Monthly income credit basket
A diversified mix of real estate and agribusiness receivables and listed credit funds, combined so that something pays every month.
- Risk level
- Moderate to higher
- Horizon
- 2 to 6 years
- Currency
- BRL
- Income
- Monthly
Illustrative only. Not an offer, solicitation or recommendation. Details, availability and eligibility depend on the issuing bank and your jurisdiction.
The idea
Combine several income instruments with different payment dates, such as real estate and agribusiness receivables certificates and listed credit funds, so that the basket produces a cash flow every month.
How it pays
- Monthly distributions from funds.
- Monthly or periodic interest and amortisation from the receivables certificates.
Main risks
- Credit risk: these are private debts. Defaults reduce income and capital. Diversification across issuers and sectors matters.
- Liquidity risk: some instruments trade rarely and may be hard to sell before maturity.
- Concentration risk in real estate or agribusiness cycles.
- Tax treatment differs by instrument and investor type. Check with a tax advisor.
Who it may suit
Experienced investors who want monthly income and accept private-credit risk in exchange for a higher yield than government bonds.
What we are building
Members will be able to assemble the basket, see diversification by issuer and sector, and view the expected payments for each month of the year.