What should I know before investing in CDBs?
Oh Bank Deposit Certificate (CDB. This is a fixed income title issued by banks to finance their activities. By investing in this application, you will give money to the bank and in turn, receive the benefit of agreed at the time of application. This yield can be pre -fixed, post -fixes or hybrid, and seats provide different expires and minimum values.
One of the main benefits of CDB is guaranteed Credit Guarantee Fund (FGC)This ensures up to the CPF and financial institution up to the bank’s bankrupt bank. With Selic 14,25% AAIt becomes more attractive for investors who want Able to be unmarried and relatively safe returns.
What do you need to know before investing?
Before applying your money to CDBs, it is essential to understand how they work and their characteristics. Profitability may vary according to the selected type. Us Pre -fixedThe interest rate is set at the time of purchase and does not change over time, which provides ability attendance.
Already Post-FixThe yield is connected to the indicator of cherick or InflationAnd the final value may vary depending on the interest rate.
It is important to assess the expiration period of the CDB, because in general, longer, longer, greater profitability, but without significant losses, the money is greater.
Another important thing is to Check the title of the title. Those with daily liquidity will always allow freedom, but those with a fixed deadline provide greater profitability, but the investor must wait until the maturity.
The tax of Income tax This is also a matter of consideration because it varies according to application time, rates from 15% to 22.5%.
The main advantages of choosing CDB
The main advantages of this title are their safety and FGC warranty. Another positive thing Return ability attendanceEspecially in pre -established CDBs, the investor allows them to plan their profits more accurately.
In addition, with selic at 14.25% AA, it has been shown to be an attractive alternative to those who want to track the post-flexed CDB interest rate and further align with the monetary policy.
Compared to other fixed income options, CDB offers more profitability than generally Saving E. Farms dMore access is an alternative to those who want to start investing with fewer values.
For whom is this kind of investment ideal?
CDB This is a good choice Conservative investors It wants to seek security and ability attendance, as well as those who want to invest in a short or medium period. It is also suitable for those who already have a different wallet and are looking for less risk investment to balance their applications.
People The profile is thrown They can choose more CDBs with more attractive rates, while others may prefer daily liquidity CDBs. Due to its FGC warranty, it is an interesting option for those who start investing and require options at low risk.
Why do you need to know this?
Knowing the characteristics and benefits of the CDBs for those who want to start or diverse their investments, especially in the economic scenario where there is a high Sericard. Furthermore, Knowing how to choose the right type for your risk profile and financial goals can help you increase your income safe and efficiently.
