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With the current Brazilian economic panorama, many see the goal of increasing their income by R$1,000 per month as something almost utopian. However, the universe of investments presents opportunities that can make this dream come true, especially through Tesouro Direto. Check out tips to stay up to date on this subject.
How the current economic situation affects your investments?
Recent changes in economic rates, such as the Selic rate, which fell from 13.75% to 12.75%, have changed the outlook for financial returns, making them a little more challenging. However, for those willing to inform themselves and create an efficient strategy, the rewards remain accessible.
Mastering Tesouro Direto for better returns
Tesouro Direto is divided into different titles, each with its own peculiarities:
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- IPCA Treasury: This title, which pays interest every six months, requires an initial investment of around R$ 150 thousand (without considering inflationary effects) or R$ 296 thousand (with inflation) to ensure a return of R$ 1,000 per month.
- Prefixed Treasury: Similar to the IPCA in terms of interest periodicity. Thus, a monthly return of R$ 1,000 would require an investment of approximately R$ 127 thousand (ignoring inflation) or R$ 220 thousand (with inflation).
- Selic Treasury: This one stands out for its liquidity, allowing withdrawals at any time. To obtain a monthly return of R$ 1,000, it would be necessary to invest around R$ 114 thousand or R$ 185 thousand (taking inflation into account).
Tips for choosing the best investment strategy
Your approach to Tesouro Direto must be aligned with your investor profile:
- Conservative Profile: For those seeking less exposure to risk, the ideal is to focus on fixed income, allocating up to 70% of investments, with a bias towards Tesouro Selic due to its consistency.
- Moderate Profile: By keeping 70% of the portfolio in fixed income, the moderate investor can explore a more diversified range of securities, balancing between different types of treasuries and even including multimarket funds.
- Bold Profile: Even the most audacious investors, who seek higher returns and are more risk-tolerant, should not neglect fixed income. A good strategy would be to allocate 30% of investments in the Treasury, diversifying between Selic and other more attractive bonds, and considering bonds with shorter maturities.
In short, with the right strategy, Tesouro Direto is a powerful tool for those who want to increase their monthly income. It is essential, however, that the investor aligns their actions with their financial goals and circumstances.
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Image: Unsplash/Daniel Dan
