If your goal is to create a safe, predictable, and consistent source of income, fixed income investments can be the perfect choice. Many people still believe that earning a steady R$1,000.00 per month is only possible with risky strategies, but the truth is that with the right allocation in LCIs/LCAs and CDBs with monthly interest payments, you can achieve this goal with security and predictability.
In this article, I’ll show you exactly how you can structure your portfolio to generate this passive income and why fixed income in 2025 is much more attractive than many realize.
1. CDBs with Monthly Interest Payments
CDBs (Certificates of Deposit) are among the most popular fixed income investments in Brazil. By investing in CDBs that offer monthly interest payments, you transform your money into a steady paycheck.
For example, by investing in a CDB that pays 110% of CDI, you can secure a predictable monthly income that goes straight into your account. If you invest around R$120,000.00, you could generate approximately R$1,000.00 per month, depending on the CDI rate.
👉 The advantage here is daily liquidity in some cases, meaning you can access your money anytime without losing earnings.
2. LCIs and LCAs with Interest Exemption
Another great way to boost your net return is through LCIs (Real Estate Credit Bills) and LCAs (Agribusiness Credit Bills). These investments are exempt from Income Tax, which means all the profit is yours.
A good LCA paying around 95% to 100% of CDI can be just as profitable as a CDB, but without taxation. To generate R$1,000.00 every month, the amount to invest is similar to CDBs, but the tax exemption gives you a higher net gain.
👉 Ideal for those who want a safe and tax-free passive income.
How Much Do You Need to Invest?
To reach the R$1,000.00 monthly goal, you’ll need approximately:
- R$120,000.00 in CDBs at 110% of CDI (taxable).
- R$115,000.00 in LCAs at 95% CDI (tax-free).
By diversifying between these two options, you not only increase your earnings but also reduce risks by not putting all your money in one place.
Final Tips to Maximize Your Income
- Always compare rates from different banks and digital platforms.
- Prefer investments covered by the Credit Guarantee Fund (FGC) for added security.
- Reinvest extra profits to accelerate your wealth growth.
With planning and consistency, earning R$1,000.00 every month from fixed income is not only possible but also a smart way to build a financially stable future.
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