In the CBN Dinheiro program this Tuesday (1st), specialist Marcelo d'Agosto answered a question from listener Juliano about retirement. The listener intends to retire in 15 years and wants to have income above the INSS cap. In addition to contributing to the INSS, he is considering investing in Treasury Income+ 2040 as part of his strategy.
According to the specialist, the main advantage of Treasury Income+ is the possibility of estimating today the value of monthly installments that will be received in the future, for a period of 20 years. However, the disadvantage is that this future return depends directly on the interest rate in effect at the time of investment.
Marcelo d'Agosto explained that, since interest rates are currently very high, investing now to lock in future gains ends up being a good strategy. Treasury Income+ currently offers returns of inflation plus 7% per year. The specialist warned, however, that if interest rates fall over the next 15 years, Juliano may need to reassess his strategy.
As an alternative, the specialist mentioned stock investments. This is because, with lower interest rates, this type of investment tends to appreciate, although the explanation about this alternative seems to be incomplete in the article.
