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With High-Interest Rates, Fixed Income Remains Attractive with CDB, LCI, and LCA Available on the XP Platform.
Fixed income has regained the attention of Brazilian investors this Monday (19), when the XP platform started offering CDBs, LCIs, and LCAs with interest rates considered attractive.
This movement occurs in a moment of uncertainty about the start of the Selic cut cycle, after economic data above expectations reinforced the perception of resilient activity in the country.
In practice, the banking products available today reflect a scenario in which banks seek to raise funds by offering high returns, while investors look for predictability and protection in an environment of still high-interest rates.
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Thus, fixed income continues to be one of the main alternatives for those prioritizing security and real returns.
Fixed Income Today: CDB Leads Among Options with Highest Returns
Among the highlights of fixed income, CDBs (Certificates of Bank Deposit) stand out for the rates offered.
On the XP platform, there are fixed-rate securities paying up to 14.210% annually for investments maturing in 12 months. In addition, inflation-linked bonds reach IPCA + 8.450% in one year, while post-fixed securities achieve up to 103% of the CDI in the same term.
This performance makes CDB a relevant option for investors willing to keep their money invested until maturity in exchange for more significant returns.
As these securities have the protection of the Credit Guarantee Fund (FGC), up to the legal limit, the perceived risk tends to be lower.
LCAs Attract Investors with Income Tax Exemption
LCAs (Agribusiness Credit Letters) also stand out in the current fixed income scenario.
The fixed rates reach 11.350% annually for terms longer than 12 months. Meanwhile, the post-fixed LCAs offer up to 86.6% of the CDI for one-year investments.
One of the main attractions of this type of investment is the exemption from Income Tax for individuals, which increases the net return.
Therefore, even with nominal rates lower than those of CDBs, LCAs remain competitive when considering the final gain for the investor.
LCI Maintains Space in Fixed Income with Focus on Inflation Protection
LCIs (Real Estate Credit Letters) complete the set of fixed income alternatives available. The inflation-linked securities pay up to IPCA + 6.00% for terms longer than one year.
Meanwhile, the post-fixed LCIs reach up to 96% of the CDI for maturities longer than 12 months.
Like LCAs, LCIs are exempt from Income Tax for individuals, which explains their popularity during periods of high-interest rates.
Moreover, they tend to attract investors who seek a balance between inflation protection and predictability.
Examples of CDBs Available on XP
Among the highlighted CDB options on the platform are:
The CDB Banco C6: pays 101.5% of the CDI, maturing in January 2028.
CDB Agoracred: offers 108% of the CDI, maturing in February 2029.
CDB Original: pays 106% of the CDI, maturing in December 2030.
These products illustrate how banking fixed income remains diversified, allowing the investor to choose terms and levels of profitability according to their profile.
Interest Rates Rise with Stronger Economic Data
The context of high interest rates is directly linked to the behavior of the future interest rate curve.
On Friday (16), DI contracts closed moderately higher after the release of the Economic Activity Index (IBC-Br), which came in above expectations.
Released by the Central Bank, the IBC-Br advanced 0.7% in November, surpassing the median projection of 0.30% obtained in a Reuters survey.
The result was interpreted as a sign of more resilient activity, which reduces, in the short term, the room for cuts in the Selic rate.
External Scenario and Politics Also Influence Fixed Income
In addition to the domestic environment, external factors pressured rates.
In the United States, Treasury yields rose, with the two-year bond advancing to 3.599% and the ten-year bond to 4.233%, reinforcing the upward bias in the Brazilian curve.
Meanwhile, the market followed statements from President Luiz Inácio Lula da Silva about the Mercosur strategy to expand trade agreements, just before the signing of the treaty with the European Union.
This political context also contributes to investor caution.
See more at: Fixed Income Today: See What CDB, LCI, and LCA Rates Are This Monday (19) on XP
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