We live in a moment in which the Selic, the economy’s basic interest rate, is at a very high level of 13.75%. With this, fixed income gains strength and many investors are afraid to put money in variable income investments. So how to invest?
A curiosity is that within this universe, few women are part of it. The 5th edition of the Brazilian Investor X-Ray, carried out by Anbima (Brazilian Association of Financial and Capital Market Entities) in partnership with Datafolha in 2022, showed that 72% of women still do not invest. A
And of those who invest, most tend to be conservative:
- 83% of them choose savings when investing;
- 7% of them prefer private securities, such as debentures and CDBs;
- Investment funds, digital currencies and shares on the stock exchange, higher risk investments are options for 6%, 4% and 3%.
Are we going to take advantage of the Selic wave on the rise and change that? In women’s month, Entre Investidoras is an initiative by Renova Invest to encourage the female public to invest and that’s why we separate three special tips for investing with rates in the clouds.
The person who talked to us regarding this was Fernanda Rosseto, who has extensive experience in the market, working in strategic planning, projects and marketing. It is focused on developing and engaging people, leveraging results and disseminating culture.
On the Renova team, she holds the position of commercial coordinator and understands a lot when it comes to the financial market. Wassup let’s go for it?
What we will see in this article:
High Selic on investments
The truth is that it’s not all bad news, if you know how to take advantage of opportunities. Since the interest rate returned to double digits, fixed income has been in demand once more, as it has been an asset class with a positive return in recent months.
This means that the changes impact various sectors of our economy, affecting the demand for credit, corporate indebtedness and investment profitability. In the following way:
- When the Selic rate rises, investments in fixed income end up becoming more attractive, encouraging investors to switch from variable income to lower risk assets.
- When the Selic rate goes down, it increases the attractiveness of variable income and investors’ appetite for risk, and may also make conditions in the real estate market more favorable.
Due to these market movements, investors need to be aware of what the interest rate perspectives will be and how this can affect their decisions when it comes to investing money.
1 – Spend less and invest more
The specialist says that the sign is to spend less and invest more. It is a time of investment possibilities, thinking of the Selic as a path of opportunity. When the Central Bank raises the basic interest rate, it is to contain inflation, therefore, assets that take advantage of these conditions can be beneficial.
2 – Diversify your portfolio to invest with Selic
Investing with the Selic rate high is a way of dealing with the restrictive economy we live in and still thinking regarding returns. “Compose a diversified portfolio and look for opportunities”, explains Rosseto. Assets that follow the IPCA, CDI and Selic guarantee attractive returns.
3 – Invest with a (reliable) professional
A market movement now is the migration from variable income to fixed income, precisely because it is more attractive under these conditions. But the investment star gives another tip: don’t wait for the moment to rise, draw up a strategy beforehand!
And the purse? Investing with the Selic high in variable income assets is not a problem, it can be a good move to ride the wave following the rate drops. However, count on a professional by your side to help you apply your money without taking too many risks.
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