What is the Best Fixed Income Investment Today?


Investing in fixed income is a popular choice among investors looking for security and predictable returns. In this article, we'll explore some of the best fixed income investment options currently available, taking into account different investor profiles and financial objectives. We'll see which is the best fixed-income investment today, highlighting its characteristics, advantages and important considerations when choosing where to invest your money.

What é Fixed Income?

Fixed income refers to investments where the form of remuneration or return is known at the time of application. This means that the investor has greater predictability about how much they will receive at the end of the investment period. Examples of fixed income products are public bonds, CDBs, LCIs, LCAs, among others.

What is the Best Fixed Income Investment Today?

Selic Treasury

The Selic Treasury is a public bond issued by the National Treasury and is considered one of the safest investments on the market. It follows the basic interest rate (Selic), offering daily returns and immediate liquidity. It is ideal for those looking to preserve capital and have the availability to redeem their money at any time.

CDBs (Certificados de Depósito Bancário)

CDBs are securities issued by banks to raise funds. They can be fixed or fixed-rate and offer attractive returns, generally higher than those of the Selic Treasury. They are guaranteed by the Fundo Garantidor de Créditos (FGC) up to R$ 250,000 per individual and per financial institution.

LCIs (Letras de Crédito Imobiliário) and LCAs (Letras de Crédito do Agronegócio)


LCIs and LCAs are fixed-income securities exempt from income tax for individuals. LCIs are backed by real estate financing, while LCAs are backed by agribusiness operations. Both offer good profitability and security, making them a great option for diversifying your portfolio.

Fixed Income Funds

Fixed Income Funds invest mostly in low-risk public and private bonds. They are an interesting alternative for those who prefer to delegate investment management to a qualified professional. It is important to evaluate the management fees and the fund's history of profitability when choosing this type of fund.

How to Choose the Best Fixed Income Investment?

Assess Your Investor Profile

Before deciding where to invest, it is essential to know your investor profile. Evaluate your risk tolerance, financial objectives and investment horizon to choose the product that best suits your needs.

Consider the Investment Timeframe

The investment period is another crucial aspect when choosing the best fixed income investment. Some products are better suited to shorter terms, while others are suitable for medium- and long-term investments.

Compare Returns and Costs

Compare the rates of return offered by different fixed-income investments and take into account the costs involved, such as management fees and taxes, which can significantly impact the net profitability of the investment.


Investing in fixed income offers security, predictable returns and is an excellent way to diversify your investment portfolio. In this article, we highlight some of the best fixed income investment options today, such as the Selic Treasury, CDBs, LCIs, LCAs and Fixed Income Funds. When choosing where to invest your money, always consider your investor profile, investment period and financial objectives. With a well-planned strategy, you can achieve your short-, medium- and long-term financial goals with peace of mind and security.