6 Investments with Daily Liquidity: Withdraw When You Need It. Investing wisely is crucial, and knowing the liquidity and maturity of your assets is a fundamental part of this process. Daily liquidity is an especially important feature for those looking for the flexibility to access their money at any time without penalties. In this article, we'll explore six daily liquidity investment options that fit perfectly into short-term goals and as part of emergency funds.

Daily Liquidity: What Does It Mean?

Daily liquidity refers to an investor's ability to convert their asset into cash at any time without facing penalties or significant loss of value. This is particularly valuable for investors who want maximum flexibility in their investments.

Investments with Daily Liquidity

1. Savings Accounts: Savings accounts remain a popular option in Brazil, allowing withdrawals at any time. However, it is important to note that due to the “birthday” mechanism, withdrawals within the first month result in zero earnings. Furthermore, the return on savings often does not keep up with inflation, which can affect the purchasing power of the money invested. Therefore, savings are mainly suitable for beginners, but more knowledgeable investors usually migrate to more profitable options.
2. Bank Deposit Certificates (CDBs): Similar to savings accounts, CDBs offer predictability in returns and have the same risk as savings accounts. However, they do not have the “birthday” mechanism and can be a great choice for building an emergency fund.
3. Direct Public Securities: Treasury Direct bonds are as effective as CDBs, but with less risk. When lending money to the government, the investor faces minimal risk of default as the government can print money to pay its debts. All Tesouro Direto bonds have daily liquidity, with varying maturity options. The Selic Treasury is a popular choice for building emergency reserves.
4. DI Funds: DI funds allow the investor to outsource the choice of assets to a professional. They seek to follow the DI rate, which is close to the basic interest rate, the Selic. However, it is important to check whether the chosen DI fund offers daily liquidity, as some options may not have this advantage. Also, note possible administration fees and the income tax deduction every six months.
5. Actions: Investing in shares offers high liquidity, but it is important to highlight that this is a more long-term option. The volatility of stocks can lead to losses if the investor is forced to sell them during a price drop. Therefore, shares are better suited for longer-term investments, allowing the investor to take advantage of the shares' liquidity to sell when the value increases.
6. Real Estate Funds (FIIs): FIIs are similar to shares, but instead of purchasing individual pieces of property, the investor acquires shares in funds that invest in commercial properties, such as shopping malls and offices. FIIs are an alternative to direct investment in physical properties, offering high liquidity and more affordable rates.

Investing with daily liquidity is a smart strategy for short-term goals and building an emergency fund. Choosing the right option depends on your financial goals and the level of risk you are willing to accept. Always remember to consider your investor profile and seek professional guidance when necessary to make informed and effective decisions regarding your investments.

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