Meet the American “CDB”, a great investment option, with a yield of 5% being the highest rate since the year 2000. Enjoy!
Knowing how to invest abroad is important, especially for those who already understand the importance of diversifying their investment portfolio.
More experienced investors already understand the importance of investing in a diversified way, not putting their equity in just one investment.
It is true that in Brazil there are many forms of investment and that it is possible to diversify your portfolio with investments here.
Get to know the American “CDB”, do your analysis and invest where your money yields the most.
US bank bonds
Firstly, the increase in interest rates in the United States allowed investors to earn 5% in dollars by investing in bank bonds.
For you to have an idea of what it is about, the similarity with Brazilian CDBs illustrates American bank bonds well.
A consumer-facing data service consuming financial products in the United States points to a return of 5.5% per annum.
Thus, US bank bonds appear as a great investment option. This rate has not been found since 1990, that is, for more than 30 years.
Experts expect the US interest rate to rise in 2023. In other words, this is a great time to make this investment.
Who pays the best rates?
First, those who are paying the best rates are digital banks, as well as regional credit institutions.
But that doesn't mean that national institutions are a bad deal, compared to American standards, they pay a hefty fee.
However, when making your choice for US bank bonds, choose short-term bonds. The reason for this is the expectation of a loosening of monetary policy next year.
Which would change the interest rate, directly interfering with the profit obtained by investors. It's easy to check this when investing, after all, the interest rate is lower when choosing 5-year bonds.
Meet the American “CBD”, but be careful
At first, the first issue to be taken care of is when choosing the bank, prioritize more solid banks, with a larger size and more secure.
In Brazil we have the Fundo Garantidor de Crédito, in the United States there is the FDIC which offers the same guarantee to investors. The assured value is up to U$ 250 thousand.
That way, even if a bank fails, as has already happened in the United States, your investment is guaranteed.
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Pay attention to all the details of the American bank bond, such as the minimum amount and term, so as not to be surprised by something.
Consider all the risks, and weigh the yield, thus establishing whether the American “CDB” is a good investment for your investment portfolio.
What is a CBD?
Finally, if you are someone who is starting to invest and still have doubts about what a CBD is, here is a simple explanation.
Roughly speaking, it is a loan you make to the government, which returns the borrowed amount plus interest.
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Thus, it is a safer and somewhat conservative investment. If this is your investor profile, try to find out about the CDB options on the market.
Anyway, invest your money in a diversified way, and following your investor profile.
