Ações ou renda fixa? Veja onde investir com a alta da Selic

Selic nas alturas

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O Comitê de Política Monetária (Copom), do Banco Central, decidiu elevar a taxa básica de juros (Selic) de 10,75% para 11,75%

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A escalada da taxa Selic tem feito investidores reverem suas carteiras de investimentos, pois os ativos de renda fixa estão se tornando cada vez mais atraentes

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Mas a renda variável também pode ser beneficiada pela alta da Selic. É o que dizem as recomendações da XP Investimentos

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Para a XP, os bancos são diretamente beneficiados por uma elevação da Selic devido à diferença entre o custo de captação e os juros cobrados dos clientes, diretamente atrelados ao spread bancário

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Os ativos de bancos negociados na Bolsa são: – Bradesco (BBDC4), – Santander (SANB11), – Itaú (ITUB4), – Banco do Brasil (BBAS3), – BTG Pactual (BPAC11), – Banco Inter (BIDI4), – Banrisul (BRSR6) – Banco Pan (BPAN4)

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Além deles, tem as seguradoras, que contam como fonte de renda as aplicações feitas, em grande parte, em renda fixa com rendimentos atrelados à Selic

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São exemplos de seguradoras na Bolsa: – BB Seguridade (BBSE3) – Caixa Seguridade (CXSE3) – Porto Seguro (PSSA3) – SulAmérica (SULA11) – IRB Brasil (IRBR3)

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Outro setor que tem chamado a atenção, pensando também na guerra na Ucrânia, é o segmento de commodities

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Rússia e Ucrânia são dois exportadores relevantes de commodities, de forma que a guerra reduz consideravelmente a demanda de petróleo, minério de ferro, níquel, milho e trigo, aumentando o patamar de seus preços

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Veja algumas ações negociadas na Bolsa ligadas à commodities: – Petrobras (PETR4) – PetroRio (PRIO3) – Vale (VALE3) – SLC Agrícola (SLCE3) – Klabin (KLBN11) – Boa Safra (SOJA3)

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Mas o ativo que tem roubado a atenção dos investidores com a escalada da Selic é a renda fixa. Isso porque até investimentos “mais simples” como a poupança tem demonstrado uma valorização com alta da taxa

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Confira a seguir uma estimativa dos rendimentos da renda fixa a partir de uma aplicação de R$ 5 mil por um ano

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Poupança: R$ 5.345,55 Tesouro Selic: R$ 5.544,09 CDB com Liquidez Diária (101% CDI): R$ 5.549,07 CDB de 1 ano (103% CDI): R$ 5.577,50 CDB IPCA + 5,85% a.a.: R$ 5.522,94

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Para o analista de soluções financeiras da Ativa Investimentos, Rodrigo Beresca, o título de renda fixa atrelado ao IPCA (inflação) é uma boa opção para se investir agora. Isso porque o investidor estará com o ativo protegido contra a inflação

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[{"selector":"#anim-5c6155f5-bf3b-4572-890c-6943da887368 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Arrasta para cima! Opening https://lp.suno.com.br/ebook-10-livros/