The Monetary Policy Committee (Copom) raised the basic interest rate to 13.25% this Wednesday (15), a move that is part of the Central Bank’s policies to try to contain inflation. As a result, savings, treasury and fund yields change.
The request of CNN Brasil Business , Michael Viriato, strategist at Casa do Investidor, carried out a survey that shows how much an investment of BRL 1,000 yields with the new Selic rate. The list presents values in percentages and in reais on savings, Treasury Direct, CDBs and DI funds, which have a predetermined yield and follow the CDI (Interbank Deposit Certificate).
Although management fees vary between funds and brokers, the simulation considered 0.5% for funds and 0.2% for the Selic Treasury. The Treasury Selic custody fee, charged by B3, is currently set to zero for investments of less than R$10,000.
The simulation showed that the savings it is the worst investment in both the short and long term. In six months, the investment reaches R$1,041.97 and, in 30 months, to R$1,228.22.
On the other hand, the best investment in both periods is the Medium bank CDB (110% of CDI). In the short term, R$ 1,000 reaches R$ 1,054.56, while in the long term it is R$ 1,336.30.
See the comparison in real and percentage:
Source: CNN Brasil
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