To escape the risks of creating an investment portfolio on the stock market alone, novice investors choose to invest in passive investment funds – a set of shares that are not individually purchased – or Exchange Traded Fund (ETF) – applications of several companies in one .
But do you know the differences between the two modalities? To analyze which is worth more, let’s consider three points: minimum value to apply, fees charged and follow-up actions.
Not everyone can invest in any type of fund because there are applications that establish the minimum value of R $ 20 thousand. On the other hand, to apply in ETF, just buy a share share quota. For example, in the BOVA11, it is possible to buy quotas for less than R $ 60 each.
Taxes and taxation
Considering the high variance of administration fees, the ETF fees charged are generally lower. For example, BRAX11 has a rate of 0.20% and BOVA11 has a rate of 0.54%. In investment funds, costs are around 2%.
In the income tax, the two types of investments have the same taxation, no matter the term: 15% on what income.
For custodian and brokerage fees, choose institutions or platforms that are free of fees or the cheapest, as found in many brokerage houses.
As traded on B3, ETFs behave as separate shares. That is, it is possible to monitor stock prices, graphs and yields in real time. However, in passive investment funds, the results are published month by month.