We created this Investment Guide with the goal of making people’s lives easier by making decisions about how to invest their money.

Our rule historically has higher profitability than savings, funds offered by banks, Treasury Direct and the stock exchange.

In addition to being more profitable than most investments, this rule also offers security – you are not at risk of losing money by following this Guide.

The rule for financial investment:

The rule for financial investment:

Our rule is simple and can be done in two steps:

-> Invest your financial reserve in DI Fund: separate the equivalent of at least 3 salaries to apply in DI funds, a fixed income type.

-> Invest for the future by applying in average bank securities (CDB, LCA, LCI): the rest of your money is invested in middle-market bonds that yield more than DI and are guaranteed by the FGC (same savings guarantee).

Read more: Better financial investments in 2015



  • Invest your financial reserve in Fundo DI

The financial reserve is an amount you put aside to apply somewhere safe and easily accessible for you to use in emergencies – illness in the family and job loss, for example. We recommend that you allow at least 3 months of salary.

– Why invest in DI Fund? By investing in these funds you are lending money to the Government. Therefore, they are considered safe investments, you can redeem when you want and are also paying good profitability because the Government has paid high interest.

– How much should I invest? Our recommendation is that you invest 3 times your salary in DI funds. Example: if you earn R $ 4 thousand, the ideal is to save R $ 12 thousand (3 x R $ 4 thousand) to invest in DI. If you have not yet reached this value, you have no problems! Invest what you have and put in more money later, as you save money.

– How to invest in DI Fund? All banks offer DI Fund. But pay attention to the administration fee charged: anything above 1% per year is not recommended.

See the table below for the most profitable DI funds with a management fee of up to 1%, according to the Exam Fund Ranking:

Note, for example, that the background of the XP brokerage house has the lowest application limit and also the lowest administration rate.

  • Invest for the future by applying in average bank securities (CDB, LCA, LCI)

    Invest for the future by applying in average bank securities (CDB, LCA, LCI)

  After you invest at least 3 wages in a DI Fund, you have more freedom to put your money into an investment that gives you a slightly higher return and helps you achieve your financial goals.

– Why invest in average bank bonds? The yield of these bonds is higher than that of the DI funds, although they are a bit risky. In addition, they are also safe because they have the same guarantee as the Savings: in case of problems with the financial institution, the Credit Guarantee Fund (FGC) guarantees investments of up to R $ 250,000. The only restriction is that your money needs to be invested for a certain time (6 months to 2 years).

– How much should I invest? You should invest the amount that is not in a DI Fund financial reserve and that you will not need in grace period (6 months to 2 years). In addition, you must invest a maximum of R $ 250,000 per bank, which is the maximum amount guaranteed by the FGC.

Example: If you earn R $ 4,000 a month and you could save R $ 20,000, invest R $ 12,000 in DI Fund and then allocate R $ 8,000 in medium bank securities (example: CDB, LCA, LCI). So you diversify your investment into safe, low risk assets with interesting profitability.

Read further: Understand what CDBs are before you begin to work out your budget

How to invest in Fixed Income?

The best way to invest in Fixed Income is through brokers such as XP, Órama and Easynvest. With a brokerage account, you can choose multiple fixed income securities and not just depending on what your bank manager suggests.

To compare how much brokerage firms are charging for services, visit the Investor ‘s Compass site. You can compare up to five brokerages at the same time.