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Changes to savings account remuneration rules will directly impact millions of Brazilians who trust in this type of investment
Get ready for a financial shock! new decree from the Central Bank arrives with full force and directly hits the savings from Caixa, Itaú and other banks, bringing profound changes to the yield on savings accounts. This adjustment in the remuneration rules has everything to affect the pockets of those who consider savings as their main form of investment.
A decision comes amid a scenario of high and declines in the Brazilian economy, with the Selic rate being a central factor in this equation. After all, the yield on savings is directly linked to the behavior of this basic interest rate, which is periodically reviewed by the Monetary Policy Committee (Copom).
The impact of the new Central Bank decree on savings
O new decree from the Central Bank aims to adjust the rules for remunerating savings in various financial institutions, such as CEF, Itaú and other large banks. The changes aim to align savings income with variations in the Selic rate, with a focus on promoting more dynamic adjustments that are more appropriate to the current economy.
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Currently, with the Selic rate at 10,75% per year, savings from Caixa, Itaú and other banks yield 0,5% per month plus the Reference Rate (TR). For many Brazilians who use savings as a form of investment, this means a predictable and, in most cases, safe return. However, the new decree from the Central Bank can bring surprises.
How does Selic influence your savings?
For those unfamiliar, the Selic is the basic interest rate of the Brazilian economy. It controls the behavior of several other rates in the market, such as loans and financing, but it also plays a crucial role in the yield on savings accounts. When the Selic exceeds 8,5% per year, as is currently the case, savings accounts yield 0,5% per month plus the TR.
With the Selic rate set at 10,75%, the savings yield is approximately 0,50% per month. This means that, for a deposit of R$1.000, the return in one year would be around R$61,68. This amount may seem small, but in times of uncertainty, it is one of the safest ways to keep your money earning interest.
Fixed income products and competition with savings
Another important point addressed in the new decree from the Central Bank This is how it can influence the competitiveness between fixed-income products, such as Tesouro Direto and CDBs, in relation to savings. With the Selic rate high, these products tend to offer more attractive returns, which can lead investors to seek alternatives to optimize their gains.
And you, are you already considering other investment options or will you continue to trust in the savings from Caixa, Itaú and other banks?
What to expect from the new decree?
According to experts, the new decree from the Central Bank must still undergo new revisions and adaptations according to the next Copom meetings. However, one thing is certain: it is important that Brazilians keep an eye on these changes and adjust their financial strategies as the scenario evolves.
What to do when faced with changes?
The application of new decree from the Central Bank will certainly have relevant impacts for those who have money invested in savings, especially in savings from Caixa, Itaú and other banks. The recommendation is to always follow updates and consider diversifying investments, also looking at other products that may offer more attractive returns, especially at times when the Selic rate is high.
Are you prepared for these changes in your income? What do you think about exploring other alternatives besides savings? Share your opinion in the comments!
