In this scenario of falling stock market and real estate market and Central Bank having reduced the Selic rate to 3.75%, see how to know how and where to invest your money this year
Economic instability due to the spread of the coronavirus is currently significant, and the Monetary Policy Committee (COPOM) lowered the Selic rate to 3.75% last week. Many investors remain unsure whether and how to trade at this time.
This new Selic rate is still the lowest interest rate in history.
According to experts, it's important to be careful and attentive when making certain decisions. Before choosing an investment, they recommend carefully evaluating the investment index and taking into account the various possibilities for corrections, including zero percent gains or negative values.
What to do in the current scenario
With interest rates currently low, the Selic rate and the rates offered are likely to continue fluctuating in the coming weeks. "The 2-, 3-, and 4-year rates were low, around 4.5% per year. Today, there are 3-year Treasury Direct fixed-rate bonds trading at around 7%.", said Luís Barone, managing partner of Ativa Investimentos.
Luís emphasized that fixed-rate securities may offer a good foundation, but the current scenario is still unfavorable for capital migration. For Barone, the best option is to split the investment amounts, with options ranging from short-, medium-, and long-term.
“The investor first divides between CDI, fixed-rate, and inflation. Then, they add multimarket and variable-income funds. They complement this with foreign exchange. Diversification dilutes risk because the portfolio can respond to different scenarios. It remains balanced, experiences less abrupt fluctuations, and positive variations are more pronounced than negative ones," explained André Souza Fernandes of Ágora Investimentos.
André explained that investing in inflation-linked securities is currently the most appropriate option for those who continue to move resources in this area. According to André, rates become more stable, resulting in lower risk of loss.