Taking care of our financial health is as important as taking care of our physical and mind. You need to control your budget , spend less than you earn and always invest a little, according to your profile and goals. This is the best way to get your projects off the ground and ensure a peaceful future. But where to invest your money over a longer period of time? What are the best long-term investments ? How to choose?
The answer is: it depends on your profile and your goals . That said, there are several interesting long-term applications. And one of the advantages is that, in these cases, it is possible to obtain higher returns because you can take a little more risk.
We’ve separated 8 of these options for you to know. Check out!
Contents [ hide ]
- 1 LCIs and LCAs
- 2 CDBs
- 3 Direct Treasure
- 4 Debentures
- 5 Actions
- 6 Real estate funds
- 7 Multimarket Funds
- 8 Pension Funds
1. LCIs and LCAs
LCIs (Letters of Real Estate Credit) and LCAs (Letters of Credit for Agribusiness) are fixed-income securities issued by banks . The difference is that the money raised through LCIs is destined to finance the real estate market, while that from LCAs goes to agribusiness.
One of the great attractions of LCIs and LCAs is that they are exempt from income tax . In practice, this can mean higher yields. It is worth remembering that the investment income is usually directly proportional to the time the money remains invested .
LCIs and LCAs can be prefixed or postfixed . In this case, most are indexed to the CDI (Certificate of Interbank Deposits). They can also be hybrid , that is, with one part prefixed and the other postfixed. Thus, it is more common for the post-fixed part to be linked to the IPCA, the country’s official inflation index.
CDBs, or Bank Deposit Certificates , are also fixed-income securities issued by banks, and can also be pre- or post-fixed. The most common is that they are linked to the CDI. CDBs that offer higher returns usually have longer investment terms and are often not from large banks.
Unlike LCIs and LCAs, CDBs are subject to taxation . Income Tax follows the regressive table that is adopted for most fixed income investments. It starts with a rate of 22.5% for investments with a term of up to 180. Then, it decreases until it reaches a minimum of 15%, when the money remains invested for more than 720 days.
3. Direct Treasure
The Treasury Direct is the program through which the National Treasury allows Individuals to invest in federal government bonds . We currently have three types of titles:
- Selic Treasury : is a post-fixed security, whose yield follows the Selic rate , the country’s basic interest rate;
- Prefixed Treasury : it is a prefixed bond; that is, when applying, the person knows exactly how much he will receive when the title matures;
- Treasury IPCA+ : is a hybrid security, with a fixed portion and the other linked to the IPCA.
For the long term, the most suitable bond is the IPCA+ Treasury , precisely because it guarantees a higher yield than inflation. But it is necessary to be careful, because the income is guaranteed only for those who remain with the application until maturity. The taxation of bonds follows the same rule of the CDBs .
The debentures are debt securities issued by companies and offered as a fixed income application. They can also be floating-rate, normally indexed to the CDI, or hybrid, with the floating-rate portion pegged to the CDI or IPCA.
They are among the best opportunities to earn higher incomes . The other side of the coin is that the risk can also be greater . Therefore, it is very important to observe the quality and solidity of the company issuing the debenture.
Another point of attention is that some debentures may not have liquidity . This means that if you want to get rid of the investment before it matures, you may struggle or need to sell at a large devaluation.
In general, the debentures follow the taxation of other fixed income investments , such as CDBs. However, there is a special category, incentive debentures, which are exempt from income tax . They are issued by infrastructure companies, to which the government gave this exemption as an incentive for them to be able to carry out essential works for the country.
Yes, stocks are a risky investment. If you are thinking about long-term investments, consider allocating a portion of your portfolio to the stock market to buy stocks or invest in funds . Even because, in the long term, the risks are diluted .
If you bought stocks piecemeal over the last 20 or 30 years, you probably had a good return, because that eliminates short-term swings. Therefore, purchases must be made gradually, forming an average price for the shares. In addition, the shares are exempt from Income Tax if the sum of sales in the month does not exceed R$ 20 thousand.
6. Real estate funds
Real estate funds are a very interesting option for those looking for an investment for income. Investing in real estate funds is a way to invest in real estate with less risk than when buying a property .
That’s because you can have a real estate portfolio with a single application. If a property becomes vacant or the tenant doesn’t pay, your income may even drop. But it doesn’t go to zero, like when you own a rental property.
In addition, you can buy little by little , without having to incur debt to do so. Real estate funds pay periodic income to shareholders, often monthly or semi-annually, depending on the fund’s policy. These incomes are exempt from income tax , which is always attractive.
On the other hand, the shares of real estate funds are traded on the stock exchange , and not everyone has good liquidity. This means that you may have to sell for less than you expected if you are in a hurry to get rid of the deal.
7. Multimarket funds
The great advantage of multimarket funds, as obvious as it may seem, is that they can invest the shareholders’ money in different markets . This gives the manager much more freedom to look for earning opportunities considering market conditions. This means that he can win even in times of crisis.
Here, the point of attention is that the fund’s result will depend much more on the manager’s skill . Therefore, it is worth looking at the fund’s performance history . Rather, look at a longer history to see how it fared in earlier times of economic stress.
8. Pension Funds
Pension funds work similarly to other investment funds. Each investor owns a share of the fund’s total assets and receives returns proportional to the money deposited over time.
It is important to evaluate the fund’s strategy before hiring it because the composition of fixed income and variable income can change a lot. Some pension funds have up to 70% variable income in their composition.
As with other long-term investments, taxation is reduced according to how long the money is invested and can reach 10% after 10 years on the regressive table. In addition, PGBL plans offer the possibility of deducting up to 12% of gross annual income in Income Tax.
Another advantageous difference of pension funds is that they are separated into two stages: accumulation and usufruct. And in this final phase you can choose to receive the amount at once, monthly for a specified period or for life.
Now you know some good options to ensure a peaceful future. It is worth stressing that there is no such thing as the best long-term investment . There is the ideal for you, taking into account your investor profile and your goals. Also remember the importance of diversification , as a way to dilute risks and maximize the chances of gains. Leverage your new knowledge and create a custom investment plan for yourself right now!