If you are looking for safe and profitable ways to make your money work for you, fixed income investments such as CDBs (Bank Deposit Certificates) are one of the best options in 2025. With current offers of 15.5% fixed interest, IPCA +10%, or 110% of CDI, many investors are wondering: which alternative is truly the most profitable and safest for building wealth online?
In this article, we will explain in detail how each of these options works, their risks, and which profile of investor should choose them.
1. CDB Pre-Fixed at 15.5%
A pre-fixed CDB offers a guaranteed return of 15.5% per year. This means that regardless of inflation or interest rate fluctuations, your investment is locked at this rate until maturity.
✅ Advantages:
- Predictable return
- Excellent for those who believe interest rates will fall
- Stability
❌ Disadvantages:
- If inflation rises, you may lose purchasing power
- No flexibility if the market changes
2. CDB IPCA +10%
The IPCA +10% option is tied to inflation. That means you earn 10% above inflation (IPCA). If inflation is 5%, your return will be 15%; if it’s 7%, your return will be 17%, and so on.
✅ Advantages:
- Protection against inflation
- Real guaranteed gain
- Long-term safety
❌ Disadvantages:
- Returns vary depending on inflation
- May be less attractive if inflation decreases
3. CDB Paying 110% of CDI
The CDI is a benchmark rate in Brazil’s fixed income market. A CDB paying 110% of CDI is considered a great opportunity for investors seeking liquidity and profitability.
✅ Advantages:
- Usually offers daily liquidity
- Competitive returns compared to savings or Treasury bonds
- Safer than stocks or crypto
❌ Disadvantages:
- Gains depend on the CDI rate
- May not outperform inflation in certain scenarios
Which is the Best Choice?
- If you want certainty of return, the 15.5% pre-fixed CDB is attractive.
- If your priority is protecting against inflation, the IPCA +10% is unbeatable.
- If you need flexibility and liquidity, go for 110% of CDI.
For long-term wealth building, combining different fixed-income assets can diversify your portfolio and maximize your gains.
How to Make Money Online with Fixed Income in 2025
With digital banks and investment platforms, you can now invest in these CDBs 100% online, without needing a bank branch. This allows anyone to build a safe passive income stream, protect their money, and grow wealth consistently.
Start small, invest regularly, and reinvest your earnings. Over time, your money will work for you — that’s how real financial independence is built.
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