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Discover The Best Strategies To Protect Your Investments From Inflation, Maintaining The Purchasing Power Of Your Money And Ensuring Financial Security In Times Of Rising Prices.
The Brazilian inflation, measured by the Broad Consumer Price Index (IPCA), recorded a rise of 0.39% in November. In the last 12 months, the index has accumulated 4.87%, above the ceiling of the 3% target set by the Central Bank (BC), which allows a margin of 1.5 percentage points.
Amid this scenario, experts point out the best investment options to protect your portfolio.
Fixed Income Gains Prominence
With the increase in interest rates to curb inflation, fixed income securities linked to the CDI and IPCA+ are the favorites. Guilherme Suzuki, partner at Astra Capital, told UOL, that CDBs indexed to the CDI offer yields of 8%.
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The rise in interest rates in the U.S., to contain local inflation, is expected to accentuate the ‘flight’ of foreign capital from the Brazilian stock market, in addition to appreciating the dollar against the real, thereby also putting pressure on prices in the Brazilian economy.
Already, Treasury Direct securities, such as IPCA+, offer returns of 6.70% above inflation, while fixed-rate bonds reach up to 12.70%.
José Augusto Balotari, from Manchester Investimentos, suggests diversifying with private credit securities, such as debentures, CRIs, CRAs, LCIs, and LCAs. Currently, there are LCIs and LCAs in the market with returns of up to 11.50% per year, exempt from Income Tax.
However, he warns that fixed-rate bonds should have maturities of two to three years, while post-fixed bonds can capture cycles of rising Selic.
Defensive Stocks And Strategies Abroad
In the stock market, energy, banks, and commodities are defensive options. Suzuki points out that mining companies like Vale and firms like Petrobras are good picks, especially for their dividend distribution.
Companies linked to gold, such as Aura, also help protect against inflation.
For those looking to diversify internationally, Ruben Guerrero, CEO of Webull Brazil, recommends technology stocks, such as Apple, Amazon, Microsoft, and Nvidia.
Gerson Brilhante, analyst at Levante Inside Corp, adds that ETFs are interesting alternatives to reduce risks and vary the portfolio.
Diversification Is Essential
André Leite, from TAG Investimentos, emphasizes the importance of diversifying investments in foreign assets. “Brazil represents less than 2% of investable assets worldwide. Having a considerable portion in strong currencies is essential,” he states.
Kátia Margareth, from One Investimentos, warns that the choice of indexers should consider the investment objective, whether it is buying a property, creating an emergency fund, or retirement.
With this definition, it is possible to adjust investments to the desired time horizon.
Care And Future Projections
Balotari reminds us that credit risk and market marking are important factors in fixed income. In stocks, the focus should be on margins and company growth. For investment funds, the manager’s track record is crucial.
The Central Bank forecasts an inflation rate of 4.59% for 2024, reducing to 4.03% in 2025 and 3.61% in 2026.
As a result, assets linked to interest rates or inflation may lose profitability. Assessing the risks and projections is essential to protect your investments.
Essa inflação, no supermercado é bem maior… porquê será?
0,37% acima do teto da meta e esse desespero todo? Esse site foi comprado por bolso mínions…