Currently, who keeps the money in savings can be losing money frequently. Most of the time, the investor maintains the safest standard, which was advantageous at a certain time, but experts point out that leaving money in savings means having a financial loss.
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There are other proposals in the investment market that can be as safe as the savings account, but yielding a much higher percentage at the rates presented.
Savings yields about 6.39% annually, while the Treasury Selic, from the Direct Treasury, yields 11.34% per year with the Income Tax discount. It is worth mentioning that the Direct Treasury is even safer than the savings account itself.
For example, the amount of R$ 1,000 invested in savings will yield, in one year, about R$ 64. In the Selic Treasury, the same amount invested for the same period would yield BRL 113, that is, BRL 49 more than savings.
Considering the current rates of savings and the Selic Treasury, these would be the possible amounts that the investor would lose annually with the money in savings:
With a guarantee of security, the investor may have two options for migrating: the Selic Treasury and the DI type investment fund.
The DI fund is the most practical form of investment, so you have to consider that it will only be worth it if the management fee is lower than expected. If the rate is 1.5% or less, the advantage is reasonable compared to the savings account. As a precaution, ask your bank advisor or manager what the lowest rate is.
To carry out the application in the Selic Treasury, it will be necessary to have a brokerage account. Consult your bank manager for the step-by-step procedure. Applications can be made completely free of charge and independently, directly at the brokerage firm. At the time of applying the money, securities will be purchased and the investor will be able to choose the year in which he will withdraw the amount together with the income.
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