Renda fixa: quais as vantagens e desvantagens?

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A renda fixa tem chamado atenção de investidores e pode ser uma boa opção para os perfis mais conservadores ou para montar uma reserva de emergência.

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Antes de tomar a decisão sobre investir ou não na modalidade, é importante entender algumas vantagens e desvantagens.

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Entre as vantagens estão a previsibilidade, a baixa volatilidade, a acessibilidade (já que é possível começar com pouco) e também a variedade de produtos.

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Quando falamos das desvantagens, a renda fixa acaba tendo rendimentos menores e alguns riscos de resgate, principalmente os títulos que não têm garantia do FGC.

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Outro ponto de atenção quando falamos desse tipo de investimento é a liquidez, ou seja, a velocidade e a facilidade com que um ativo pode ser vendido. Os ativos de liquidez diária costumam ser usados por investidores que podem precisar resgatar o dinheiro rapidamente.

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Mas atenção: liquidez diária não é sinônimo de lucro certo. Se você precisar resgatar o investimento de um dia para o outro, pode acabar perdendo dinheiro por conta da marcação a mercado.

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Entenda mais sobre as vantagens e desvantagens da renda fixa!

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Converse com a gente!

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