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

Investir é Fácil
4 Jun 202513:16

Summary

TLDRIn 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.

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Related Tags
Fixed-incomeInvestmentsCDBTesouro IPCAFinance TipsJune 2025Investment StrategiesFinancial EducationLiquidityPersonal FinanceBank Promotions