Análise das principais opções de investimento no mercado financeiro para pessoas físicas

Abstract

This article aims to evaluate what the best investment options available in the financial market for individuals, considering the nominal return and the actual return of these over a period up to four years. Therefore, we used the payback period of technical investment, Net Present Value (NPV) and Internal Rate of Return (IRR). Statistical data of the applications were collected on the websites of the Central Bank of Brazil (BACEN), the Brazilian Institute of Geography and Statistics (IBGE) and Treasury Direct (STN). The analysis was considered the profitability in the period 2012-2015 to Bank Deposit Certificates (CDB), Savings Account, Stock Companies and US Dollar. For government securities, profitability was considered the National Treasury Bills (LTN) and National Treasury Notes - Series B (NTN-B) in the years 2014 and 2015. From the research, it was found that the US Dollar and NTN-B were the most profitable investment options in the period. The CBD and the LTN also posted positive real returns. The savings passbook showed low profitability and negative real returns. Finally, the option with the worst performance in the period were the shares of companies measured by the Ibovespa.