\n\n

To learn more about the subject and forms of investment, continue reading.<\/p>\n\n\n\n

\"fundo<\/figure>\n\n\n\n

What is the global fixed income fund?<\/strong><\/h2>\n\n\n\n

AF Global Bonds, managed by AF Invest, is an option for diversifying global assets through fixed income.<\/strong><\/p>\n\n\n\n

Therefore, it is a fund intended for people who are classified as qualified investors.<\/p>\n\n\n\n

The fund's allocation is well diversified, as it is made up of companies from the finance, electricity, health, sanitation, logistics sectors, among others.<\/p>\n\n\n\n

To invest in this fund<\/a>, it is necessary to make a minimum application of R$ 1 thousand.<\/p>\n\n\n\n

Its performance fee is 20% of what exceeds 100% of the CDI.<\/p>\n\n\n\n

The administration fee is 0.50% per year on net equity, which may reach a maximum of 0.75% for the same period.<\/p>\n\n\n\n

Source: Value Invest<\/a><\/p>\n\n\n\n

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What are the main features of this fund?<\/strong><\/h2>\n\n\n\n

One of the main advantages of AF Global Bonds is that there is no exchange rate variation on profitability.<\/p>\n\n\n\n

Furthermore, this fund has the return of assets that make up the portfolio.<\/p>\n\n\n\n

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What are international funds?<\/strong><\/h2>\n\n\n\n

International income funds have their investments linked to some foreign currency.<\/strong><\/p>\n\n\n\n

The assets that make up this fund are traded outside of Brazil. For this reason, the profitability is released in foreign currencies.<\/p>\n\n\n\n

Obviously, this can be an advantage considering the country's current economic scenario.<\/p>\n\n\n\n

If you invest in funds, you won't have much difficulty investing in international funds. After all, the process is similar to investing in funds from other categories.<\/p>\n\n\n\n

You will invest in shares and will have the assistance of a professional manager to manage the fund.<\/p>\n\n\n\n

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What are fixed income funds?<\/strong><\/h2>\n\n\n\n

To better understand the subject, it is very important that you know exactly what fixed income funds are.<\/strong><\/p>\n\n\n\n

Basically, a fixed income fund works like a safe investment portfolio with low fluctuation.<\/p>\n\n\n\n

This category includes portfolios that have at least 80% of equity invested in assets linked to variations in interest rates, price indexes, or both.<\/p>\n\n\n\n

To obtain this type of exposure, the funds invest most of their assets in fixed income assets.<\/a><\/p>\n\n\n\n

\"cita\u00e7\u00e3o\"<\/figure>\n\n\n\n

International fixed income funds<\/strong><\/h2>\n\n\n\n

International fixed income funds are those that invest the majority of their assets in fixed income products from other countries.<\/strong><\/p>\n\n\n\n

Generally, these are funds focused on rich or emerging countries.<\/p>\n\n\n\n

One of the most interesting features of this investment is that it is linked to the Interbank Deposit Certificate (CDI) and exchange rate variations.<\/p>\n\n\n\n

Furthermore, as we are talking about fixed income, it is important to mention that this option is very advantageous for investors with a more conservative profile, that is, those who do not want to take risks.<\/p>\n\n\n\n

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What are the advantages of investing in fixed income funds?<\/strong><\/h2>\n\n\n\n

Among the main advantages of investing in fixed income funds, we can mention:<\/p>\n\n\n\n

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1. Professional management<\/strong><\/h3>\n\n\n\n

Calculating risk and understanding the volatility that each security can experience are difficult tasks, even for more experienced investors.<\/strong><\/p>\n\n\n\n

The advantage, in this case, is that fund managers are professionals who are experts in this type of analysis. <\/p>\n\n\n\n

For this reason, they carry out quality work in relation to risk analysis, volatility and issues related to the sale of the security.<\/p>\n\n\n\n

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2. Practicality<\/strong><\/h3>\n\n\n\n

Monitoring the diversification of your investment portfolio is a task that requires time and dedication, as well as a lot of knowledge.<\/strong><\/p>\n\n\n\n

When investing in fixed income funds, it will be easier to monitor performance, as with just one statement, you will have access to all the information you need.<\/p>\n\n\n\n

It is also important to mention that you will invest in securities from different companies, but without having to open accounts with several brokerage firms or investment banks.<\/p>\n\n\n\n

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What is the main disadvantage of fixed income funds?<\/strong><\/h2>\n\n\n\n

Regarding the disadvantages, we can mention the fees involved in the operations.<\/strong><\/p>\n\n\n\n

In addition to Income Tax and IOF, fixed income funds charge management and performance fees.<\/p>\n\n\n\n

These costs, in addition to the investor profile and financial objectives, must be analyzed.<\/p>\n\n\n\n

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How are fixed income funds taxed?<\/strong><\/h2>\n\n\n\n

The taxes that apply to fixed income funds are Income Tax (IR) and Tax on Financial Transactions (IOF).<\/strong><\/p>\n\n\n\n

However, IOF is only charged if the redemption is made within a period of less than 30 days from the application. In this case, the rate on the income varies from 96% to 0%, according to the term.<\/p>\n\n\n\n

Income Tax is levied on the profitability of the funds. The longer you hold the investment, the less tax you will pay.<\/p>\n\n\n\n

For short-term investments (with maturity of up to 365 days), if the investment is for up to 180 days, the rate will be 22.5%.<\/p>\n\n\n\n

If the term is longer than 180 days, the rate decreases to 20% on the amount contributed.<\/p>\n\n\n\n

For long-term fixed income funds, the regressive IR table works as follows:<\/p>\n\n\n\n

\u2022Up to 180 days, 22.5%;<\/p>\n\n\n\n

\u2022 181 to 360 days, 20%;<\/p>\n\n\n\n

\u2022 361 to 720 days, 17.5%;<\/p>\n\n\n\n

\u2022 Over 720 days, 15%.<\/p>\n\n\n\n

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How to invest in a fixed income fund?<\/strong><\/h2>\n\n\n\n

It is necessary to look for institutions that distribute funds, such as stockbrokers.<\/strong><\/p>\n\n\n\n

For example, the AF Global Bonds fund is available on the XP Investimentos platform.<\/p>\n\n\n\n

In addition, it is necessary to study the investment policy and analyze the fund's performance history.<\/p>\n\n\n\n

\"como<\/figure>\n\n\n\n

Conclusion<\/strong><\/h2>\n\n\n\n

In general, the global fixed income fund, like other funds in this category, is a good investment for conservative and moderate profiles.<\/p>\n\n\n\n

Even for those with little experience, these funds are recommended, as they are a relatively simple way to make investments.<\/p>","protected":false},"excerpt":{"rendered":"

O que \u00e9 o fundo global de renda fixa? Saiba tudo sobre o assunto! O fundo global de renda fixa (AF Global Bonds), j\u00e1 est\u00e1 dispon\u00edvel na plataforma XP Investimentos. Desde o seu in\u00edcio, em agosto de 2021, o fundo acumula rentabilidade de 200% do CDI. Por esse motivo, \u00e9 uma \u00f3tima op\u00e7\u00e3o de diversifica\u00e7\u00e3o… Continuar lendo<\/a><\/p>","protected":false},"author":21,"featured_media":23894,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"","_seopress_titles_desc":"O que \u00e9 o fundo global de renda fixa? Saiba tudo sobre o assunto, leia o texto at\u00e9 o final e descubra os detalhes!","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"Fundo global de renda fixa","footnotes":""},"categories":[7],"tags":[],"class_list":["post-23892","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investimentos"],"_links":{"self":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/23892","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/comments?post=23892"}],"version-history":[{"count":10,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/23892\/revisions"}],"predecessor-version":[{"id":26054,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/23892\/revisions\/26054"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media\/23894"}],"wp:attachment":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media?parent=23892"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/categories?post=23892"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/tags?post=23892"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}