For those who invest their money in search of a good profitability, it is always good to know how was the financial scenario of the previous year to get a sense of how the new year will be – especially when in a year as economically turbulent as was the case of 2015 .
Inflation returning to high levels, growth of the basic interest rate and retraction in the economy made the gains in investments rise, in addition to the consequences of the dollar growth that also influenced the results.
In today’s post we will show you how the performance of the main financial investments in 2015, follow!
Financial Investments: Treasury Direct
With the exception of the IPCA post-fixed bonds for 2035, all other fixed assets ended the year with gains between 12.5% and 13.3%. Considering inflation of 11% in the year, these bonds had little real gain, as there is still the income tax to be considered.
Fixed-rate securities had worse than post-fixed yields, all of which were below 10% gain. However, for a truly diversified portfolio, it is important that investments with these characteristics are maintained.
LCI and LCA
Investments in LCI and LCA generated good results in 2015. From 85% of CDI contracted in return, total revenues started with 13.5%. In the case of letters with 90% of the CDI, total income reached 14.34% in the year and the letter that yielded the most in 2015 was 95% CDI, returning more than 15% to investors.
One inherent feature of these investments is the fact that they are exempt from income tax, which gives them an advantage over other types of investment.
DI and Fixed Income Funds
DI funds managed almost entirely to exceed adjusted earnings relative to savings, which had a 9.79% annual return. However, none were able to surpass the CDI, but the majority also ended up in front of inflation.
But if we consider the impact of income tax on DI investments, few offered positive real income in the year, also because of the high management fees charged by the managing institutions. To get a higher rate, you usually have to invest higher values and negotiate.
Fixed income performed very similarly to the DI, with almost all funds also ahead of inflation. What also negatively affected the results of these funds was the income tax, causing few to present real gain in 2015.
Dollar and exchange rate funds
Foreign currency and foreign exchange funds were the darlings of the year, generating nearly 50% gains in the year. The most profitable investment of the year achieved accumulated returns of 52.2% of gross profitability. For the euro side, the exchange funds that were tied to the European currency offered returns to investors of more than 30%.
The US currency closed the year with a cumulative gain of 48.49%, an excellent appreciation, presenting itself as the most profitable investment of the year.
Of course, the results of the financial investments in 2015 are not related to any results that can be obtained during 2016, but can give an indication of what a year of crisis can generate in terms of profitability.