Perhaps you are asking yourself: should I leave the fixed income or not? Today we are going to present 3 reasons that will convince you to migrate from the traditional financial market to the financial market of alternative assets! Continue reading the article below and find out what the reasons are!
Very Low-Interest Rates
The basic interest rate, or SELIC, is at 4.5% per year. Savings, which yield 70% of inflation plus the Reference Rate, will yield 3.15% in 2020, against expected inflation of 3.5%. The most popular investment in Brazil will have a negative return, a reality that until recently seemed unthinkable, which we only heard about in countries like Japan and Sweden.
Even bonds that pay 150% of the CDI, rare, and among the most coveted in the market, will yield only 6.6% in 2020. Considering the 3.5% inflation, we have a real yield of 3% per year, or 0, 25% per month. To put this in perspective, someone with equity of R $ 1 million, a difficult objective, would have an income of only R $ 2,500 per month.
With interest rates on a fixed income so low, it is advisable that the investor reduce the percentage of their investments in this modality. Of course, without completely eliminating fixed income from the portfolio and always with balance. The best option for day-to-day money are still investments from the CDI, and the purchase of long-term bonds linked to the CDI can yield good results as the interest rate rises again.
Best Safe Options
In the X-ray of the Brazilian Investor, ANBIMA found that 48% of Brazilians prefer the security of an investment over the income. Many perceive savings as the safest investment, and that is why there is resistance to leaving the modality. However, in 2020, extremely safe and high-performance alternatives emerge.
The writ of tokens, for example, give the investor return of more than 15% per year. As they are public debts, the big risk is late payment, but even in the pessimistic scenarios, tokens exceed the CDI by more than 200%. They are solid investments, with characteristics very similar to fixed income. As they have a slightly higher degree of risk, the ideal is for the investor to allocate a portion of what he previously allocated to fixed income and invest in precatory. In addition, we are the only platform on which this type of investment has liquidity since the investor can leave his position or buy more tokens at any time.
Rising Variable Income
For the more daring, there is also the option of increasing the allocation in pure variable income. The moment is one of the best in recent times - the stock rose 32% in 2019, the best result since 2016. Of course, we cannot forget about cryptocurrencies yet - only in 2019 did we see Bitcoin rise almost 100%. Other cryptocurrencies, like Litecoin, had a 41% return. We expect the trend to continue, as the year 2020 is very promising for cryptocurrencies. We have events such as halving, the prospect of launching the first digital currency from a central bank and others, which you can check out in our 2020 Outlook.
