The Banco do Brasil, founded in 1808, supports the tradition and solidity of the Brazilian financial system. In addition to offering banking services, a complete range of investment products is available for perfect conservatives, moderates and arrojados. Next, understand the main options and how to approach them strategically.
1. General View of the Bank of Brazil
- One of the major financial institutions of Latin America.
- Strong presence in agriculture, varejo and atacado.
- Recognition for governance and broad capilaridad de agencies.
2. Principles of Investment Products
- Poupança
- Yield: TR + fixed taxa defined by the government.
- Liquidation will take place daily starting from D+0 (immediate cancellation for the next day).
- Indicated for seeking simplicity and minimum return oscillation.
- Bank Deposit Certificate (CDB)
- Pre-fixed, post-fixed (CDI) and hybrid (IPCA+) modes.
- Varied prices and possibility of early settlement (depending on the contract).
- Protected hair FGC até R$ 250 mil by CPF and institution.
- Letra de Crédito Imobiliário (LCI) and Letra de Crédito do Agronegócio (LCA)
- Recommendations for physical fitness.
- Post-fixed rent (CDI) or pre-fixed.
- Indication: you are looking for tax exemption and tax diversification.
- Investment Funds
- Opções em fixa, multimarket, ações e prvidência.
- Active or passive management, in accordance with the customer's needs and risks.
- Allows access to professional strategies and asset diversification.
- Direct Treasure
- Access to federal public titles via BB as an integrating agent.
- Titles listed in Selic, IPCA or prefixed taxa.
- Boa option for emergency reserves (Selic Treasury) and protection against inflation.
- Private Insurance (PGBL/VGBL)
- Tax benefits: deducted from 12 % tax returns (PGBL).
- Diversified portfolios for long-term objectives.
- Possibility of scheduled visits or increased monthly vitality.
3. Criteria to evaluate your investments
- Objetivos Financeiros: short, medium or long; emergency reserve vs. aposentadoria.
- Risk Profile: conservative (low volatility), moderate (return-return balance) or reduced (major exposure in a variety of ways).
- Diversification: combine products from different classes to reduce system charges.
- Continuous Monitoring: periodically review the asset allocation and adjust it in accordance with changes in goals or economic scenario.
4. Advantages of Investing in the Bank of Brazil
- Security and Solidez: institution controlled by the federal government and well capitalized.
- Variedade de Produtos: Expands the ability to assemble complete portfolios in one place.
- Convenience: integration with current accounts, apps and internet banking, facilitating doors, re-gates and accompaniment.
- Atendimento Especializado: specialists in agencies and digital equipment to clarify questions and indicate products.
Conclusion
Investing at Banco do Brasil offers security, diversity of options and operational ease. For a better return, in accordance with your decisions regarding your goals and objectives, diversify your card and accompany them regularly or desempenho. So, maximize the opportunities that BB is available and build a solid and smooth financial path.
