CDI, IPCA, Selic, IGP-M, which is the best index for you to link your investments? It is very common for investors to have this type of doubt, there are many acronyms and each one of them gives your asset a different return. To explain it in a very simple way, the chief economist of Banco Master de Investimento, Paulo Gala, makes an interesting comparison:
“Think of a lease. When you sign one of them, there is always that dilemma: what index will be used in the contract readjustment? It could be the IGP, the FIPE IPC, the IPCA… These are the famous indexes. They are nothing more than readjustment indexes that you will put in a contract. They are a way for you to try to freeze the future and provide a guarantee for the investor in that particular contract.”
As with rental contracts, all investment securities use at least one reference index. For you who are going to invest, the important thing is to pay attention to them to be clear about the risks and benefits that each one of them can bring to your portfolio.
A great example of a rate that is used as an index is the CDI.
The Interbank Deposit Certificate (CDI) is the title that one bank uses to lend money to another and which is very close to the basic interest rate of the economy, the SELIC.
The CDI is one of the most used indexes in Fixed Income, it serves as a reference for several investments, such as the CDB (Bank Deposit Certificate) for example. That is why it is quite common to see that a certain investment yields a percentage of the CDI.
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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.
