{"id":24086,"date":"2022-03-30T21:20:11","date_gmt":"2022-03-30T18:20:11","guid":{"rendered":"https:\/\/valorizei.com\/?p=24086"},"modified":"2025-02-27T13:21:49","modified_gmt":"2025-02-27T10:21:49","slug":"renda-fixa-bb","status":"publish","type":"post","link":"https:\/\/valorizei.com\/en\/renda-fixa-bb\/","title":{"rendered":"BB fixed income investments: what options are available?"},"content":{"rendered":"

Learn how to invest in BB fixed income<\/strong><\/p>\n\n\n\n

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Have you ever heard of BB fixed income? <\/p>\n\n\n\n

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!<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

\"os<\/figure>\n\n\n\n

Why invest in BB fixed income?<\/strong><\/h2>\n\n\n\n

Banco do Brasil is one of the country's leading banks.<\/strong><\/p>\n\n\n\n

In fact, it is the oldest of them all - it was founded on October 12, 1808.<\/p>\n\n\n\n

Banco do Brasil currently has more than 54 million customers in the country.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

You can also invest in both fixed and variable income.<\/p>\n\n\n\n

Among the main reasons for investing in fixed income through Banco do Brasil, we can mention:<\/p>\n\n\n\n

- Diversity of applications<\/p>\n\n\n\n

- Security when investing<\/p>\n\n\n\n

- Affordable financial products<\/p>\n\n\n\n

- Team of experts providing reports and analysis with market information<\/p>\n\n\n\n

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What are BB's fixed income products?<\/strong><\/h2>\n\n\n\n

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.<\/strong><\/p>\n\n\n\n

Check it out:<\/p>\n\n\n\n

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CDB<\/strong><\/h2>\n\n\n\n

The Bank Certificate of Deposit is one of the most common fixed-income investments.<\/p>\n\n\n\n

The investment logic is similar to that of the Treasury Direct<\/a>. The difference is that when you buy a CDB security, you are \"lending\" your money to banks to finance credit activities.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

CDBs have different rates of return, which vary according to the institution, the term and the liquidity rules.<\/p>\n\n\n\n

The titles available are:<\/p>\n\n\n\n

- Fixed-rate securities:<\/strong> is the most common type of CDB. The rate of return is linked to an economic indicator, such as the CDI, for example.<\/p>\n\n\n\n

- Fixed-rate securities:<\/strong> when you sign up, you'll know exactly how much your money will earn by the due date.<\/p>\n\n\n\n

- Hybrid titles<\/strong>The hybrid CDB has a rate of return made up of a fixed part and a variable part.<\/p>\n\n\n\n

CDB securities are protected by the Credit Guarantee Fund (FGC)<\/a>.<\/p>\n\n\n\n

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LCI and LCA<\/strong><\/h2>\n\n\n\n

LCI and LCA stand for Letra de Cr\u00e9dito Imobili\u00e1rio and Letra de Cr\u00e9dito do Agroneg\u00f3cio, respectively.<\/strong><\/p>\n\n\n\n

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.<\/p>\n\n\n\n

LCIs and LCAs are issued by financial institutions to raise funds and finance the real estate sector and agribusiness.<\/p>\n\n\n\n

The disadvantages of letters of credit include the minimum investment amount.<\/p>\n\n\n\n

It's just that they usually require slightly larger initial contributions than other fixed-income investments, such as CDBs and direct treasuries.<\/p>\n\n\n\n

It is also important to mention that many bills of credit can only be redeemed after the investment period has expired.<\/p>\n\n\n\n

In any case, LCIs and LCAs are safe investments, highly recommended for investors focused on the medium and long term.<\/p>\n\n\n\n

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

Private credit securities<\/strong><\/h2>\n\n\n\n

Private credit bonds are common among investors who want to diversify their assets in fixed-income investments.<\/strong><\/p>\n\n\n\n

Basically, it works as follows: the investor will \"lend\" their money to a company in exchange for an interest rate.<\/p>\n\n\n\n

For companies, these bonds are a way of raising funds.<\/p>\n\n\n\n

The advantage of these assets is that they offer a higher return than traditional fixed-income products.<\/p>\n\n\n\n

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).<\/a><\/p>\n\n\n\n

The main private credit securities are<\/p>\n\n\n\n

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Debentures<\/strong><\/h3>\n\n\n\n

One Debenture<\/a> is a debt security issued by companies offering credit rights to the investor.<\/p>\n\n\n\n

In 2021, demand for this type of investment increased considerably.<\/p>\n\n\n\n

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CRIs and CRAs<\/strong><\/h3>\n\n\n\n

The real estate receivables certificate (CRI) and the agribusiness receivables certificate (CRA) are fixed-income securities exempt from income tax.<\/strong><\/p>\n\n\n\n

These investments are backed by credit operations linked to the real estate and agribusiness sectors.<\/p>\n\n\n\n

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FIDC<\/strong><\/h3>\n\n\n\n

FIDC stands for Fundo de Investimento em Direitos Credit\u00f3rios.<\/strong><\/p>\n\n\n\n

This is a type of investment fund that invests in credit securities created from the accounts receivable of a particular company.<\/p>\n\n\n\n

In other words, credit rights are credits that companies have to receive, such as checks and credit card installment payments.<\/p>\n\n\n\n

The debts are converted into bonds and offered on the financial market.<\/p>\n\n\n\n

At the Bank of Brazil, FIDC trading<\/a> is only carried out in relationship agencies.<\/p>\n\n\n\n

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Treasury Direct<\/strong><\/h2>\n\n\n\n

Tesouro Direto is one of the most accessible fixed-income investments.<\/strong><\/p>\n\n\n\n

With just over R$ 30, you can already buy government bonds.<\/p>\n\n\n\n

Basically, Tesouro Direto is a National Treasury program developed in partnership with B3 to sell federal government bonds to individuals online.<\/p>\n\n\n\n

On the Tesouro Direto platform, you can find various types of government bonds.<\/p>\n\n\n\n

The main types of government bonds are<\/p>\n\n\n\n

- Fixed-rate Treasury:<\/strong> at the time of purchase, you already know exactly how much you're going to get back;<\/p>\n\n\n\n

- Selic Treasury:<\/strong> is a post-fixed bond that follows the variation of the Selic, the economy's basic interest rate;<\/p>\n\n\n\n

- IPCA Treasury:<\/strong> is a hybrid bond, with part of its yield linked to the IPCA and part to a fixed rate.<\/p>\n\n\n\n

Treasury Direct is considered one of the safest investments on the market, as it is 100% guaranteed by the National Treasury.<\/p>\n\n\n\n

\"principais<\/figure>\n\n\n\n

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

BB fixed income is an excellent option for those who want to invest safely, conveniently and with greater predictability of return.<\/p>\n\n\n\n

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!<\/p>","protected":false},"excerpt":{"rendered":"

Saiba como investir em renda fixa BB Voc\u00ea j\u00e1 ouviu falar em renda fixa BB?  Ao criar uma conta no Banco do Brasil, voc\u00ea pode come\u00e7ar a investir com seguran\u00e7a e praticidade j\u00e1 que essa institui\u00e7\u00e3o oferece diversas possibilidades de investimento para os seus clientes! Se voc\u00ea quer conhecer melhor essas aplica\u00e7\u00f5es, continue a leitura.… Continuar lendo<\/a><\/p>","protected":false},"author":21,"featured_media":24088,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"%%title%% %%page%%","_seopress_titles_desc":"Saiba como investir em renda fixa BB, separamos neste conte\u00fado todos os detalhes das principais op\u00e7\u00f5es de investimento do Banco do Brasil!","_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":"renda fixa BB","footnotes":""},"categories":[7],"tags":[],"class_list":["post-24086","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\/24086","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=24086"}],"version-history":[{"count":13,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/24086\/revisions"}],"predecessor-version":[{"id":30459,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/24086\/revisions\/30459"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media\/24088"}],"wp:attachment":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media?parent=24086"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/categories?post=24086"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/tags?post=24086"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}