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With the Selic at 15%, Conservative Investments Gain Attention Again — See Which Yield More and How to Take Advantage.
The Monetary Policy Committee (COPOM) raised the Selic rate from 14.75% to 15% per year. The increase of 0.25 percentage points marks what many experts believe to be the peak of the current cycle.
The trend for the coming months, according to the Central Bank’s Focus report, is a decrease. The market expects the Selic to end the year again at 14.75% and reach 12.5% in 2026.
However, while the rate remains at its highest level in two decades, investors have a rare window to profit from fixed income.
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With this new rate, good opportunities arise with daily liquidity and guarantee from the FGC (Credit Guarantee Fund), as well as practical simulations to help those considering investing.
Comparison with Savings
Before presenting the best investments of the moment, it is important to make a comparison with savings.
Even being tax-free, it yields only 0.5% per month plus the TR (Reference Rate). This amounts to about 7.4% per year.
Moreover, savings only yield every complete 30 days and do not follow the performance of the Selic. Those who leave R$ 10,000 invested for a year will have about R$ 10,740 at the end.
Simulations and Methodology
The simulations consider an initial investment of R$ 10,000 with the Selic at 15% per year and CDI at 14.9%.
The income tax discount at the rate of 17.5% was applied, valid for investments of 1 year.
All the listed investments have daily liquidity and FGC guarantee. Promotional products with limiting rules are excluded from the list.
Treasury Selic, CDBs, and Accounts that Pay 100% of CDI
Even being in the last position, this group still significantly outperforms savings.
At the end of one year, the investor would have R$ 11,229 net. This includes Treasury Selic, CDBs with daily liquidity from traditional banks, and accounts like Nubank.
CDB from Banco Pan — 102% of CDI
With a minimum investment of R$ 5 and a maturity of one year, the net return is R$ 11,253. A gain higher than the previous one with a low entry amount.
CDB from Banco ABC Brasil — 102% of CDI
Pays the same percentage as Banco Pan, but with a maturity of two years. This allows for a lower tax rate if held until the end. However, if redeemed after a year, the amount will also be R$ 11,253.
CDB from Mercado Pago — 102% of CDI
Has a minimum entry of just R$ 1 and also a two-year term. Same yield: R$ 11,253 net. Here, turbocharged investments with promotional rules are not considered.
Piggy Banks from PicPay — 102% of CDI
With a minimum investment of R$ 1 and a maturity of three years, the piggy banks offer the same yield of R$ 11,253 after one year. The advantage here is the easy access via the app.
Place: CDB from PagBank — 103% of CDI
By paying a little more, PagBank delivers R$ 11,266 at the end of one year. The minimum investment is also just R$ 1, with a maturity of two years.
Place: CDB from Banco Sofisa Direto — 105% of CDI
The minimum investment is R$ 1, with a term of three years. After 12 months, the net amount reaches R$ 11,290. Sofisa has also started to offer securities from other banks on its platform and improved its app, responding to previous criticisms.
CDB from Banco BMG — 107% of CDI
Even without an additional bonus, BMG’s CDB leads the ranking with R$ 11,315 net after one year. The minimum amount is R$ 50, with a maturity of three years. Despite the leadership, if the investor takes advantage of Daicoval’s promotion, the final return will be even better.
Importance of Diversification
Even with the opportunities in fixed income, the creator of the ranking emphasizes that it is essential to maintain a diversified portfolio. Real estate funds, stocks, international assets, and even cryptocurrencies should make up the portfolio of those seeking protection and long-term growth.
The Selic rate at 15% opens a rare opportunity for Brazilians to increase their earnings securely. As long as this scenario lasts, fixed income proves to be highly advantageous.
However, with expectations of a decrease in the coming months, the ideal is to act quickly and with planning. And those who still have money in savings may be missing a good opportunity to improve their earnings.
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