Recently, the paid accounts, such as those offered by Nubank and PicPay, have become quite popular in the Brazilian financial market.
They offer high liquidity, good profitability and the security of coverage by the Credit Guarantee Fund (FGC) in most cases.
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However, this era of comfort for investors may be coming to an end, according to financial analysts.
Ruy Hungary, investment analyst at Empiricus Research, the largest independent analysis house in the world Brazil, recently warned about the decisions of the Monetary Policy Committee (Copom) in relation to the rate Selic.
According to him, the changes could significantly compromise the return offered by such financial institutions, even stating that “the 1% per month low-risk rate will end in soon”, he warns.
Copom, led by the president of the Central Bank, Roberto Campos Neto, signaled its intention to continue reducing the basic interest rate by at least 0.50 percentage points in its next meetings.
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For those who keep their money in accounts with automatic income, this is worrying news, as profits are often linked to the Selic. As Copom reduces the rate, the profitability of these accounts decreases.
Hungary predicts that the yield on these accounts could fall by around 30%. To face this scenario, he suggests investment diversification.
Stocks with a history of paying dividends are an option, although he does not advise putting all the money invested solely in these accounts into risky assets.
Hungary suggests that having around 15% to 20% of equity invested in stocks or equity funds can be a balanced strategy.
For those who want to avoid possible price fluctuations, investing in premium fixed income securities can be an attractive alternative.
Such bonds are known for offering higher payments than interest-bearing accounts and are considered almost “immune to Selic” by many market agents. Additionally, they may be exempt from Income Tax, depending on the issuer.
In this unstable scenario, investment diversification and the search for alternatives can be prudent strategies for investors who wish to maintain or increase their financial returns.