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With the Selic rate high and expected to reach 15.50% per year, fixed income investments have been attracting more and more investors. The security and profitability offered by assets such as Treasury Direct, debentures, and CDBs are driving their popularity, but some mistakes can compromise returns. XP Investments has warned about four common mistakes that should be avoided when investing in this asset class in 2025.
Although fixed income is a safe option, concentrating all resources in a single type of asset can limit gains and increase unnecessary risks. XP recommends that conservative investors allocate 87.5% of their portfolio to fixed income, while moderates should maintain 67.5%, and aggressive investors, 50%. This highlights the importance of distributing investments across different products to balance risk and return.
The rise in the Selic rate improves the nominal profitability of fixed income, but investors must consider the impact of inflation. If inflation rises rapidly, real gains can be reduced. Therefore, it is essential to analyze products that protect against loss of purchasing power, such as Treasury IPCA+ Bonds.
Investors who allocate funds to long-term products without financial planning may face difficulties. If they need to redeem before maturity, they may suffer losses or have to accept unfavorable conditions. Before investing, it is crucial to assess liquidity needs and diversify between short- and long-term bonds.
4. Not Assessing Credit Risk
While fixed income offers security, not all assets are risk-free. Investments in debentures or CDBs from smaller banks require credit risk analysis. To avoid losses, investors should seek assets with guarantees such as the FGC (Credit Guarantee Fund) and evaluate the financial health of the issuer.
