Who never had a piggy bank as a child and learned the importance of saving? Savings have always been seen as the traditional way of saving money and preparing for emergencies.
However, there is a new alternative that offers security, immediate redemption and significantly higher yields.
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A savings, despite being a national tradition, it is far from being the best investment option for those looking for more robust profits and financial security.
There are financial products on the market that provide all the benefits of savings, but with much higher profitability.
It is a national tradition when it comes to emergency reserves and safe investment. However, its yields have been consistently low, especially when compared to other alternatives available on the market.
(Image: Empiricus/Reproduction)
The formula for calculating savings income is based on the country's basic interest rate, the Selic. Savings yield 70% of Selic + TR (reference rate). When Selic is higher than 8.5% per year, savings yield only 6.17% + TR.
There are financial products that offer everything that savings provide in terms of security and liquidity, but with much higher profitability.
Such investments are ideal for emergency savings and can yield almost twice as much as your savings account. See some examples below:
(Image: Empiricus/Reproduction)
O Treasury Direct It is one of the most accessible and safest options for overcoming savings income. Public bonds such as the Treasury Selic offer profitability close to the Selic, with low risks.
Furthermore, the Bank Deposit Certificates (CDBs) Daily liquidity options are another attractive choice. Some CDBs from solid banks can pay up to 101.75% of the CDI (an index close to the Selic), maintaining security and the ability to redeem the money at any time.
When opting for a CDB as an emergency reserve, it is essential to consider three factors:
Immediate liquidity: make sure the investment offers immediate redemption, which is crucial to meet financial emergencies;
Banking security: choose a solid and reliable bank to minimize risks;
Attractive profitability: look for CDBs that offer competitive returns, surpassing traditional banks.
A realistic simulation demonstrates how a CDB with daily liquidity surpasses savings. Investing R$10,000 in a CDB D0 can result in R$11,388 in one year, while the same amount in savings would only yield R$10,762.
The difference is due to the higher profits from CDB D0, which reached 101.75% of the CDI last year, compared to the meager 7.62% of savings.
This significant percentage margin tends to increase over time, making the CDB daily liquid a smart choice for those looking for better income with security and easy access to money.
Savings, although traditional, no longer offers the best profits for your money. Alternatives, such as Tesouro Direto and CDBs with daily liquidity, provide greater profitability, security and immediate liquidity.
So, for those who want to make the most of their money, it's time to consider options other than savings.
