CURITIBA (PR) – The 0.25% cut in the Selic rate, which set the basic interest rate at 14.25% per year, raised the alarm about the need for a strategic repositioning in investment portfolios. Although the move by the Monetary Policy Committee (Copom) was anticipated, the caution signals indicate that the monetary easing cycle will be gradual, keeping Brazilian real interest rates at historically high levels and configuring a window of opportunity for investors before rates accelerate their decline. The scenario requires special attention to inflation. The most recent projections from the Focus Bulletin indicate inflation of 5.20% for 2026, a level that is above the stipulated target ceiling of 4.5%. With the Selic fixed at 14.25%, the implicit real interest rate (the Selic rate discounted for expected inflation) remains at around 9% per year, consolidating itself as one of the highest real returns on the global market. For those looking to optimize equity income without giving up legal security, technical analysis points out that remaining exclusively in post-fixed assets linked to the CDI can erode real gains in the medium term. This occurs because the market already prices Selic at 13.50% at the end of 2026 and at 11.50% in 2027, while projections for the IPCA remain above 4% for the same horizons. In this context of slow transition, experts point out that the ideal strategy involves migrating part of the capital to fixed income investments fixed or indexed to inflation (IPCA+). Among the options available in the private market that offer predictability and attractive profitability, the Bank Deposit Certificates (CDB), Real Estate Credit Letters (LCI) and Real Estate Receivables Certificates (CRI) offered by Banco Bari stand out, which combine regulatory solidity with tax efficiency. For Giuseppe Moro Barra, Bari's fundraising coordinator and financial expert, the investor needs to act strategically: "The investor is more sophisticated, but the temptation to keep all capital in floating rates focusing only on the CDI can shield the short term and compromise the future. The scenario designed by the Focus Bulletin projects a gradual fall in the Selic combined with persistent inflation above 4%. For those who stay 100% in floating rates without indexation, this scenario represents a progressive loss of premium. There is a clear window of opportunity now to lock in high real rates on bonds fixed or indexed to IPCA+ before the cutting cycle deepens and these conditions fall off the radar." ABOUT THE ORGANIZATION Banco Bari is a solid and transparent Brazilian financial institution, with more than R$3 billion in credit granted. Specialist in structured credit, Banco Bari is a national reference in the property secured loan segment, also known as Home Equity. In the investment market, it operates focused on the fixed income area, offering safe, profitable alternatives and aligned with macroeconomic cycles to make its clients' assets pay off intelligently.