The Copom's decision to reduce the Selic rate to 14.75% continues to favor fixed income investments, particularly post-fixed and inflation-indexed securities, according to experts.
The recent decision by the Copom (Monetary Policy Committee) to lower the Selic rate by 0.25 percentage points to 14.75% per year is seen as beneficial for fixed income investments in Brazil. Experts highlighted that this is the first cut since May 2024, signaling a trend that favors post-fixed securities and those indexed to inflation. Despite the cut, investments tied to Selic or the CDI (Interbank Deposit Certificate) remain appealing, showcasing resilience and ongoing interest from investors.
Analysts suggest that even with decreasing interest rates, investors should not rush to shift from post-fixed investments to other assets. The characteristics of these post-fixed investments, which align with Selic or the CDI, mitigate sensitivity to short-term fluctuations in the basic rate. This strategic positioning allows investors to maintain stability and potential growth amid changing economic conditions.
Rafael Winalda, an expert from Banco Inter, emphasized that the downward trend in the interest rates does not mean an immediate need for investors to abandon their post-fixed assets. The sustained attractiveness of inflation-indexed assets also points to the high rates of inflation prevailing in the country, indicating that fixed income investments still hold value in a context of fluctuating economic parameters.
