Types of investments available at Inter: how to choose?

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Understanding the types of investments available at Inter is the first step towards making your money grow more strategically. But, with so many possibilities, it's natural to wonder how to start and which option makes the most sense according to your profile.

When entering this universe, some concepts become fundamental for investing safely. Understanding what investment funds are, for example, helps to see how it's possible to diversify your portfolio practically, even without constantly monitoring the market.

Similarly, understanding the difference between fixed income and variable income allows you to choose between security and potential return.

The good news for those looking to start investing is that the process doesn't have to be complicated. With accessible tools and transparent information, you gain the confidence to take your first steps and progress consistently.

In this guide, discover how Inter's main options work, how to choose according to your profile, and how to build a more efficient strategy for your current situation. Enjoy reading!

What types of investments are available at Inter?

At Inter, you'll find:

• Fixed income: CDB, LCI, LCA, savings accounts, debentures, CRI and CRA;
• Variable income: stocks, real estate investment trusts (REITs), and operations such as day trading;
• Direct Treasury: Treasury Selic, Fixed-Rate, IPCA+ and Renda+;
• Cryptocurrencies: assets such as Bitcoin, Ethereum, and Solana;
• Investment funds: with accessible applications and professional management;
• Private pension: solutions for long-term planning;
• COE (Structured Operation Certificates): alternatives that combine fixed and variable income;
• Public offerings: Participation in equity, fund, and other asset issuances.

Now that you know Inter's investment list, it's worth delving deeper to understand how the main options fit into your strategy.

What is the difference between fixed income and variable income?

The main difference lies in the predictability of earnings. fixed incomeIn traditional income investments, the investor knows in advance or can estimate the return on their investment. In variable income investments, however, returns depend on market fluctuations and can therefore vary according to economic factors and asset performance.

In practice, this means that fixed income usually offers more security and stability, making it ideal for conservative profiles or short-term goals. Variable income, on the other hand, can bring higher returns in the long term, but requires a tolerance for risk.

In this process, having friendly customer service can help you choose the best investment for your profile with more confidence.

What is fixed income?

In this type of investment, you know the remuneration rules at the time of application, whether it's a fixed, variable, or hybrid rate. Among the types of investments available at Inter are CDB, LCI, LCA, etc. debentures and government bonds, with different maturities, liquidity, and risk levels.

When should you invest in fixed income?

This type of investment is ideal for short- and medium-term goals, emergency funds, and more conservative risk profiles. Many securities offer good liquidity, including daily liquidity, while others require longer terms for better returns. The risk tends to be lower, especially in products covered by the FGC (Brazilian Deposit Insurance Fund), such as... CDBLCI and LCA.

In this model, taxation varies according to the product and may follow the progressive income tax table or be exempt, as in the case of LCI and LCA.

Why consider government bonds as a safe option?

O Treasury Direct It is considered low-risk because it is guaranteed by the federal government. This means lower credit risk compared to other issuers. Furthermore, it offers different indexers, liquidity, and accessibility, making it a relevant alternative for portfolio diversification and protection.

What is the Credit Guarantee Fund (FGC)?

It is a private entity that protects investors in case of bankruptcy of financial institutions. It works like insurance and covers up to R$ 250 per individual taxpayer ID (CPF) and per institution in products such as CDBs, LCIs, and LCAs, offering greater security for fixed-income investments in the national financial system.

Among the types of investments available at Inter, CRI, CRA, FIDC, and debentures are not guaranteed by the FGC (Credit Guarantee Fund). CDB, LC, LCI, and LCA, however, are protected by the fund.

Therefore, you are entitled to a refund of the invested amount, plus interest, in case of problems with the financial institution, up to a limit of R$ 250 per CPF (Brazilian individual taxpayer registration number).

What fixed-income investments are available through Inter?

You can invest in CDBs, LCIs, LCAs, debentures, and government bonds through Tesouro Direto via the Inter Super App. These investments offer alternatives with daily liquidity or longer terms, different indexers, and profitability levels, so you can choose according to your profile and financial goals.

Furthermore, in the app you can compare different products, run return simulations, and thus invest with Safety, in a simple and quick way.

It's an ideal alternative for organizing your strategy and making decisions more aligned with your financial planning.

After learning about the fixed-income investment options available through Inter, the next step is to explore the variable-income opportunities. Check them out below!

What is variable income?

This is an investment category where returns are unpredictable, as they depend on market fluctuations. It includes stocks, ETFs, BDRs (Brazilian Depositary Receipts), and Real Estate Investment Funds (REITs), which can appreciate or depreciate over time, offering the potential for higher gains but also greater exposure to risk.

What are the main characteristics?

The main points to analyze are:

• volatility: Prices often vary depending on the market and the economy;
• long-term horizon: Ideal for those who can wait and tolerate fluctuations;
• diversification: A combination of assets reduces portfolio risk;
• costs: Investments in variable income assets may include stock exchange and brokerage/intermediary fees.

Before investing, assess whether the company operates in a solid sector, whether the fund's properties are leased, and whether the ETF accurately tracks the performance of the market it represents.

What are investment funds?

These are collective investments that pool resources from multiple investors to invest in different assets, such as fixed income, stocks, or foreign exchange. Management is handled by professionals, which facilitates diversification and access to more complex strategies in the financial market, as well as simplifying decisions and expanding opportunities.

In practice, there are different types of fundsThere are various types of investments, such as fixed income, multi-market funds, stocks, and foreign exchange. Each has specific purposes, risks, and strategies, allowing investors to choose options aligned with their financial profile and goals.

How to invest using the mobile app?

The first step is to open your Inter digital account. In the app, access the investment area and choose the ideal option for you. With just a few clicks, invest from R$ 1,00 and track your portfolio, returns, and opportunities directly through the app.

Now that you know the main types of investments available at Inter, it's easier to make decisions aligned with your profile and financial goals.

With a platform of investment Complete with the Super App, you can easily choose between fixed income, government bonds, funds, and stocks, with human support and guidance whenever you need it.