{"id":24024,"date":"2022-03-25T21:01:42","date_gmt":"2022-03-25T18:01:42","guid":{"rendered":"https:\/\/valorizei.com\/?p=24024"},"modified":"2025-02-27T13:21:49","modified_gmt":"2025-02-27T10:21:49","slug":"etf-de-renda-fixa","status":"publish","type":"post","link":"https:\/\/valorizei.com\/en\/etf-de-renda-fixa\/","title":{"rendered":"Fixed income ETF: what it is, how to invest and the main options"},"content":{"rendered":"

Find out what a fixed income ETF is and the best options on the market<\/strong><\/p>\n\n\n\n

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Do you know what a fixed income ETF is? It is a good investment option for those who want to diversify their portfolio, but without giving up the security and low risk offered by fixed income.<\/p>\n\n\n\n

In Brazil, this market is not yet as popular as it is abroad. However, this scenario is already changing, as the number of investors interested in ETFs has increased in recent years.<\/p>\n\n\n\n

With this in mind, we have prepared an article to explain what a fixed income ETF is, how to invest, and the main options on the market. Let\u2019s take a look at this together.<\/p>\n\n\n\n

\"etf<\/figure>\n\n\n\n

What is an ETF (Exchange Traded Fund)?<\/strong><\/h2>\n\n\n\n

An ETF is an investment fund that uses a stock market index as a reference.<\/strong><\/p>\n\n\n\n

The composition is made with the aim of achieving yields equal to or greater than the indicator used.<\/p>\n\n\n\n

This type of investment is managed by a specialized professional. Every day, they monitor the market to make the necessary purchases and sales to obtain good results.<\/p>\n\n\n\n

ETF shares are traded on the stock exchange as if they were shares. Therefore, their performance fluctuates according to the performance of the securities included in their asset portfolio.<\/p>\n\n\n\n

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What is a fixed income ETF?<\/strong><\/h2>\n\n\n\n

As you already know, ETFs are investments that replicate other indexes.<\/p>\n\n\n\n

In other words, a fixed income ETF is a fund that is linked to other funds. fixed income investments<\/a>, such as public and private securities, reflecting their variations and profitability.<\/p>\n\n\n\n

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What are the main fixed income ETFs?<\/strong><\/h2>\n\n\n\n

Now that you know how these investments work, it\u2019s time to discover the options available on the market.<\/p>\n\n\n\n

There are currently seven fixed income ETF options available listed on the B3 \u2013 the Brazilian stock exchange<\/a>. Check it out:<\/p>\n\n\n\n

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

FIXA11<\/strong><\/h3>\n\n\n\n

Mirae Asset Renda Fixa Pr\u00e9 is a fixed income fund that links its returns to the S&P\/B3 Interest Rate Futures Index, calculated by S&P Dow Jones Indices.<\/strong><\/p>\n\n\n\n

It is a good option for those seeking exposure to fixed interest rates and government bonds linked to the Selic rate.<\/p>\n\n\n\n

In other words, the purpose of the asset is to reflect market expectations according to the Selic rate<\/a> (base interest rate).<\/p>\n\n\n\n

Therefore, the FIXA11 ETF has relatively high volatility.<\/p>\n\n\n\n

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IB5M11<\/strong><\/h3>\n\n\n\n

IB5M11 (IT Now IMA-B5+ Index Fund) is an ETF managed by Banco Ita\u00fa.<\/strong><\/p>\n\n\n\n

It replicates Anbima's IMA-B5+ index, which basically represents public bonds linked to inflation, with a term equal to or greater than 5 years.<\/p>\n\n\n\n

The fund's portfolio is focused on NTN-B type assets. For this reason, it is recommended for those who want to protect themselves from inflation, especially in the long term.<\/p>\n\n\n\n

It is possible to invest in this fund with just R$ 100.<\/p>\n\n\n\n

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IMAB11<\/strong><\/h3>\n\n\n\n

IMAB11 replicates the IMA-B index.<\/strong><\/p>\n\n\n\n

This index fund tracks the profitability of a theoretical portfolio with post-fixed Treasury Direct bonds.<\/p>\n\n\n\n

This means that its main strategy is to compose a portfolio of government bonds linked to inflation plus an interest rate.<\/p>\n\n\n\n

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B5MB11<\/strong><\/h3>\n\n\n\n

B5MB11 is an ETF, launched by Bradesco bank, which tracks the IMA-B5+ DA Anbima index.<\/strong><\/p>\n\n\n\n

Its composition includes NTN-B bonds, which refer to Treasury Direct bonds with profitability linked to inflation plus a fixed interest rate with a maturity period equal to or greater than five years.<\/p>\n\n\n\n

Also known as ETF Bradesco IMAB-5+ Index Fund, this ETF follows the same logic as IB5M11.<\/p>\n\n\n\n

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B5P211<\/strong><\/h3>\n\n\n\n

This fixed income ETF focuses on short-term bonds.<\/strong><\/p>\n\n\n\n

In other words, it is a possibility for investors who are thinking in the short term, but with a certain exposure to inflation.<\/p>\n\n\n\n

It replicates Anbima's IMA-B 5 P2 index, which brings together IPCA+ Treasury bonds and IPCA+ Treasury bonds with semi-annual interest.<\/p>\n\n\n\n

With just R$ 100, you can start investing in this ETF.<\/p>\n\n\n\n

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IMBB11<\/strong><\/h3>\n\n\n\n

The Bradesco IMA-B ETF was launched in 2019.<\/p>\n\n\n\n

Its investment policy seeks to apply at least 95% of resources in the variation of Anbima's IMA-B index.<\/p>\n\n\n\n

Its composition includes Treasury bonds linked to the IPCA.<\/p>\n\n\n\n

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IRFM11<\/strong><\/h3>\n\n\n\n

IRFM11 is made up of a selection of fixed-rate Treasury Direct bonds.<\/strong><\/p>\n\n\n\n

The objective here is to reflect the performance of the IRFM P2 index.<\/p>\n\n\n\n

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What do you need to know before investing in a fixed income ETF?<\/strong><\/h2>\n\n\n\n

Fixed income ETFs offer several advantages, such as the possibility of exposure to different financial investments.<\/strong><\/p>\n\n\n\n

However, to know if the ETF is really a good option for your portfolio, it is important to keep an eye on some factors, such as:<\/p>\n\n\n\n

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Fees<\/strong><\/h3>\n\n\n\n

Fixed income ETFs have a low management fee.<\/strong><\/p>\n\n\n\n

The purpose of this fee is to cover the fund's management expenses.<\/p>\n\n\n\n

Fee percentages vary depending on the ETF.<\/p>\n\n\n\n

The B5MB11 ETF, managed by Banco Bradesco, for example, has an administration fee of 0.20% per year.<\/p>\n\n\n\n

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Taxation<\/strong><\/h3>\n\n\n\n

Taxation must also be taken into account when investing in any application that is not exempt from Income Tax (such as letters of credit).<\/p>\n\n\n\n

The rate depends on the average term of the securities that make up the ETF.<\/p>\n\n\n\n

For ETFs that invest in bonds with a longer maturity term, the income tax rate is 15% on the amount invested. In addition, there is no incidence of come-cotas, a tax that falls on some investment funds.<\/p>\n\n\n\n

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Liquidity<\/strong><\/h3>\n\n\n\n

The fixed income ETF with the greatest liquidity is IMAB11.<\/strong><\/p>\n\n\n\n

As the shares of these ETFs are traded on the stock exchange, you can count on greater flexibility when buying and selling.<\/p>\n\n\n\n

However, you should always find out about the deadline for settlement on the stock exchange.<\/p>\n\n\n\n

\"vantagens<\/figure>\n\n\n\n

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

The fixed income ETF is a good option for those who prioritize the security associated with fixed income investments.<\/p>\n\n\n\n

But before you start investing, it is important that you know exactly what your investor profile is, set financial goals and, of course, analyze the ETF portfolio.<\/p>","protected":false},"excerpt":{"rendered":"

Saiba o que \u00e9 um ETF de renda fixa e quais as melhores op\u00e7\u00f5es do mercado Voc\u00ea sabe o que \u00e9 um ETF de renda fixa? Trata-se de uma boa op\u00e7\u00e3o de investimento para quem quer diversificar a carteira, mas sem abrir m\u00e3o da seguran\u00e7a e do baixo risco oferecido pela renda fixa. No Brasil,… Continue reading<\/a><\/p>","protected":false},"author":21,"featured_media":24026,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"%%title%%","_seopress_titles_desc":"Saiba o que \u00e9 um ETF de renda fixa e quais as melhores op\u00e7\u00f5es do mercado, leia o texto at\u00e9 o final e descubra suas op\u00e7\u00f5es!","_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":"etf de renda fixa","footnotes":""},"categories":[7],"tags":[],"class_list":["post-24024","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\/24024","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=24024"}],"version-history":[{"count":13,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/24024\/revisions"}],"predecessor-version":[{"id":30470,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/24024\/revisions\/30470"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media\/24026"}],"wp:attachment":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media?parent=24024"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/categories?post=24024"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/tags?post=24024"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}