In an interview with CNN Brazil this wednesday (30), Órama Investimentos’ partner and educational manager, Gilvan Bueno, highlighted the importance of using part of the 13th salary in investments, and warned about alternatives to savings.
“Last year, with the Selic rate at 2%, it was difficult to talk about fixed income. Now, with the interest rate at 13.75%, it is very attractive to start investing more safely in other funds”.
The first installment of the 13th salary must be paid to workers under a CLT contract by this Wednesday. And the second installment until December 20th.
According to the specialist, most Brazilians are conservative. “The challenge is the following: I have two investment vehicles, one that on average is yielding 6% and another that yields twice as much, with FGC protections [Fundo Garantidor de Crédito]🇧🇷 So, today it is possible to have a high profitability, without taking risks and without paying taxes”.
However, Bueno advises that the worker should prioritize the payment of debts, especially now in the post-pandemic period. “This year has a great particularity. We left the pandemic and had the first year of economic activity. Many Brazilians, to survive during the pandemic, used their savings, their credit, and many ended up in debt”.
“At this moment, you need to think about zeroing this financing [da dívida] to have a consumption capacity and remember that January is the school year, IPVA, some factors that consume a little capital”, he highlights.
Check out the full interview above.
Source: CNN Brasil
A journalist with over 7 years of experience in the news industry, currently working at World Stock Market as an author for the Entertainment section and also contributing to the Economics or finance section on a part-time basis. Has a passion for Entertainment and fashion topics, and has put in a lot of research and effort to provide accurate information to readers.
