🥇 10 MELHORES INVESTIMENTOS DE RENDA FIXA COM LIQUIDEZ DIÁRIA COM SELIC EM 14,25%

Summary

In this video, the speaker discusses Brazil's high interest rates, with the Selic rate currently at 14.25% and expected to rise further in 2025. The focus is on real interest rates, which are currently the highest globally, offering lucrative opportunities for fixed-income investments. The speaker provides a list of the top 10 fixed-income investments with daily liquidity and guarantees from the FGC, including CDBs and Treasury Selic. They also compare these investments with traditional savings accounts and highlight their superior returns. The video aims to educate viewers on maximizing their investments during high-interest periods.

Takeaways

• 😀 The Selic rate has recently increased to 14.25% per year, and it is expected to rise further, reaching 15% by the end of 2025.
• 😀 Brazil currently has the highest real interest rate in the world, standing at approximately 10% per year.
• 😀 The real interest rate is crucial for investors, as it indicates actual returns on fixed-income investments after inflation.
• 😀 Even countries like Russia and Argentina, which have high nominal rates, cannot match Brazil's real interest rate.
• 😀 Fixed-income investments with daily liquidity, especially those with FGC (Credit Guarantee Fund) protection, are excellent for short-term goals like emergency funds or upcoming expenses.
• 😀 The video outlines 10 top fixed-income investments with daily liquidity, providing secure options for Brazilian investors.
• 😀 Investments with daily liquidity and FGC protection are safer, as they offer both high returns and a safety net against financial losses.
• 😀 Examples of good fixed-income options include CDBs from various banks like Banco Pan, Mercado Pago, and PicPay, paying from 100% to 110% of CDI rates.
• 😀 The CDB from Banco Sofisa Direto, which previously offered 110% of CDI, now pays 105% but remains a strong option.
• 😀 The top-performing CDB in the ranking is from Banco BMG, which offers 110% of CDI, with an investment return of R$ 11,284 after one year for R$ 10,000 invested.
• 😀 The video encourages viewers to enroll in a course for financial independence, with a focus on various types of investments, including fixed income, stocks, and international assets.

Q & A

What is the current Selic rate in Brazil and why is it significant for investors?

The current Selic rate in Brazil is 14.25% per year. This is significant for investors because it directly influences the nominal interest rate in the economy. A higher Selic rate typically means higher returns on fixed-income investments like CDBs and Treasury securities, making Brazil an attractive market for safe investments.

What is the difference between nominal and real interest rates, and why does the real rate matter more for investors?

Nominal interest rates represent the stated interest rate without accounting for inflation. Real interest rates, on the other hand, account for inflation, showing the actual return on an investment. Investors are more concerned with real interest rates because they reflect the true purchasing power of their returns.

Why is Brazil's real interest rate considered the highest in the world?

Brazil has one of the highest real interest rates globally, at approximately 10% per year. This is higher than countries like Russia, Argentina, Mexico, and even developed nations such as the US and European countries, making Brazil a prime location for fixed-income investments.

What is the FGC and how does it benefit Brazilian investors?

The FGC (Fundo Garantidor de Créditos) is a guarantee fund that protects investors in case a financial institution fails. It guarantees up to R$ 250,000 per investor, per institution, which provides a safety net for investors in CDBs, savings accounts, and other similar products.

What is the difference between Treasury Selic and CDBs in terms of safety?

Treasury Selic is backed by the Brazilian government, which is considered one of the safest investments in Brazil. CDBs (Certificates of Deposit), on the other hand, are issued by banks and are backed by the FGC. While both are considered safe, Treasury Selic has the added security of being backed by the government, making it slightly safer than CDBs.

How does the CDI rate relate to the Selic rate?

The CDI (Certificado de Depósito Interbancário) rate is typically 0.1% lower than the Selic rate. It is used as a benchmark for most fixed-income investments in Brazil. For example, if the Selic rate is 14.25%, the CDI rate will be around 14.15%.

What is the return on a R$ 10,000 investment in CDBs compared to a savings account?

For example, investing R$ 10,000 in CDBs paying 100% of the CDI after one year would result in R$ 11,167, while a savings account would only yield R$ 10,703. This shows that CDBs are far more profitable than savings accounts in Brazil.

What happened to the Banco Sofisa Direto CDB, and why was it significant?

The Banco Sofisa Direto CDB, which previously offered a 110% return of the CDI, reduced its rate to 105% in March 2025. This was significant because it had been a popular and high-performing option for investors, making its reduction a notable change in the Brazilian investment landscape.

How do liquidity and investment term affect the returns on CDBs?

Liquidity refers to the ability to withdraw funds from an investment. Fixed-income investments with daily liquidity allow investors to access their money at any time without penalty, though they may offer slightly lower returns. Longer investment terms may offer higher returns due to the extended duration of the investment.

What are the top three highest-yielding CDBs in the ranking provided?

The top three highest-yielding CDBs in the ranking are: 1) BMG's CDB offering 110% of CDI, 2) Daikoval's CDB offering 107% of CDI (with a bonus), and 3) Sofisa Direto's CDB offering 105% of CDI.