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With an Initial Contribution of R$ 20 Thousand and Monthly Contributions of R$ 300, an Investor Can Accumulate a Good Amount in 5 Years Using Nubank’s Savings Boxes
A simple investment, made with discipline and consistency, can yield good results in a few years in the Nubank Savings Boxes.
This was shown by a simulation made by the Pipoco Investidor channel.
In the video, he analyzed the return of an initial investment of R$ 20,000, combined with monthly deposits of R$ 300 over five years.
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The result surprises those who still think that investing is only worthwhile with large amounts.
The Chosen Savings Box: Nubank’s Immediate Redemption
For the simulation, the “immediate redemption savings box” from Nubank was used. This investment option currently offers a return of 100% of the CDI.
The CDI for the simulation was 14.9% per year, which corresponds to a monthly rate of 1.16%.
The savings box is considered a safe alternative with daily liquidity, meaning that the money can be withdrawn at any time.
- Initial Investment: R$ 20,000
- Monthly Contribution: R$ 300
- Duration: 5 Years (60 Months)
- Return: 1.16% per Month
Total Invested and Gross Return
Over the 5 years, the total amount invested — adding the initial amount and all monthly contributions — reaches R$ 38,000. This is the amount that effectively comes out of the investor’s pocket throughout the period.
With the rate of 1.16% per month, the simulation shows that the gross accumulated return at the end of the 5 years would be R$ 27,889.96.
This amount represents the earnings obtained from the compound interest of the investment.
It is important to remember that the gross return does not yet consider mandatory deductions, such as income tax.
Income Tax Reduces Final Return
Since this is an investment subject to income tax, it is necessary to consider the deduction. In the case of investments with a term longer than two years, the income tax rate is 15%.
Applying this rate to the gross return, the deducted amount was R$ 4,183.49.
With that, the net return — that is, what effectively goes into the investor’s account as gain — amounted to R$ 23,706.47.
This is the actual profit obtained over the five-year period, after paying all taxes.
Final Result: Over R$ 60 Thousand Accumulated
Adding the amount invested over the 5 years (R$ 38,000) with the net return (R$ 23,706.47), the total accumulated in the savings box at the end of the term is R$ 61,706.47.
This amount can serve various short- and medium-term goals.
- Making a down payment on the purchase of a house or apartment
- Buying a car outright
- Building an emergency fund
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