Choosing the safest investments is a great way to grow economically without taking on big risks, and for this reason we will show you some of the safest investments available in Brazil! Although riskier investments have a chance of yielding higher profits than safe investments, taking risks in highly volatile investments is not usually the ideal path for beginners. In other words, by choosing any of the recommendations in this article you will avoid stress, guarantee a return and still be safe! Below, we will show the 4 main types of high-security investments in Brazil:
1. Direct Treasury
The most famous and safest option is undoubtedly Tesouro Direto (Direct Treasury), a program of the Brazilian Federal Government that allows individuals to invest their money in government bonds. Besides being one of the safest investments in the country, today, in 2025, it offers a return of almost 15% per year depending on the type of bond chosen. Check out the main types:
Tesouro Selic: Post-fixed, it follows the Selic rate and is ideal for those seeking daily liquidity.
Fixed-Rate Treasury Bond: Offers a fixed return defined at the time of purchase.
IPCA+ Treasury Bonds: Their profitability is composed of the inflation rate (IPCA) plus a fixed rate, protecting the investor's purchasing power.
They are guaranteed directly by the National Treasury and provide great security to the investor. They also have daily liquidity, which allows redemption to be made at any time, although some bonds have specific maturity periods.
2. Bank Deposit Certificates (CDBs)
Certificates of Deposit (CDBs) are securities issued by banks to raise funds. In a CDB, the investor lends money directly to the bank and, in return, receives interest on that amount. There are 3 main types of CDBs:
Fixed-rate CDBs: Offer a fixed interest rate, known at the time of investment.
Post-fixed CDBs: Their profitability is linked to the benchmark index, such as the CDI, which closely follows the Selic rate.
Hybrid CDBs: Combine a fixed rate with a rate that varies according to an index, such as the IPCA.
3. Real Estate Credit Notes (LCIs) and Agribusiness Credit Notes (LCAs)
LCIs and LCAs are issued by banks to finance the real estate and agribusiness sectors. By investing in them, the investor lends their money to the bank, which uses the funds to finance these sectors.
Income Tax Exemption: One of the biggest advantages of LCIs and LCAs is their income tax exemption for all individuals, which guarantees higher net returns on investment.
FGC Guarantee: Just like CDBs, LCIs and LCAs also have FGC protection, offering additional security for the investor.
4. Fixed Income Funds
Another traditional investment option is fixed-income funds. These are collective investment vehicles that invest investors' resources in various fixed-income assets, such as CDBs, LCIs, and LCAs. They are managed by a professional fund manager who administers the fund and seeks to optimize its returns according to the defined strategy.
Diversification: By investing in this type of investment, the investor has access to a highly diversified portfolio of assets, which significantly reduces their risk.
Variable Liquidity: Liquidity in these fixed-income funds can vary considerably depending on the type of fund and the strategy adopted. Some funds may even offer daily redemptions.
Always remember to do thorough research before making any investment decisions. And if necessary, consult a financial advisor to make informed decisions aligned with your specific needs.