2023-06-26 11:00:05
Even though the meeting had not yet taken place, the market already had expectations of what might happen. Most projections foresee that the Committee will make the first reduction in the basic rate only in August, by 0.25 percentage points (pp).
“The Committee assesses that the situation demands patience and serenity in the conduct of monetary policy and recalls that future steps of monetary policy will depend on the evolution of inflationary dynamics, in particular on the most sensitive components of monetary policy and economic activity, on inflation expectations , in particular longer-term ones, its inflation projections, the output gap and the balance of risks,” said the Copom in the document.
With the Selic rate today, where to invest?
Our Selic level is not all bad news, if you know how to take advantage of opportunities, something we can help you with, especially alongside the right investment advice. Also because, since the interest rate went back to two digits, fixed income has been required once more.
The long term is the ally of those who want to invest in securities. Since the Central Bank is close to ending the monetary tightening cycle, the estimate is that the IPCA will be lower and lower. So it’s worth giving a chance to fixed rate and post-fixed rates in the secondary market. The profitability of the Prefixed Treasury, with the Selic at 13.75% per year, determined when the bond is contracted, is already very attractive.
See the ranking of the most sought following investments:
CDBs Treasury Direct LC/RDB LCI/LCA Free shares Equity funds Debentures Real estate funds (FIIs) Multimarket funds Index funds (ETFs)
Tips for investing with Selic at 13.75%
The Selic rate today is 13.75%, so how to invest? Well, fixed income gains strength and many investors are afraid to put money in variable income investments.
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?
The changes impact several 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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Want to know more regarding the market and its opportunities? Get in touch with us from Renova Invest!
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