Variable income fund: everything you need to know

Variable income fund: everything you need to know

The Variable Income Fund has already suffered a lot from the distrust of the most conservative investors in the market. However, today, it has conquered its space in the financial market.

This has become increasingly popular due to its chances, which are not low, of being able to raise a higher return than more traditional applications. Given its relation to long-term goals.

This capacity for long-term profitability makes it even feasible to contract some types of credit, such as home equity or also known loan with real estate guaranteeto start investing in this type of fund.

For this reason, in today’s article, we will present what is the variable income fund for you. And why this can be considered one of the most interesting to invest in.

Enjoy and happy reading!

Is this type of investment attractive?

To fully understand what a variable income fund is, it is first necessary to be clear about what a financial asset is.

The financial asset, in turn, is an instrument intended for those who wish to direct their resources to investments.

Soon, companies looking for ways to expand their own business go to the capital market, issuing some shares. These shares are variable income financial assets. And the fund is where the monetary resource will be applied to a type of asset, which will yield and become profitable for the investor.

Thus, stocks, exchange rates, gold, derivatives, real estate funds, among others, are also considered variable income investments. In addition, some fixed income assets, such as debentures, can be added to the list.

More expensive assets such as foreign exchange, gold and, mainly, derivatives are intended for professional and more experienced investors in the area. These have bold profiles and enjoy the challenge.

Those who are beginners or do not have the necessary experience to become a professional, in the case of an individual, can even invest in these areas, via funds.

However, derivatives carry a great deal of risk, as they allow investors to leverage their positions. Such an action also exponentially increases the risk of the investment.

How to analyze assets in this type of funds?

When investing in this type of fund, managers who make such investments generally choose to use one or two currents of analysis available to them. Checking the fundamentalist and technical part of the business.

In reality, the methods that are defended by these currents of thought are all complementary, having great difficulty in separating them. Those who have to use them individually will not be able to obtain satisfactory results, or worse, they may suffer with great losses.

However, the simultaneous use of such techniques will be normal, where fundamental analysis is adequate for the selection of those stocks that should be bought. While technical analysis serves to determine the moment when they should be bought.

How is taxation on this type of investment

For novice investors, the simplest way they can start investing in variable income is through a stock fund, as this brings greater security to assets.

Among other advantages, this type of investment will be subject to some more favorable taxation rules than those existing in other funds and fixed income itself.

As a way of encouraging the participation of a greater number of investors in the stock market, the Equity Investment Funds (FIA) are all subject to specific taxation, with lower rates compared to others.

The first tax advantage that we can raise is related to the Tax on Financial Operations (IOF).

While the other types of funds are all subject to the collection of taxes when there is redemption of invested resources that have been made in less than 30 days, there is no incidence of IOF on the income of the shares in question.

This does not occur, for example, with the income tax related to the FIA, which is levied on the appreciation of the shares, with payment being made by the administrator of the fund itself.

However, unlike most other investments, whose rates vary between 22.5% and 15% according to the period elapsed since the investment was made, the rate of 15$ will be applied to stock funds, regardless of which the period of permanence of the monetary resources applied within it.

An interesting type of investment for many

As we can see during the article, the variable income fund can be very useful, since it has so many advantages, mainly in its objectivity, making it one of the most interesting for those who wish to become or who are already investors.

Studying well the forms that this type of investment offers, it may even become feasible to think about acquiring a fund specifically to invest. In this case, it is recommended to research more advantageous credit alternatives, such as the secured loan offered by fintech CashMe as it is a model that has low interest rates and good payment terms.

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