POUPANÇA rende SELIC e está PERDENDO para a INFLAÇÃO? MEU DINHEIRO VALE MENOS e causa PREJUÍZO?

Após uma séria de cortes, o Comitê de Política Monetária (Copom) realizou mais um corte na Selic. A taxa que iniciou o ano em 6,5%, encerra 2019 em 4,5%.

Recentemente, após uma séria de cortes, o Comitê de Política Monetária (Copom) realizou mais um corte de meio ponto percentual na Selic ou na taxa básica de juros brasileira. A taxa que iniciou o ano em 6,5%, encerra 2019 em 4,5%. Com os recentes cortes, os investimentos de renda fixa, como Tesouro Direto Selic, NuConta do Nubank e CDB’s que rendem 100% do CDI, como do Banco Inter, por exemplo, têm seus rendimentos comprometidos. Além disso, a Poupança acaba por também ser afetada com o novo corte da Selic realizada pelo Copom.

Taxa Selic

Como explica Fabrizio Gueratto, Financista do Canal 1Bilhão Educação Financeira. “Quando a Selic está abaixo de 8,5% a poupança sempre vai render 70% desse valor + a Taxa Referencial, que hoje é zero. Dessa forma, agora o seu rendimento anual é de 3,15%. Se você for comparar com a inflação acumulada dos últimos doze meses, que é de 3,27%, o seu dinheiro vai render menos do que os preços aumentam. É o fim da poupança. O brasileiro precisa se mexer para buscar novos investimentos e em breve irá impactar também os CDBs com liquidez diária”, comenta.

Com os cortes recentes, o CDI está agora em 4,4%, o que segundo Gueratto, também deve afetar os investimentos com rendimento baseado no CDI, que hoje costumam ser um pouco mais vantajosos, já que rendem 100% da taxa.

CDI e CDB

“Considerando essa mesma inflação, em breve, se a taxa Selic continuar caindo, alguns investimentos que rendem 100% do CDI também perderão para a inflação. Hoje CDBs que rendem 90% da taxa DI, fáceis de encontrar nos grandes bancos, já empatam com a inflação, quer dizer, têm ‘ganho real’ igual a zero”, afirma. O Financista pontua que o investidor que deseja maior rentabilidade, precisará sair da zona de conforto e arriscar mais. “Agora, a grande maioria dos brasileiros que investem serão obrigados a se movimentar para buscar outras opções, isso se não quiserem perder dinheiro”.

Vale a pena investir na Poupança?

Hoje, a poupança no Brasil conta com R$ 825 bilhões aplicados. Segundo o Serviço de Proteção ao Crédito (SPC Brasil), pelo menos 66% das pessoas que guardam dinheiro o fazem na caderneta de poupança. Gueratto ainda explicou melhor sobre como a inflação pode corroer os ganhos.

“Vamos supor que você tenha R$ 2 mil guardados na poupança por um ano e agora quer comprar um celular de mesmo valor. No cenário atual da poupança, você não conseguiria comprar esse celular, pois os seus R$ 2 mil, valeriam R$ 2.057,83 em um ano, mas o preço do celular passaria para R$ 2.072,00, se levarmos em consideração a inflação atual”, diz.  

“São mais de R$ 820 bilhões ‘investidos’ na poupança, que serão ‘comidos’ pela inflação. O brasileiro que estiver neste investimento ficará mais pobre”. O Financista alerta que é importante a compreensão do investidor sobre o prejuízo, e que não é uma simples questão de não render muito. “Não é uma questão de ganhar mais, mas de deixar de perder dinheiro”, finaliza.

Leia também: “POUPANÇA AGORA CAUSA PREJUÍZO PARA O INVESTIDOR”

você pode gostar também
112 Comentários
  1. Greetings! Verry usefuhl dvice within this post!
    It is the little changrs tuat mwke thee biggest changes.
    Thanjks forr sharing!

  2. I have read a feww excellentt stuff here.
    Definitely worth bookmarking for revisiting. I wonder how soo mucfh attempt you
    sset to create ssuch a wonderful iinformative website.

  3. 100 4096.MOV Diz

    What i don’t rrealize iis in truth how you aare not reallly muich more well-favored than you may
    bee right now. You’re very intelligent. Yoou realize ths considerably iin relation to this topic, mde mme personally
    imaginee it frrom numerous varied angles.
    Itts like men aand woen aren’t fazscinated until it’s something
    to accomplish ith Girl gaga! Youur own stufdfs excellent.
    At alll times takke care oof it up!

  4. Biggwhitedaddy EbonySlut Diz

    Thank for ones marvelous posting! I genuinely enjoyed readng it, you mmight be a great author.I wull mak
    surre to bookmark your bllg and definitely willl copme bak at some point.
    I ant to encourage yourself to continue your greatt work, hav
    a nice afternoon!

  5. porncaine.com Diz

    Valable info. Foortunate mee I dkscovered your web sitye by chance, and I am shockked why this coinciodence
    did nott tookk place earlier! I bookmarkewd it.

  6. porncaine.com Diz

    Excellent article. I’m dealping with some off thsse issues as well..

  7. https://porncaine.com Diz

    Thank you, I’ve just been searchingg forr info pproximately thiss topic for a long timke and yourrs is the greatest I have discoveted so far.
    However, what abgout the bottom line? Arre youu positive concerning tthe supply?

  8. Shayla Diz

    Pretty polrtion of content. I simply strumbled upon your sitye and in accession capitall to claim tuat I geet
    in fact enjoyed account your weblog posts. Anyway I
    will be ubscribing on your augmesnt annd evenn I fulfillment you get entry to consistently fast.

  9. hotspicy.win Diz

    Hi, Neat post. There iis a problem with your website in internet explorer, mayy check this?
    IE nonetheless iis the market chief and a large patt of other fllks woll leafe out ylur exccellent wriring due too this problem.

  10. xmoviez.win Diz

    My brother suggested I woud possibly like this website.
    He used to bee entirely right. This poost actually made
    my day. Yoou cann’t beliefe just how a lot tume I hadd splent forr thhis info!
    Thanks!

  11. Whatt i do not realize is in truth how you’re nnot actually a
    llot more neatly-favored than you might be now. You’re sso intelligent.
    Youu realize therefore considsrably relating to this topic, made mee for my part
    consider iit from a lot off varied angles. Its likke mmen and
    women don’t seedm too be involved unless it is one thing tto ddo with Ladyy gaga!
    Yoour personal stuffs great. All the time take care
    of itt up!

  12. Valentin Diz

    Can you telol us moore aboput this? I’d love tto fnd out moore details.

  13. 171 Diz

    Does your blog haqve a contact page? I’m havging
    trouble locating it but, I’d like to snoot you ann e-mail.
    I’ve got some suggestions for your bblog yyou migvht
    be interested in hearing. Either way, great blog and I look forward tto seeing itt
    grow over time.

  14. 811 Diz

    Woah! I’m reakly digging thhe template/theme oof this blog.
    It’s simple, yyet effective. A lot of times it’s challenging to get that
    “perfect balance” between user friendliness aand visual appeal.
    I must say you’ve done a fantastic jjob with this. Also,
    the blog lozds super quihk for me on Chrome.
    Exceptional Blog!

  15. 125 Diz

    Prett section of content. I jyst syumbled upon yyour website and in accession capital tto assert that I acquire
    actually enjoyhed account yur blogg posts. Anyway I’ll
    be subscribing tto your augmeht and even I acievement you acces consistently
    quickly.

  16. 562 Diz

    Thanks for sharing yokur thoughts. I really appreciate our efforts annd I am waiting ffor your furtner wite upss thnank you once again.

  17. 584 Diz

    Thanks designed for sharing such a fasridious thought, arrticle is nice, thats
    why i have read itt fully

  18. tinyurl.com Diz

    I’m gone tto ssay too my little brother, that he shoud also go
    to seee this blkog onn regular bassis too obtain updated fom latest gossip.

  19. Leopoldo Diz

    It’s actially a nice and helpfull piece of information. I’m glad that
    yyou just snared this hellful information with us. Please eep uus inbformed like
    this. Thank yyou for sharing.

  20. 红色内衣 Diz

    Today, I went tto the beach fromt with my kids.

    I found a sea shell and gavfe itt to my 4 year old daughterr and swid “You can hear the ocean if you put this to your ear.” She put the shel tto her ear
    and screamed. There wwas a herkit crab inside and it
    pinched her ear. She never wants to go back! LoL I know this is entirely off topic but I had to tell someone!

  21. ming xi Diz

    First of all I want to say awersome blog! I had a qick question in whch I’d like to ask if yoou
    don’t mind. I was curious to know how you center yourself and clear your head
    prior too writing. I’ve had a difficult time clearing my mind in gettiung my ideas out there.
    I truly ddo enjoy writing butt it just seems like the first 10 too 15 minuts aare usually lost simply
    just trying to figufe out hhow to begin. Any deas or hints?
    Appreciate it!

  22. 潜水衣 Diz

    An interesting discussion iss worth comment. I
    doo think tthat yyou ought tto writ more onn this subject, it maay not
    be a tboo subject but generally people don’t talk about suchh topics.
    To thee next! Manny thanks!!

  23. 278 Diz

    Just want to say your articlee is as surprising. The clearness in yojr post iss
    simly ice andd i can assume you aare ann exxpert oon this subject.

    Finne with your permissaion allow me to grab our feed tto keep up
    to date with forthdoming post.Thanks a milllion and pkease coontinue the rewardingg work.

  24. 056 Diz

    Hi everybody, hre evrry one is ssharing these familiarity, therefore it’s niice to read thjis webpage, and I useed to go
    tto see thhis website everyday.

  25. 012 Diz

    Thiis design is steller! You most cetainly knopw hoow tto
    keep a readder entertained. Between your wit andd your videos,
    I waas almost mved tto start mmy oown blogg (well, almost…HaHa!) Excellent job.
    I really loved wwhat yoou had to say, aand moree than that, hhow you presented it.
    Tooo cool!

  26. 502 Diz

    What’s up tto all, thhe contents existingg att this webb pagye aree actually amazzing ffor people knowledge,
    well, keep up thhe god wofk fellows.

  27. An impressive share! I have just forwarded thgis ontto a friend who has
    been doing a little research on this. And he in fact ordered me breakfast
    due tto tthe act that I found it forr him… lol. So leet mme reword this….
    Thwnk YOU for the meal!! But yeah, thanks for spending thee
    time to discuss this toppic her oon youyr website.

  28. ville de montr Diz

    An impressive share! I have juet forwarded this onto a coworker who has been conductikng a little homework on this.
    Andd he actually ordered me breakfast simply because I
    discovered it forr him… lol. So allow mee to reword this….
    Thank YOU for the meal!! Buut yeah, thanks forr spending some time to talk about this topic
    her on your blog.

  29. 1 inch pvc connector Diz

    Nice post. I learn something totally new and challenging on websites

  30. polyethylene black pipe Diz

    I’m often to blogging and i really appreciate your content. The article has actually peaks my interest. I’m going to bookmark your web site and maintain checking for brand spanking new information.

  31. black pe pipe fittings Diz

    Awesome! Its genuinely remarkable post, I have got much clear idea regarding from this post

  32. 1 inch pvc union Diz

    This is my first time pay a quick visit at here and i am really happy to read everthing at one place

  33. sex cams Diz

    We’re a bubch off volunteers aand starting a new scheme iin oour community.

    Your website provided us with helpful informaion too wor on.
    You’ve performed a formidable task andd ouur whole neighgborhood caan be grateful too you.

  34. Ezra Diz

    Howdy, There’s nno doubt that our web siute might bbe aving browser compatibility problems.
    When I taake a lolk at yur blog in Safari, iit looks fine however, when opening in IE,
    it’s gott some overlapping issues. I merey wante to provide you with a quixk eads up!
    Asidxe from that, wonderfull site!

  35. 877 Diz

    Having read this I thought it was extremely enlightening.

    I appreciazte yyou spendxing some time andd energy to put tjis artjcle together.
    I once again find mysewlf pending a significant amouunt of tiime both reading and commenting.
    But so what, itt waas stil wprth it!

  36. ai-porn.click Diz

    Eveeryone loves it wenever people get togeyher annd shqre ideas.
    Great site, kdep it up!

  37. armpit japanese Diz

    I really likee yourr blog.. very nife colors & theme. Didd yyou
    ceate this wewbsite yourseslf orr ddid youu hire someonne tto ddo itt ffor you?
    Plzz respond ass I’m loojing tto construct my own blig and woul lijke too
    know where u got this from. thanks a lot

  38. Ada Diz

    Fantastic goods frdom you, man. I habe undrstand your stuf previus to and you are juist too wonderful.
    I actually like what you’ve cquired here, really likke what
    youu are saying andd thhe way iin which yoou say it.
    You make itt enjoyable aand youu stilll take care off to
    keep itt smart. I csnt wait tto rwad much more from you.
    Thiss is really a tremendous wweb site.

  39. Alfie Diz

    Hey! I just wawnted to aask iff yyou ever have any troubl with hackers?
    My last blog (wordpress) wass hacked andd I ensed up losing a feew
    month oof hard wolrk due too no backup. Do yoou havce any solutions to sto hackers?

  40. I know thios websitee gives qquality depending postrs and othner
    material, is there aany other site whichh giveds tthese kindds oof stuff
    inn quality?

  41. you’re truly a just right webmaster. Thee website loading velocity iss
    incredible. It seeems hat you are doingg any unique trick.

    Furthermore, Thee clntents aare masterpiece.
    you have dolne a excsllent jobb on this subject!

  42. I like thhe helpful info you provide in yolur articles.
    I’ll bookmark your bblog aand check agawin here regularly.
    I am quitye sure I wiol learn manby new stuff rright here!
    Goood lucck for the next!

  43. Hi there, I found your blog by the uuse oof Google while searching for a comparable matter, your wweb site came up, it appears great.
    I have bookmjarked it iin mmy google bookmarks.

    Hello there, juzt became alrrt too your blog througvh Google, and located that it iss truly
    informative. I’m gonna wstch out for brussels. I will be grateful in thhe
    event yoou proceed this in future. Numerous pople shall be bdnefited out of yohr writing.

    Cheers!

  44. Goodd day! Would you mind if I sharde your blog witth mmy
    zynga group? There’s a loot oof pwople that I think woulld reeally enjoy your
    content. Please let me know. Many thanks

  45. Nice post. I learn smething neew andd challenging on bloigs I sumbleupon oon a
    daily basis. It will always bbe interesting too rewd articles from other writers andd practfice something
    from their web sites.

  46. Aw, tbis wwas an incredibly good post. Spending somme time annd actrual
    effort to generate a very good article… butt what caan I say… I puut things off a whole lot
    andd never sem too gett anything done.

  47. russianmanagement.com Diz

    Психическое здоровье включает
    в себя наше эмоциональное, психологическое и социальное благополучие.
    Это влияет на то, как мы думаем, чувствуем
    и действуем. Оно также помогает
    определить, как мы справляемся со стрессом, относимся к другим
    и делаем здоровый выбор.

    Психическое здоровье важно на каждом этапе жизни: с
    детства и подросткового возраста до взрослой
    жизни.ние) — специалист, занимающийся изучением проявлений,
    способов и форм организации психических явлений личности
    в различных областях человеческой деятельности для решения научно-исследовательских и прикладных задач, а также
    с целью оказания психологической помощи, поддержки и
    сопровождения.

  48. 61uvjrb7 Diz

    cehhenemgeridondu.uKw74HVpuxWQIey1

  49. freetaxi a6z4ENVg Diz

    uzuleceksinizya.Zqp5RLMc9QSf

  50. sexax Diz

    pompaqe.JvF4wfA5ZFzX

  51. bahis siteleri child porn Diz

    tornadodanselam.Q0H0d5040wgm

  52. sexx Diz

    kenaragecin.boDu7yK68iro

  53. eski rahatiniz olmayacak Diz

    vurucuteamgeldi.BEHT3QXRV8kY

  54. eskort siteleri Diz

    vurucuteamgeldi.XW5bYeUXnYQs

  55. presanctified Diz

    xyandanxvurulmus.DT1ZCYpbxYk5

  56. sigher Diz

    xbunedirloooo.xOYSINIrRL0G

  57. horsemeat Diz

    horsemeat xyandanxvurulmus.W3dQnJ8q4ty3

  58. laughter Diz

    laughter xyandanxvurulmus.spfJNvWZGQOV

  59. house porn Diz

    viagra vurgunyedim.0cfZn19d32ke

  60. sexax Diz

    seks siteleri yaralandinmieycan.OsS3qDFkyR0V

  61. sektor benim zaten amin evladi Diz

    bahis siteleri porn sex incest citixx.EwQ7ar3R7k0G

  62. bahis siteleri sikis Diz

    food porn hyuqgzhqt.hQ0qhcWvDttW

  63. bahis porno Diz

    fuck ewrjghsdfaa.hgAhxo6FxQjW

  64. watch porn video Diz

    seksi siteler wrtgdfgdfgdqq.ZK9wsjZbDxNY

  65. watch porn video Diz

    porn sex pompadirha.86sxAM0K0hfC

  66. seks siteleri Diz

    pornhub bahis siteleri asillartaklitler.oAavMQyRaxcm

  67. porno Diz

    bahis siteleri child porn hephupx.bXgGqV4H7ckk

  68. anal sikis siteleri Diz

    porno hepxhupx.csVimCbf68KZ

  69. escort Diz

    childrens sex juljulfbi.sg3hz2XEDAdz

  70. sexax Diz

    childrens sex bjluajszz.qNimsV5lsRAf

  71. seksi siteler Diz

    porn sex bxjluajsxzz.QbwtfkhybJ8a

  72. porno siteleri Diz

    seks siteleri 0qbxjluaxcxjsxzz.GJMvgjmObaQt

  73. watch porn video Diz

    house porn pokkerx.IZyjFATKqdeR

  74. bahis siteleri porn Diz

    sexax footballxx.CldHWKYjkBL3

  75. eskort siteleri Diz

    childrens sex mobileidn.b3H4jDJJowjM

  76. sexx Diz

    viagra bingoxx.LrD6qsNr1dCF

  77. viagra Diz

    BİZİ SİK BİZ BUNU HAK EDİYORUZ 250tldenemebonusuxx.gwLDllcRDXyO

  78. porn sex Diz

    porno siteleri eyeconartxx.R6vbEj37CiB3

  79. am siteleri Diz

    bahis siteleri incest category vvsetohimalxxvc.GxZSTevY5xO7

  80. porno izle Diz

    am siteleri tthighereduhryyy.cHVtGzy3Hdw

  81. www.porn hd video download Diz

    hd po4n gghkyogg.jeJKGDRA390

  82. porn star 4k video Diz

    porn full hd videos download ggjennifegg.LbXEO4ik61V

  83. sex video download in hd Diz

    hdpor download ggjinnysflogg.N1xujrntSEj

  84. Kolay yemek tarifleri Diz

    kolay yemek tarifleri

  85. fashionflag porn 4k sex Diz

    fashionflag full hd video sex fashionflag.tv1CpsX6llm

  86. goodhere Webcam Diz

    goodhere Fisting porn vurucutewet.xw5OXbWLbVB

  87. ladyandtherose Creampie porn Diz

    ladyandtherose Casting porn backlinkseox.TrCA7y2azal

  88. jenniferroy 面白いセックスポルノ japanesexxporns.K9jfNHCfOW9

  89. landuse VR porn Diz

    landuse Gangbang porn lancdcuse.2YMpIsrOAfs

  90. falbobrospizzamadison MILF porn jkkıjxxx.Ve4B8RaIKow

  91. bbw अश्लील Diz

    कार्टून अश्लील qqyyooppxx.lhORaxjVKkX

  92. अरब अश्लीलता के बा hjkvbasdfzxzz.5H9cinuOHYz

  93. begeni satin al Diz

    instagram begeni satin al

  94. शौकिया अश्लीलता txechdyzxca.XNqXW2tTDsN

  95. हेनतई, एनीमे पोर्न hkyonet.p6vLIm2WPJX

  96. ਅੰਤਰਜਾਤੀ ਪੋਰਨ madisonivysex.NAUDq60bGDl

  97. ladesbet ਕਾਰਟੂਨ ਪੋਰਨੋਗ੍ਰਾਫੀ ladesinemi.nBNZtoLwnLq

  98. ladesbet 三人組ポルノ Diz

    ladesbet 手コキポルノ ladestinemi.ur0lGhR134Q

  99. marsbahis Diz

    Marsbahis Giriş için sitemizi ziyaret edebilirsiniz

  100. marsbahis Diz

    Marsbahis dünyanın en güvenilir bahis sitesi

  101. ganobet giriş Diz

    güncel ganobet giriş adresine sitemizden ulaşabilirsiniz

  102. ランダムポルノ .9XYGIDXwRPe

  103. kidzkaboodle pov ਪੋਰਨ Diz

    pov ਪੋਰਨ .B2h4zBrDW58

  104. ਹਾਰਡਕੋਰ ਪੋਰਨੋਗ੍ਰਾਫੀ .rVEZ1BnZ7OE

  105. ਅਰਬ ਪੋਰਨ .KdHfkZCjhlU

  106. ਗਰੁੱਪ ਸੈਕਸ ਬਾਰੇ .jdo2e3IhdKe

  107. ヘンタイ, アニメポルノ .WrOXlpymuMq

  108. ਵਾਲਾਂ ਵਾਲਾ ਪੋਰਨ .B1COaTyW05X

  109. أنابيب MLC Diz

    Cast Iron Pipes : Durable and soundproof, cast iron pipes are used in drainage systems. ElitePipe Factory in Iraq delivers top-tier cast iron pipes.

  110. أنابيب FRP Diz

    uPVC Pipes : Unplasticized PVC pipes are rigid and strong, used in various infrastructure projects. ElitePipe Factory in Iraq is a leading supplier of uPVC pipes.

  111. boner juice Diz

    TjjEwRxKJGy

Deixe uma resposta

Seu endereço de email não será publicado.