Os 4 MELHORES INVESTIMENTOS da RENDA FIXA para JUNHO de 2025!

Summary

In this video, Fernanda Ramos presents the top fixed-income investment opportunities for June. She discusses various options including the Tesouro IPCA 2040, a CDB from Banco Daicoval, an LCA from Banco Daicoval, and a CDB from XP Investimentos, emphasizing their features, liquidity, and potential returns. She explains key factors like the IPCA-linked investments' ability to offer real gains above inflation and highlights important considerations like the possibility of mark-to-market fluctuations. Additionally, she touches on strategies for building an emergency fund and capitalizing on opportunities, along with bonuses for new account holders at certain banks.

Takeaways

• 😀 June's fixed-income investment options are discussed, focusing on safe investment opportunities in Brazil.
• 😀 The video is hosted by Fernanda Ramos, a financial educator who shares insights on investments each week.
• 😀 The first recommendation is the Tesouro IPCA 2040, offering IPCA + 7.01% annually with a daily liquidity, but subject to market fluctuations if redeemed early.
• 😀 If held to maturity, the Tesouro IPCA 2040 guarantees a return of IPCA + 7.01% per year, but early withdrawals may experience ‘mark-to-market’ variations.
• 😀 Historically, investors in Tesouro IPCA with rates higher than IPCA + 6% have earned substantial returns if they waited for the right moment to sell.
• 😀 The second investment suggestion is a daily liquidity CDB from Banco Daicoval, offering 106% of the CDI with a minimum investment of R$ 1,000 and a 3-year term.
• 😀 The CDB from Banco Daicoval is suitable for emergency and opportunity funds, providing flexibility in case of urgent situations like job loss or medical emergencies.
• 😀 A bonus of R$ 100 is offered by Banco Daicoval to those opening an account and investing R$ 10,000 for at least 90 days.
• 😀 The third option is a LCA linked to the IPCA from Banco Daicoval, offering IPCA + 7.21% annually with no tax deductions, making it an attractive option for inflation-beating returns.
• 😀 The video explains how investment linked to IPCA (such as LCA) can offer solid real returns, especially with the inflation expectations lower than in previous years.
• 😀 The final investment suggestion is a CDB from XP Investimentos, offering 150% of the CDI with a 60-day term and a minimum investment of R$ 20,000, targeting short-term high returns.

Q & A

What is the primary focus of the video?

The video focuses on recommending the best fixed-income investments for June, discussing different options available in the market along with their characteristics.

What is the Tesouro IPCA 2040, and why is it recommended in the video?

The Tesouro IPCA 2040 is a government bond linked to inflation (IPCA) with an additional annual return of 7.01%. It is recommended because of its potential for gains, especially when held until maturity, though it can be subject to market fluctuations if redeemed earlier.

What does 'marcação a mercado' (market marking) mean in the context of the Tesouro IPCA investment?

'Marcação a mercado' refers to the daily adjustment of the bond's price based on market conditions. This can lead to either a higher or lower return than the initial rate of IPCA + 7.01% if the bond is sold before maturity.

How does the historical performance of Tesouro IPCA 2035 compare to the current Tesouro IPCA 2040?

The Tesouro IPCA 2035, which is similar to the 2040 bond, has historically shown a lower return than the target rate (IPCA + 6% per year), though some investors who were patient and sold at the right time achieved positive market-adjusted gains.

What is the CDB with daily liquidity from Banco Daicoval, and what are its features?

The CDB from Banco Daicoval offers a return of 106% of the CDI with daily liquidity, meaning you can withdraw your money at any time. It requires a minimum investment of R$ 1,000 and has a 3-year maturity period.

How can the Banco Daicoval CDB be used in personal finance planning?

The Banco Daicoval CDB is ideal for creating an emergency or opportunity reserve, as it allows quick access to funds without penalties or waiting periods.

What is the advantage of investing in a CDB with daily liquidity?

The main advantage is flexibility—investors can access their funds at any time, making it useful for unforeseen events, like a job loss or urgent family matters, as well as for seizing investment opportunities.

What does the video suggest about using FGTS for personal financing?

The video suggests that people who have worked with a formal contract and have FGTS (Severance Indemnity Fund) balance can access these funds without needing to wait for retirement or dismissal, which can be useful for paying debts or starting a business.

What are the key characteristics of the LCA from Banco Daicoval?

The LCA (Credit Letter of Agribusiness) from Banco Daicoval offers a return of IPCA + 7.21% per year, with the benefit of being exempt from income tax. It has a 3-year maturity and a minimum investment of R$ 10,000.

Why are investments linked to the IPCA (inflation) considered a good option in the current economic environment?

Investments linked to IPCA are attractive because they offer returns that outpace inflation, which is currently expected to remain relatively low (around 5% in 2025), while interest rates (Selic) remain high, making such investments very profitable.