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Detailed Simulation of How Much R$ 50,000 Yields Invested in Nubank’s “Caixinhas” with the New Selic Rate of 14.65% Per Year.
The recent rise in the Selic rate has brought new earning possibilities for those seeking secure investment options. Nubank’s “Caixinha” has become a popular alternative for those wishing to invest amounts with practicality and security.
But after all, how much do R$ 50,000 yield when invested in Nubank’s “Caixinha” considering the current Selic scenario? The simulation was done by the channel Investe1tempo.
The Options Within the Nubank App
When accessing the investment area of the Nubank app, investors find various application modalities: stocks, real estate funds, government bonds, and mutual funds.
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However, when the focus is on security and stable yield, Nubank’s “Caixinhas” stand out. Among them, there are some variations.
The Turbo “Caixinha,” for example, offers a yield of 115% of the CDI, but has prerequisites.
To achieve this return, the customer needs to transact at least R$ 900 per month in their Nubank account. Additionally, there is a maximum investment limit of R$ 5,000.
Meanwhile, the Guaranteed Limit allows conversion of the invested amount into credit card limit but does not meet the goal of traditional investment focused on yield.
Therefore, when the investment involves higher amounts, like the R$ 50,000 in the simulation, the Emergency Reserve “Caixinha” becomes the most viable choice.
Emergency Reserve “Caixinha”: Yield and Security
The Emergency Reserve “Caixinha” offers a yield of 100% of the CDI and does not impose investment limits or transaction prerequisites.
To perform the simulation, the investor accesses the “caixinha,” enters a test amount, like R$ 1.00, and proceeds until they view the available product: the RDB with immediate redemption.
This product has some essential characteristics. The current yield, based on the recent increase in the Selic, is at 14.65% per year.
The minimum investment is R$ 1.00, and there is no application cap. Additionally, the RDB is protected by the Credit Guarantee Fund (FGC), which provides an additional layer of security for the investor.
Taxation and Taxes on the Investment
As with any fixed-income investment, there are taxes involved. In the case of Nubank’s “Caixinhas,” two main taxes are considered: IOF and Income Tax (IR).
IOF applies only in the first 30 days of the investment, but since the purpose of the simulation is to calculate returns after one month, this tax was not included. The Income Tax follows a progressive table:
- Up to 180 days: 22.5%
- From 181 to 360 days: 20%
- From 361 to 720 days: 17.5%
- Above 720 days: 15%
Simulation: How Much Does R$ 50,000 Yield in Practice
With this information, it was possible to calculate the net yield for different terms. In the first scenario, considering one month of application, the gross yield would be R$ 572.90. After applying the 22.5% Income Tax rate, the net yield drops to approximately R$ 444.00.
In six months of investment, with the reduced tax rate of 20%, the gross yield rises to R$ 3,537.37. After tax deductions, the investor would receive a net amount of R$ 2,829.90.
For those maintaining the investment for one year, the Income Tax rate drops again, now to 17.5%. During this period, the gross yield would be R$ 7,325.00. After tax deductions, the net yield would total R$ 6,043.12.
At the end of two years, with the minimum rate of 15% applied, the accumulated gross yield would be R$ 15,723.11. After tax deductions, the investor would have a net yield of R$ 13,364.64.
Additional Simulation: Monthly Contributions for 10 Years
In addition to the one-time investment of R$ 50,000, a simulation was also conducted considering monthly contributions of R$ 500.00 over 10 years. With this strategy, at the end of the period, the accumulated gross amount would be R$ 323,806.65.
After applying Income Tax, the net amount to be withdrawn would be approximately R$ 291,735.65. Of this total, R$ 110,000.00 corresponds to the actual invested amount, while the remainder, exceeding R$ 180,000.00, represents the earnings obtained during the period.
The Importance of Consistency in Investments
Even in the face of returns that may seem modest in the short term, the main point lies in the consistency of contributions and the investment duration. With discipline and patience, it is possible to accumulate significant wealth over the years, benefiting from the compounding interest and the gradual decrease in the Income Tax rate.
The security offered by Nubank, combined with the practicality of operation through the app and the protection of the FGC, makes Nubank’s Caixinhas an attractive option for those looking to build an emergency fund or even accumulate resources for the medium and long term.
Complete Simulation Table
| Period | Gross Yield | Income Tax | Net Yield |
|---|---|---|---|
| 1 month | R$ 572.90 | 22.5% | R$ 444.00 |
| 6 months | R$ 3,537.37 | 20% | R$ 2,829.90 |
| 12 months | R$ 7,325.00 | 17.5% | R$ 6,043.12 |
| 24 months | R$ 15,723.11 | 15% | R$ 13,364.64 |
| 10 years (R$ 500 monthly) | R$ 323,806.65 | — | R$ 291,735.65 |
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