The ‘mamata’ of 1% per month in the Selic Treasury is over: while Copom cuts interest, ‘premium’ fixed income pays up to IPCA + 10%


If you are an investor who has pocketed good money in safe fixed income assets like Selic Treasury In times of high interest rates, here’s some bad news: the reality of earning 1% per month in the most conservative investment in the country is a thing of the past.

At the most recent Copom meeting, which took place last Wednesday (1st), the Selic rate underwent a cut of 0.5 percentage points. Now, the basic interest rate is 12.25% per year.

In practice, this means that the monthly yield on assets linked to the Selic will now be less than 1%. More specifically, 0.968% per month. If before, with Selic at 12.75% per year, an investment of R$10,000 would yield R$100.50 per month, now, this monthly value would drop to R$96.80.

At first, it doesn’t seem like a very significant difference. But it is important to remember that it is very likely that interest rates will continue to fall, as will the income of investors who rely only on the Treasury Selic to seek profits.

According to this week’s Focus Bulletin, the expectation is that by 2025 the Selic rate reaches 8.75% per year.

In other words: anyone who is used to earning more than two digits a year by leaving their money “quietly” in the Treasury Selic or in assets linked to 100% of the CDI will face a sharp drop in income from now on.

But that doesn’t mean there aren’t any more good opportunities to invest in fixed income..

On the contrary: there are some “premium” assets that are paying returns well above the market average, have the security of fixed income and stand out amid falling interest rates.

In a scenario of monetary easing, there are two main groups:

  • Investors who will completely avoid fixed income and waste good opportunities; It is
  • Those who will continue investing in fixed income, but only in more traditional securities linked to the Selic and will waste more attractive assets.

The good news is that there is a third way. And it is precisely this third alternative that I will present below. It is about including in the portfolio assets that combine the security of fixed income, but without leaving aside good returns – the so-called “premium” titles.

These ‘premium’ fixed income securities are practically ‘immune’ to falling interest rates

There are some “turbocharged” fixed income products that are considered practically “immune” to drops in interest rates. It is clear that every fixed income asset is impacted in some way by the Selic cut.

But in the case of these titles, Incomes are naturally well above average and many of them are exempt from Income Taxwhich, even with the reduction in interest rates, keeps them advantageous compared to other fixed income products.

Take a look at the expected return of 4 “special” fixed income products, recommended by the Empiricus group analysis team:

Source: Empiricus Group

As the table shows, the remuneration of “premium” securities can reach up to IPCA + 10.07%. This is far above what is being offered in much of the market in the current scenario.

IPCA+ Treasury bonds, for example, offer a real yield of practically half of these “turbocharged” assets. Look:

Source: Tesouro Direto

Of course, we are referring to different risk levels, since, in the case of the Treasury, it is federal government debt. The “turbocharged” assets are private credit securities.

Therefore, the idea is just to show you the potential “giant” return of these “premium” titles, remembering that, in a good diversified portfolio, one security should not replace another.

Big banks and brokers will hardly tell you about these products

It is undeniable that, throughout the interest rate cut, most fixed income assets will suffer drops in yield. But look closely: Having this asset class in your portfolio is essentialas it is a form of portfolio diversification and protection.

But just like any other investment, there are some assets that stand out from others in terms of profitability. As you have seen, this is the case with the 4 premium titles recommended by the Empiricus group.

The only problem is that these products are often unknown to the average investor. Due to its profitability well above average, large banks and brokers only usually warn about these assets to “rich” investors.

But thanks to a free report, this reality can be changed. The Empiricus group’s team of analysts selected 4 “premium” fixed income securities that they consider to be the most promising for investing in the month of November.

Therefore, any investor interested in discovering truly attractive fixed income products You can access these recommendations for free.

Remember: we are talking about yields that reach IPCA + 10%, IPCA + 9.2%, IPCA + 9%… these are “rare” returns in the market. And you can find out what these titles are without paying a penny, as well as receive recommendations for the coming months.

The process is very simple. Just access this link or the button below, follow the step by step and you will soon receive first-hand the best fixed income products to invest in now amid the fall in the Selic rate:

The article is in Portuguese

Tags: mamata month Selic Treasury Copom cuts interest premium fixed income pays IPCA



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