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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.
Brazilian inflation, measured by Broad National Consumer Price Index (IPCA), registered an increase 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.
In this scenario, experts point out the best investment options to protect your portfolio.
Fixed income gains prominence
With interest rates rising to curb inflation, fixed income securities tied to the CDI and IPCA+ are the favorites. Guilherme Suzuki, partner at Astra Capital, UOL, highlights that CDBs indexed to the CDI offer premiums of 8%.
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Already Treasury Direct bonds, such as IPCA+, offer returns of 6,70% above inflation, while fixed rates reach 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 on the market with returns of up to 11,50% per year, exempt from Income Tax.
However, he warns that fixed-rate bonds should have a maturity of two to three years, while post-fixed bonds can capture Selic rate hike cycles.
Defensive actions and strategies abroad
In the stock market, energy, banks and commodities are defensive options. Suzuki points out that mining companies like Vale and companies like Petrobras are good choices, especially for their dividend distribution.
Gold-linked companies like Aura also help protect against inflation.
For those looking to diversify internationally, Ruben Guerrero, CEO of Webull Brasil, 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, reinforces the importance of diversifying investments in assets abroad. “Brazil represents less than 2% of the world's investable assets. Having a considerable portion in strong currencies is essential"He says.
Kátia Margareth, from One Investimentos, warns that the choice of indexes must consider the objective of the investment, be it the purchase of a property, emergency reserve or retirement.
With this definition, it is possible to adjust investments to the desired time horizon.
Care and future projections
Balotari points out that credit risk and mark-to-market are important factors in fixed income. In stocks, the focus should be on margins and company growth. In investment funds, the manager's track record is crucial.
The Central Bank predicts inflation 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 risks and projections is essential to protect your investments.
0,37% above the target ceiling and all this desperation? This site was bought by pocket minions…
This inflation in the supermarket is much higher… why is that?