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Given the current Brazilian economic landscape, many see the goal of increasing their income by R$ 1,000 per month as something almost utopian. However, the world of investments offers opportunities that can make this dream a reality, 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 landscape of financial returns, making them somewhat more challenging. However, for those willing to stay informed and create an effective strategy, the rewards remain within reach.
Mastering Tesouro Direto for better returns
Tesouro Direto is divided into different bonds, each with its own characteristics:
- Tesouro IPCA: This bond, which pays interest every six months, requires an initial investment of around R$ 150,000 (without considering inflationary effects) or R$ 296,000 (with inflation) to ensure a return of R$ 1,000 per month.
- Tesouro Prefixado: Similar to the IPCA in terms of interest payment frequency. Thus, a monthly return of R$ 1,000 would require an investment of approximately R$ 127 thousand (ignoring inflation) or R$ 220 thousand (including inflation).
- Tesouro Selic: 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 should align with your investor profile:
- Conservative Profile: For those seeking lower risk exposure, the ideal approach is to focus on fixed income, allocating up to 70% of investments, with a preference for Tesouro Selic due to its consistency.
- Moderate Profile: Keeping 70% of the portfolio in fixed income, the moderate investor can explore a more diversified range of bonds, balancing between different types of government bonds and even including multimarket funds.
- Aggressive Profile: Even the most audacious investors, who seek higher returns and are more tolerant of risk, should not neglect fixed-income investments. A good strategy would be to allocate 30% of investments to Treasury bonds, diversifying between Selic and other more attractive bonds, and considering bonds with shorter maturities.
In summary, Tesouro Direto, with the right strategy, is a powerful tool for those who wish to increase their monthly income. It is essential, however, that investors align their actions with their goals and financial circumstances.
Image: Unsplash/Daniel Dan
