What is investment used for?

According to Abbreviationfinder, there are different types of investments available in the financial market, which can be classified according to the profile of those who want to invest.

For this, it is necessary to consider that there are two main classifications that fit the investments:

Fixed income : investments in which income is known from the beginning, by an indexer, such as traditional savings.

Variable income : investments in which your income will be uncertain when capital is applied, such as when acquiring shares in a company.

Considering these two classifications, it is possible to see that fixed income is safer and made for more conservative investors, while variable income for investors who take more risks.

Fixed income investments

Savings account

Saving is a simple investment in which a monthly fee is applied to the capital invested. It can be done at any bank branch, through an account.

CDB – Bank Deposit Certificate

CDBs are issued by banks as a way of raising funds, in exchange for remuneration to the investor.

The investment is made under consultation with bank branches, and it is noteworthy that smaller institutions offer higher interest rates, which offers higher returns to those who apply.

RDB – Bank Deposit Receipt

RDBs work in a similar way to CDBs, with the difference that it is not possible to withdraw the invested money ahead of time.

LCI – Real Estate Credit Bill

LCIs are investments raised by banks, in which capital goes to the real estate sector, making it another investment opportunity.

LCA – Agribusiness Letter of Credit

LCAs apply in the same way as LCIs, with the difference that the financial institution will allocate capital to agribusiness funds.

Unlike CDBs, these Letters of Credit have no Income Tax, which can be more advantageous, depending on the rates of return.

LC – Bill of Exchange

Bills of exchange are credit securities offered in different parts of the market, which act as a form of lending to consumers.

On the other hand, there is fundraising by financial companies, which offer good returns for those who invest.

Direct Treasury

Treasury investments are a form of fundraising practiced by the government, through government bonds.

The profitability of these bonds may be linked to inflation, through the IPCA, the basic interest rate Selic or a fixed rate.

Investment funds

Investment funds are collective means of investments, which can be considered fixed income when they are intended for more conservative investments, such as CDBs, for example.

Once invested, the funds are in charge of a manager who uses investment strategies, and in the case of fixed income funds, most of the capital is invested where the income is fixed.


Debentures are the way companies collect funds from investors, as a form of loan, in a capital that is used in their activities.

These debt securities are issued directly by companies, which pay interest on the investment.

COE – Structured Operations Certificate

COE is a type of financial investment that combines fixed income and variable income products.

This works like investment funds, with the advantage that income tax is charged only on capital redemption, using the regressive table.

Investments in variable income


Stocks are one of the best known investments in equity. For it, the investor acquires part of the capital of a company where he becomes a shareholder, receiving in return parts of the profit for the period.

Investment in shares takes place on the stock exchange, through brokers, which sell shares in publicly traded companies. It is also possible to acquire privately held shares directly with the company, which is something more difficult to happen.

Equity funds

Another way to invest in shares is through Investment Funds, where it is possible to acquire shares in different companies in a more simplified way.

Investment in equity funds is made by brokers, where capital is invested and managed by managers.

Multimarket funds

In these funds the investment is broader, operated between different types of assets at the same time, whether by shares, fixed income investments, derivatives, foreign currencies, among others.

Capital is managed by brokers, who formulate different types of strategies for investor returns.

Real estate funds

The real estate fund allocates the invested capital to the real estate market, marketed through quotas for the properties available in the fund.

One of the advantages is the exemption from income tax for the income that the investment generates over time.


In the derivatives market, there are different financial products in which their income “derives” from other products. An example of this is the dollar exchange options market, which derives from the variation in international currency prices.

A large part of this market is present on Bovespa, the São Paulo stock exchange, which brings together investors seeking protection operations, known as hegde.