If you have money saved, and you want to invest but don't know where, today we will mention the best risk-free investments.
There are several investment possibilities, however, not all of them are safe, and some of them have a lot of risks.
Due to the many frauds, doubts take over the minds of those who want to start investing.
Anyway, if you are interested in investing your money, stay tuned for the next paragraphs where we will mention the best risk-free investments.
Paid Digital Accounts
What can be done with just 10 reais? Very few things, right? Well, these 10 reais are enough to start investing in paid digital accounts.
PicPay, Nubank It is Pagbank are some of the examples that can be invested in paid digital accounts.
However, all these accounts pay 100% of the CDI (Interbank Deposit Certificates). In other words, they yield 100% more of your invested money.
Furthermore, it is possible to move the account quickly and safely.
Remembering that, whether it yields little or not, it is still yielding. So, here’s a tip to start investing as soon as possible.
Selic Treasury
What is it treasure direct?? Direct Treasury It's nothing more than you lending money to the government, and the government paying you back with interest.
At least 40% of what we earn goes to the government through taxes. So, lending money to the government to receive something in return, in this case interest, is not a bad idea.
Furthermore, Selic Treasury It is the most recommended for emergency reserves. Well, it follows the Selic rate.
With this, it doesn't just provide payment at the end of the year, it pays you a fraction of the Selic rate every day.
However, the Selic Treasury It only pays on weekdays, not on weekends.
And you may be wondering, why Selic Treasury It is the most recommended for emergency reserves. Because the Selic Treasury It's the only one where you can take your money out before maturity, without the risks and losing money.
IPCA Treasury
IPCA Treasury It is recommended for investors who opt for long-term returns.
So, regardless of inflation, the government's long-term plans IPCA treasure, allow you to be sure that at the end of the term, your money will always be above inflation.
However, the IPCA Treasury It's for you who have a project due at the end of the year.
So, it is very useful for investing in your children's college education, or having money for your child when he is 18 years old.
And, have money saved for your retirement. Remembering that, in 2021, the largest private pensions in Brazil paid less than the CDI.
So, if you are prepared, betting on IPCA Treasury, you will have a much more peaceful and enriched future.
Prefixed CBD
Prefixed CBDs They pay a lot of money, even much more than savings. However, it can only be found in stock brokers.
Furthermore, CBDs In general, there is a guarantee FGC (Credit Guarantee Fund). So, if there is a promise of a percentage, when a loan is made to a bank and it is not fulfilled. O FGC pays back all the money borrowed, plus the interest promised for that period.
News
Remembering that, the protection is for amounts of up to 250 thousand per CPF and per financial institution.
Conclusion
With all these tips, we hope we can help you choose the best risk-free investments existing on the market.
