The investment in CDBs prefixes offers carry rates of around 15% per annum in early June.
After all, investors still have time to take advantage of the best opportunities in fixed income in 2023, according to the BTG Pactual.
In this way, those who have more appetite for risk in search of profit well above the CDI (Selic) must hold a position in prefixes.
“One duration of two and a half years for prefixes is adequate, performing better than the CDI throughout the year“, says the bank, in a report sent to customers.
Therefore, those who lend their money to banks with CDBs still have room to gain from the drop in break-even inflation.
In other words, this means that the market has not yet precisely priced the level of interest in the future.
That is, the DI contracts should continue to fall below the screen price, as explained by Matheus Spiess, an investment specialist at Empiricus Researchat the Market Turnover this Wednesday (7).
CDBs for the short term
O Money Times found that CDBs prefixed with the rates more expressive in the primary and secondary markets of fixed income revolved around 15% per year.
This considering titles with maturity dates close to two and a half years for redemptionaccording to data from TradeMap.
| Investment | Profitability | charge rate | Minimum contribution (BRL) | Broker |
|---|---|---|---|---|
| CDB – C6 Bank | 12.49% | 14.85% per year (prefixed) | 5,000.00 | Modal More |
| Maturity | gain in CBD (R$) | Gain in Savings (BRL) | Income Tax Rate |
|---|---|---|---|
| 7,125.10 | 6,349.47 | 15% |
| Investment | Profitability | charge rate | Minimum contribution (BRL) | Broker |
|---|---|---|---|---|
| CDB – NBC Bank | 12.40% | 14.74% per year (prefixed) | 1,000.00 | Toro Investimentos |
| Maturity | gain in CBD (R$) | Gain in Savings (BRL) | Income Tax Rate |
|---|---|---|---|
| 7,110.70 | 6,351.52 | 15% |
| Investment | Profitability | charge rate | Minimum contribution (BRL) | Broker |
|---|---|---|---|---|
| CDB – Banco Pine | 12.26% | 14.54% per year (prefixed) | 1,000.00 | MyCap Investimentos |
| Maturity | gain in CBD (R$) | Gain in Savings (BRL) | Income Tax Rate |
|---|---|---|---|
| 1,414.57 | 1,256.81 | 15% |
| Investment | Profitability | charge rate | Minimum contribution (BRL) | Broker |
|---|---|---|---|---|
| CDB – Banco Pine | 12.70% | 15.10% per year (prefixed) | 1,000.00 | Investment Guide |
| Maturity | gain in CBD (R$) | Gain in Savings (BRL) | Income Tax Rate |
|---|---|---|---|
| 1,517.45 | 1,315.15 | 15% |
*Prices and rates of CDBs were consulted this Wednesday (7).
Source: Moneytimes
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