The Monetary Policy Committee (Copom) of the Central Bank (BC) decided to maintain, this Wednesday (1st), the basic interest rate, the Selic, at 13.75% per annum.
With the decision, investments in post-fixed fixed income, which follow the rate, tend to remain attractive, according to a survey carried out by the strategist at Casa do Investidor, Michael Viriato, at the request of CNN .
The survey points out that, considering an investment of R$ 5,000 (five thousand reais), both in the short and long term, savings is the worst investment. In six months, the application reaches R$ 5,212.25 and, in 30 months, R$ 6,155.23.
The best yield is the average bank CDB (110% of the CDI), whether considering six or 30 months. In the short term, the BRL 5,000 goes to BRL 5,282.91, while in the long term it is BRL 6,751.25.
The list presents values ​​in percentages and in reais on savings, Direct Treasury, CDBs and DI funds, which have a predetermined yield and accompany the CDI (Interbank Deposit Certificate).
And, although management fees vary between funds and brokerages, the simulation considers a fee of 0.5% for DI funds and 0.2% for the Selic Treasury.
The Selic Treasury custody fee, charged by B3, is currently zero for investments of less than R$10,000.
Check the income projections.
Source: CNN Brasil
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