A survey carried out by Michael Viriato, strategist at Casa do Investidor, for the CNN Brasil Business about how much an application of R$ 1 thousand with the new basic interest rate (12.75%) pointed out that both in the short and long term, the Medium bank CDB is the best option .
According to the study, the best application considers 110% of CDI (Interbank Deposit Certificate), a security issued in operations carried out between banking institutions.
The Monetary Policy Committee (Copom) decided for the 10th consecutive time to raise the Selic rate to 12.75%. The Central Bank opted, at its third meeting of 2022 – this Wednesday (4), for a 1 percentage point increase.
In this way, the yields of the main fixed income investments change. Considering an investment of R$ 1 thousand in the CDB of an average bank – the best option – over six months, for example, the value at the end of the period is R$ 1,052.54; of 30 months, R$ 1,322.43.
And the worst investment is savings, with a yield of R$ 1,036.19 in the short term and R$ 1,194.56 in the long term.
See the complete comparison in real and percentage:
In Viriato’s simulations, management fees of 0.5% were determined for funds and 0.2% for the Selic Treasury, but this charge may vary between funds and brokers.
It is also worth noting that the Selic Treasury custody fee, charged by B3, is currently set to zero for investments of less than R$10,000.
Source: CNN Brasil
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