Profitability of Financial Products:
Have you ever wondered why some people manage to make money while others always seem to be in the same place? The answer lies in the intelligent choice of financial products and the correct understanding of returns. In this article, we'll explore everything you need to know about the profitability of the main investments available on the market today.
5/6/20252 min read
What does financial return really mean?
The return on an investment goes far beyond the simple percentage announced. It represents how much your money grows over a given period, taking into account various factors such as risk, liquidity and taxation.
To understand this better, imagine you have R$10,000 to invest. Depending on the financial product you choose, this amount could turn into R$11,000 or even R$15,000 in a year. The difference lies precisely in the type of investment you choose.
Main financial products and their potential returns
Fixed Income: Security with predictability
Fixed income remains the safe haven for many investors. With the Selic rate at attractive levels, options such as:
- CDBs: Offer returns of between 100% and 120% of the CDI, with annual returns that can exceed 12% in medium-sized banks.
- Tesouro Direto (Direct Treasury): The highlight is the Tesouro IPCA+ (IPCA+ Treasury), which offers protection against inflation plus a fixed rate
- LCIs and LCAs: In addition to income tax exemption, they offer returns close to 90-95% of the CDI.
The great benefit of these products is predictability. You know exactly how much you will receive at the end of the contracted period.
Variable Income: High potential with volatility
Investments in shares, real estate funds and ETFs can provide returns of more than 20% a year, but they also carry greater risk. Some experienced managers achieve historical averages of 15% to 18% per year over periods of 5 to 10 years.
However, it is important to remember that the variable income market requires patience and knowledge. Volatility can cause your investment to fluctuate significantly before achieving the expected returns.
Cryptocurrencies: The new investment horizon
The cryptoasset market has shown impressive results for investors with a bold profile. Bitcoin and Ethereum have shown historic returns that have exceeded 100% in some years, albeit with intense fluctuations.
How to choose the best option for your profile
The truth that few experts tell us is that there is no perfect financial product for everyone. The secret lies in aligning investments with:
1. Your financial objectives
2. Your time horizon
3. Your risk tolerance
4. Your need for liquidity
An investor who needs the money in 6 months' time will have completely different choices from someone who is building up a reserve for retirement.
The factor that multiplies any return: knowledge
Did you know that more than 70% of investors still leave money earning less than inflation? This is due to a lack of adequate knowledge about the financial products available.
Truly understanding how each investment works is what separates those who just maintain their purchasing power from those who really multiply their assets.
Invest in knowledge to multiply your returns