The article addresses the best investment strategy for obtaining periodic income, dividing the recommendations between short and long term. For short-term investments, the suggestion is to apply in products linked to the Selic rate or CDI with daily liquidity, which according to the text are essentially the same thing in practice.
The text clarifies that none of the mentioned applications generates a monthly income that automatically falls into the investor's account. In the case of investments linked to the Selic or CDI, interest is accumulated daily and the investor needs to withdraw the earnings on a specific day of the month.
The similarity between short and long-term applications is that both do not offer automatic monthly payment. The main difference lies in the way of earning. The investment linked to the Selic earns inflation plus interest without separating these two components, requiring the investor to calculate how much was inflationary adjustment and how much was real gain.
For the long term, the recommendation is Treasury IPCA with semi-annual interest, which pays earnings every six months. The article leaves the explanation about the specific characteristics of this type of application incomplete.
