O Banco RCI Brasil oferece um dos CDB ‘s mais rentáveis do mercado financeiro, ideal para reserva de emergência e rebalanceamento da carteira de investimentos.
O mundo passa por tempos bastante difíceis e todos brasileiros, assim como grande parte da população mundial, estão preocupados com o que vai acontecer, devido à crise econômica e de saúde, causada pelo novo coronavírus (covid-19).
O caos instaurado devido a pandemia, fez com quem a Taxa Básica de Juros (Selic) reduzisse para 3,75% ao ano, menor patamar desde sua criação.
Boas oportunidades na crise coronavírus:
Com isso, dentre as perguntas mais recorrentes, principalmente entre os investidores, é se ainda vale a pena investir na renda fixa, ou então, como fica a reserva de emergência com a taxa tão baixa. Segundo o Financista Fabrizio Gueratto do Canal 1Bilhão Educação Financeira, durante as crises, boas oportunidades aparecem:
“Enquanto alguns choram, outros estão vendendo lenço. Portanto, em crises também é possível achar uma saída e em alguns casos, uma excelente saída”.
Como investir em renda fixa com a Selic na baixa histórica?
A renda fixa, independente da Selic baixa, continua tendo sua importância para alocar investimentos ligados à reserva de emergência, por exemplo. Com isso, uma grande oportunidade surgiu em uma instituição financeira que é sólida e Triple A (AAA) pela agência Moody’s, eles trouxeram para seus investidores uma das melhores rentabilidades do momento, ligadas a renda fixa e com liquidez diária.
A iniciativa surgiu do Banco RCI Brasil, que é o braço financeiro das montadoras Renault e Nissan, por tanto trata-se de uma instituição segura e confiável, principalmente por ter duas grandes empresas por trás. Além disso, o produto possui a segurança do FGC (Fundo Garantidor de Créditos), que irá proteger até R$ 250 mil do dinheiro investido.
Rebalanceamento da carteira de renda variável:
Com a crise financeira que estamos passando, além do interesse em alocar a reserva de emergência, existe outro motivo para procurar investimentos com liquidez diária, neste caso, o rebalanceamento da carteira de investimentos, principalmente os investimentos de renda variável, como ações e fundos imobiliários, que durante a crise causada pelo coronavírus, estão sofrendo grandes volatilidades, mas, mesmo com isso, pode ser um bom momento de se aportar, já que os valores estão baixos.
Neste momento, entra a importância da reserva de oportunidade e rebalanceamento. “A nossa carteira de investimentos nunca fica estática. Você monta uma carteira dos investimentos em ações e depois faz pequenos ajustes destes investimentos.
Por exemplo, as ações caíram recentemente, e possivelmente irão cair ainda mais. Caso você queira investir em ações, mas ainda não queira entrar imediatamente porque não está confiante com as atuais instabilidades do mercado, é interessante deixar esse dinheiro em um CDB com liquidez diária. Por que fazer isso? Porque assim que que houver uma boa oportunidade de investimento, você pode resgatar o dinheiro e alocar no novo ativo da renda variável ou fundos de investimentos”.
Banco RCI Brasil:
Em comparação com investimentos mais conservadores, como por exemplo, os indexados ao CDI, o Tesouro Selic e a Poupança os rendimentos do CDB com liquidez diária e rendimento de 104% do CDI do Banco RCI Brasil se mostram como a melhor opção. Veja as contas a seguir:
CDB do Banco RCI Brasil
- Investindo R$ 1.000,00 em 1 ano
- 104% do CDI
- 3,22%
- Total: R$ 1.032,00
- Investindo R$ 10.000,00 em 1 ano
- 104% do CDI
- 3,22%
- Total: R$ 10.322,00
- Investindo R$ 50.000,00 em 1 ano
- 104% do CDI
- 3,22%
- Total: R$ 51.610,00
100% do CDI
- Investindo R$ 1.000,00 em 1 ano
- 3,09%
- Total: R$ 1.031,00
- Investindo R$ 10.000,00 em 1 ano
- 3,09%
- Total: R$ 10.309,00
- Investindo R$ 50.000,00 em 1 ano
- 3,09%
- Total: R$ 51.545,00
Tesouro Direto Selic
- Investindo R$ 1.000,00 em 1 ano
- 2,86%
- Total: R$ 1.029,00
- Investindo R$ 10.000,00 em 1 ano
- 2,86%
- Total: R$ 10.286,00
- Investindo R$ 50.000,00 em 1 ano
- 2,86%
- Total: R$ 51.430,00
Poupança
- Investindo R$ 1.000,00 em 1 ano
- 2,63%
- Total: R$ 1.026,00
- Investindo R$ 10.000,00 em 1 ano
- 2,63%
- Total: R$ 10.263,00
- Investindo R$ 50.000,00 em 1 ano
- 2,63%
- Total: R$ 51.313,00
Investimento mínimo para investir no CDB que rende 104% do CDI:
Além de ter boa rentabilidade, o CDB do Banco RCI Brasil é uma renda fixa acessível para muitas pessoas. Com apenas R$ 100,00, sem taxas e tarifas, já é possível começar a investir no CDB que rende 104% do CDI. O processo para abrir uma conta é feito 100% online, através do aplicativo, que é rápido e simples de usar, além de fazer a gestão dos investimentos.
Conheça o Banco RCI Brasil clicando aqui.
Leia também: “MITOS E VERDADES sobre passagens aéreas MAIS BARATAS em vôos NACIONAIS E INTERNACIONAIS! “.
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