Weekly Summary (July 13 to July 20, 2026)

The last week was eventful for anyone who follows the market. The dollar and the euro closed the period at $1.02 and $1.17, respectively, but what really matters are the daily variations and what they mean for your wallet. Let’s get to the point: how these numbers affect your portfolio and what you can do today to feel more at ease tomorrow.

Weekly Summary (July 13 to July 20, 2026)

1. Dollar and Euro Trend

  • Dollar: After a 1.2 % rise on Monday (driven by U.S. inflation data), the local currency managed to recover part of the ground lost over the last three days, thanks to an inflow of foreign capital into stocks. By Friday’s close, the dollar was at $1.02, almost 0.3 % below the week’s peak. In practical terms, anyone with dollar‑denominated debt or planning to travel abroad saw the “bill” become a little lighter.

  • Euro: The euro followed a more stable path, ranging between $1.16 and $1.17. The main reason was the lack of relevant economic news in the eurozone, which kept the pair in a narrow “range”. For those who buy imported European products or have euro‑linked investments, the variation was practically neutral.

2. central bank base rate and the Impact on Investments

The rate central bank base rate stayed at 13.75 % per year, as decided by the monetary policy committee in the last meeting (June 21). Keeping the rate high has two clear consequences:

2. Selic and the Impact on Investments

  1. Fixed income more attractive – Government bonds, certificates of deposit (CDs) and tax‑exempt bank notes continue offering returns above 13 % per year. For anyone still holding a portion of the portfolio in savings, the gap between 0.5 % on savings and 13 % on fixed income is huge. Switching savings to a central bank base rate Treasury bond can yield tens of thousands more over five years.

  2. Higher credit cost – Loans, financing and credit cards become more expensive. If you have debt, the golden rule remains: the higher the central bank base rate, the higher the interest you pay. Reducing the outstanding balance or renegotiating the debt becomes even more urgent.

3. Practical Tip for Individual Investors

Do a “currency review” of your portfolio. Open your control app (for example, FinMoovi) and see how much money is kept in local currency, dollars and euros. If most of it is in the local currency, consider allocating 5 % to 10 % to dollar‑linked assets (such as currency funds or ADRs of American companies) and, if you need protection against euro fluctuations, a small European‑currency fund may be enough. This simple diversification helps smooth the impact of exchange‑rate swings and also opens doors to profit opportunities when the currencies appreciate.

4. What to Expect Next Week

  • Exchange: The dollar is expected to stay around $1.02, but keep an eye on the upcoming U.S. inflation reports (now scheduled for 07/24). A number above expectations could push the dollar back to the week’s top.

  • Central bank base rate: There is no new monetary policy committee meeting until the end of August, so the rate should remain stable. However, the central bank may use the Rate Guarantee Fund to adjust liquidity, which could generate small short‑term interest movements.

  • Stocks: The main stock index is in moderate recovery, driven by commodities and technology sectors. If you have exposure to these areas, it might be a good time to analyze whether it makes sense to increase the position or simply stick to the long‑term plan.

Quick summary: Dollar in slight decline, euro stable, high central bank base rate keeping fixed income attractive and credit expensive. Review the currency allocation of your portfolio using FinMoovi – it tracks multiple currencies and helps you make more informed decisions. Next week, watch the U.S. inflation calendar and keep enjoying the returns of fixed income while protecting your wealth against exchange‑rate volatility. Have a great investment week!

Ready to track your investments? Try FinMoovi free for 7 days — in 5 minutes you’ll have a clear view of where your money is going.