Onde não investir na renda fixa no 2º trimestre de 2025

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Com expectativa de nova alta da Selic, especialistas alertam: nem toda renda fixa é boa escolha neste trimestre.

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Os títulos prefixados travam uma taxa de retorno. Assim, se a Selic continuar subindo, isso pode resultar em perdas para quem vender antes do vencimento, a chamada marcação a mercado.

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Com rendimento de 0,5% ao mês, a poupança fica muito atrás de CDBs e títulos do Tesouro Direto.

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Evite debêntures de empresas frágeis. Em ambiente de juros altos, o risco de inadimplência cresce significativamente.

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Fundos com taxa de 1% ao ano podem reduzir muito sua rentabilidade, além de sofrer com o come-cotas semestral.

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Alocação sugerida: 80% em pós-fixados e 20% em prefixados, respeitando perfil e objetivos do investidor.

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Prefixados, poupança, debêntures arriscadas e fundos caros devem ser evitados no 2º trimestre de 2025.

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