With the expected relief for inflation in the coming months, it is important that consumers make the best use of the possible drop in prices. experts heard by CNN Brasil Business recommend that caution remain in the plans of Brazilians, since it is a moment that can be used to take advantage of opportunities, but without excesses.
Considered an “official inflation preview”, the IPCA-15 (Extended National Consumer Price Index-15) fell by 0.73% in August, according to the IBGE this Wednesday (24), the lowest rate recorded. since the beginning of the historical series, which began in November 1991. In the previous month, the index had risen 0.13%.
In July, the official index was already showing a truce, with a drop of 0.68%, the first after 25 consecutive months of high prices. In the previous month, it had risen 0.67%.
In this scenario, Rafael Monteiro Ue, an investment specialist, believes that the best thing to do, first of all, is to pay off debts. Since the basic interest rate is high – at 13.75% per year – Monteiro sees it as a good opportunity to use the amount saved and unburden the budget and avoid continuing to pay interest.
“In addition, the consumer can invest the value for an emergency reserve in order for an unforeseen event to be able to resort to itself”. Then, Monteiro says that, with the bills up to date, it is possible to think about consuming specific items that the consumer wants.
“If everything is ok with the previous items, there is a consumer good that had its value reduced due to the tax cuts made by the federal government, it might be worth anticipating the purchase of this good before its readjustment after the tax return”.
With the IPCA results for July, the market perspectives for the index in the country are also being revised. According to the Focus Bulletin released on Monday (22), inflation expectations for 2022 had the eighth consecutive drop and reached 6.82%. Previously, the projection was 7.02%.
As for 2023, inflation showed the first drop in this week’s report, after 19 consecutive forecasts of growth in the indicator. According to the document, in the following year, inflation should be 5.33%.
Isabela Fontanella, financial consultant, also recommends that opportunities and discounts be taken advantage of, but that the moment is not yet good for excesses.
“If you find a promotion for a product or service that you’d like to have, it’s worth taking advantage of this moment. But I recommend avoiding purchases beyond the schedule just because of the price drop,” he says.
Fontanella explains that the caution is due to the prospects of inflation that remains above the ceiling established by the Central Bank (BC) for next year, even after the first review published in the Focus Bulletin.
Regarding investment possibilities, Rafael Monteiro says that investments that should benefit from the drop in interest rates expected for mid-2023, such as pre-fixed ones, are interesting, “but it is always important to consult the investment specialist at the bank or broker because he knows the customer’s profile and can help in this regard”.
This Tuesday (23), the president of the Central Bank (BC), Roberto Campos Neto, said that inflation may end the year below 6.5%, but that there is still no reason to celebrate, as inflation remains persistent. .
Source: CNN Brasil
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