Selic a 14,75%: onde investir agora?

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A taxa Selic alcançou 14,75% ao ano. Especialistas preveem o fim desse ciclo de alta, assim como o Comitê de Política Monetária.

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O JPMorgan, por exemplo, prevê queda da Selic para 9,75% até dezembro de 2026.

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Analistas sugerem investimentos prefixados de prazos mais longos.

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As opções prefixadas permitem aos investidores manter as taxas altas até o vencimento do título.

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Letras do Tesouro Nacional (LTN) e títulos de crédito privado são as principais oportunidades na renda fixa prefixada.

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Títulos privados como CRIs, CRAs e debêntures possuem risco maior, mas podem oferecer retornos mais altos.

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Com o fim do ciclo de alta no horizonte, investidores podem aproveitar as taxas prefixadas para garantir ganhos futuros.

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Títulos com vencimentos acima de dois anos são as opções mais interessantes, com rendimentos de 11% a 12%.

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LCA e LCI são vantajosas, pois se beneficiam do ciclo de alta e são isentas de Imposto de Renda.

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Pós-fixados sofrem com a queda da Selic. Porém, são boas opções para quem pode carregá-los até o vencimento.

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