PRIVATE PENSON PLAN
FIXED INCOME
TREASURY
Private penson plan
A private pension is a plan into which individuals contribute, which then will pay them a private pension after retirement. It is an alternative to the government pension (INSS). Usually, individuals invest funds into mutual funds (PGBL ou VGBL), run by banks or asset management companies. The contributions into private pension schemes are usually tax-deductible.
Fixed income
Fixed income (debt) securities are recommended for investors who are seeking lower level of volatility in their expected returns. In other words, higher certainty over the interest amount to be gained. The vast majority of this kind of security is represented by CDs, “LCI” which is real estate originated and “LCA” that is agriculture related.
Beginning or conservative investors
“Tesouro Direto” government debt is issued by the Brazil Treasury to finance government spending as an alternative to taxation. These types of securities are popular and well-known in the market and recommended for the beginners and risk averse investors.
A Manacá Investimentos
Manaca is an investment advisory company that represent, through its partners, the bank BTG Pactual.
Our role is to understand and clarify our clients’ investment goals, then plan and agree on return expectations, select products that suit the client risk profile and deliver performance according to his or her risk parameters.