When it comes to making money online or offline, most investors immediately think of stocks, real estate, or even cryptocurrencies. But in 2025, a new wave of attention is going toward fixed-income investments—specifically those offering 111% of CDI (Certificado de Depósito Interbancário) yield with income tax exemption.
This isn’t just another bond or savings product. It’s a secure investment option designed to give investors both stability and superior returns compared to traditional savings accounts or government bonds. Let’s break down why this could be the best fixed-income opportunity in 2025 and how you can leverage it to build wealth safely.
Why 111% of CDI Is a Big Deal
The CDI is a benchmark for interest rates in Brazil and is closely tied to the Selic rate. When an investment pays 111% of CDI, it means you are earning above the standard reference rate offered by most banks and fixed-income securities.
For comparison:
- A standard savings account often yields less than 70% of CDI.
- Government bonds like Tesouro Selic usually pay close to 100% of CDI.
- But here, you’re securing 111% of CDI, beating most conventional options.
This makes it a powerful tool for consistent, above-average returns in a low-risk environment.
Income Tax Exemption: More Net Profit for You
One of the major advantages of this opportunity is complete exemption from income tax. Normally, fixed-income returns are subject to taxation in Brazil, which can eat into your profits—sometimes up to 22.5% depending on the holding period.
With the exemption, every cent of your earnings goes directly into your pocket. This creates an effective yield even higher than the 111% CDI rate, making it far more attractive than taxable alternatives.
Why This Is the Best Secure Fixed-Income Investment of 2025
- Safety – These investments are often backed by solid institutions and sometimes covered by the FGC (Fundo Garantidor de Créditos) up to certain limits.
- Liquidity – Many of these fixed-income opportunities allow redemption after short periods, giving you flexibility.
- Predictability – Unlike stocks or crypto, fixed-income offers stable and foreseeable returns.
- Tax-Free Advantage – What you see is what you get—no deductions on your earnings.
For conservative investors or those looking for a stable portion of their portfolio, this is as close to “risk-free” income as you can get in 2025.
How to Get Started
- Step 1: Check with your digital broker or investment platform to see which fixed-income products are offering 111% CDI with tax exemption.
- Step 2: Verify the issuer’s credibility and whether FGC protection applies.
- Step 3: Diversify your portfolio by combining fixed-income with other asset classes (ETFs, stocks, and even crypto for growth).
- Step 4: Reinvest your earnings to take advantage of compound interest and maximize long-term gains.
Final Thoughts
The year 2025 is proving to be full of opportunities for investors who know where to look. While many people are chasing high-risk assets, the 111% CDI yield with tax exemption represents a unique chance to grow wealth securely, steadily, and smartly.
If you’re serious about building a strong financial foundation while minimizing risk, this may very well be the best fixed-income investment available in 2025.
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