Investing in fixed income - Are pre-fixed and riskier issuers attractive in 2024?

In the current economic scenario, investing in fixed income has proven to be an interesting option for many investors.

Investing in fixed income is a popular option for many investors, especially those seeking a more conservative and predictable approach.

With fluctuations in the variable income market and uncertainty regarding the direction of the economy, the stability and predictability offered by fixed income investments have attracted attention.

Among the available options, pre-fixed securities and riskier issuers have stood out as attractive for 2024.

Investing in fixed income – Pre-fixed securities

As the name suggests, they have a fixed rate of return already established at the time of purchasing the security.

This means that the investor has the security of knowing exactly how much he will receive when the bond matures, allowing for more accurate planning of his finances.

With the prospect of a possible increase in the basic interest rate (Selic) throughout 2024, pre-fixed bonds become even more interesting,

They offer the possibility of guaranteeing an attractive rate of return before interest rates rise.

Furthermore, riskier issuers, such as corporate debentures and government debt securities from emerging countries, have also caught the attention of investors.

Although they offer potentially greater profitability than bonds from lower-risk issuers, such as the federal government, these assets tend to require greater analysis and monitoring capacity on the part of the investor.

However, considering the economic recovery scenario and the prospects for fiscal improvements in several emerging countries, investors have seen interesting opportunities in this segment.

Investing in pre-fixed securities

To invest in pre-fixed securities and riskier issuers, investors can use various investment vehicles, such as investment funds and online investment platforms.

Portfolio diversification is essential to mitigate risks and find the best opportunities in fixed income.

One possibility is to invest in fixed income funds that focus on pre-fixed securities and riskier issuers.

These funds are managed by professionals qualified to carry out the analysis and selection of the most suitable assets, offering convenience and expertise to investors.

Furthermore, online investment platforms have gained prominence due to the ease of access and diversification they provide to investors.

An alternative is to use investment robots that automatically allocate resources into pre-fixed securities and riskier issuers, according to the investor's profile and objectives.

These platforms offer a user-friendly and transparent experience, facilitating investment decisions.

Important points about investing in fixed income

1. Understand what fixed income is:
   • Investing in fixed income means lending money to an entity (such as a government, bank or company) in exchange for interest over time. Fixed income securities include CDBs, Tesouro Direto, debentures, among others.
2. Discover the types of titles:
   • There are different types of fixed income securities, each with specific characteristics. Some have short maturities, such as daily liquidity CDBs, while others have longer maturities, such as Treasury bonds.
3. Assess the risk profile:
   • Despite being considered lower risk investments compared to stocks, fixed income securities also have different levels of risk. Assess your own risk profile and financial goals when choosing bonds

Evaluation of the Apps or Websites mentioned:
– Investment funds: XP Investimentos (4.8/5 stars on Google Play)
– Online investment platforms: Warren (4.7/5 stars on Google Play)
– Investment robots: Monetus (4.5/5 stars on Google Play)

Conclusion

Therefore, given the prospects for 2024, pre-fixed bonds and riskier issuers are attractive to investors interested in fixed income.

The combination of attractive rates of return and the possibility of diversification has driven interest in these assets, which are an interesting option for composing a balanced and profitable investment portfolio.

Before making any investment, it is always advisable to seek financial advice from a professional and ensure that you fully understand the risks and benefits associated with fixed income products available on the market.