Fundos de Renda Fixa: como eles se diferem dos outros tipos de investimento

Fundos de Investimento Suno Notícias 3 de fevereiro, 2023

O mercado de fundos de investimentos é imenso e possui uma grande variedade de ativos, sendo o mais comum os Fundos de Renda fixa.

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Os fundos de renda fixa são aqueles que buscam recursos no mercado para alocar em ativos de renda fixa.

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Por essa característica, eles são os mais seguros entre os fundos, investindo no mínimo 80% do seu PL em ativos atrelados a Selic ou outros índices.

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Os fundos de renda fixa são extremamente conservadores e tem uma grande facilidade de acesso.

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Exemplo disso são os Fundos referenciados, que dispensam o perfil termo de adesão ao risco.

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Além disso, são super diversificados, apresentam baixo risco e possuem uma gestão dos ativos realizada por profissionais.

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Do mesmo modo que esses fundos apresentam baixo risco, também irão apresentar baixa rentabilidade.

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Soma-se a isso, os custos, principalmente as taxas de administração que corroem a rentabilidade.

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Os Fundos de Renda Fixa se diferem muito dos demais no que diz respeito a rigidez e, principalmente a rentabilidade.

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Assim, o investidor deve entender que nesses fundos não terá altas rentabilidades, como ocorre em fundos de ações e multimercados.

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Independente do seu perfil de investidor, possuir uma parcela segura e com liquidez é fundamental.

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Dessa maneira, se você é conservador e não quer correr riscos, eles são perfeitos.

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Por outro lado, se você é arrojado, não irá alocar grandes volumes nesses fundos, uma vez que busca maiores rentabilidades.

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Portanto, os Fundos de Renda Fixa podem fazer parte de todos os portfólios, com percentuais diferentes a depender do perfil.

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Confira mais stories do grupo suno:

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