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With Selic at 14.75%, Tesouro Selic 2031 Offers a Return of 14.87% Per Year and Daily Liquidity, Guaranteeing R$ 9 Thousand Net Monthly for Those Investing R$ 1 Million.
The increase in the Selic rate to 14.75% has reignited the interest of Brazilians in one of the safest investments available in the market: Tesouro Selic.
With returns tied to the basic interest rate, this type of investment has once again attracted the attention of those seeking stable returns with liquidity. Influencer Tiago Sigueira from the channel Pipoco Investidor made this simulation.
Attractive Monthly Return
With Selic at 14.75%, Tesouro Selic 2031 provides a total yield of 14.87% per year. This is because, in addition to the base rate, there is an increase of 0.1162% per year.
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The approximate monthly yield is around 1.16%, which for many investors represents a real opportunity to make money yield above the average.
The calculation is simple. An investor who invests R$ 1 million in Tesouro Selic 2031 will see a gross monthly yield of R$ 11,616. After the 22.5% income tax deduction, which amounts to R$ 2,613, the net amount received in the month comes close to R$ 9 thousand.
This number alone is enough to attract the attention of those looking for a recurring source of passive income. It’s as if the investor could live off the interest without needing to sell the principal invested.
Liquidity Is Another Strong Point
One of the most highlighted advantages of Tesouro Selic is the liquidity.
Even though it is a bond maturing in 2031, the investor does not need to wait until that date to access the money.
Redemptions can be made before the final deadline, allowing the investor to use the accumulated value whenever necessary.
This detail makes Tesouro Selic function almost like a retirement plan. It is possible to use the monthly yields to cover expenses, supplement income, or simply leave the amount invested to continue growing with compound interest.
The flexibility also appeals to those who wish to invest without the risk of needing the amount in the short term and not being able to cash out. With Tesouro Selic, this concern practically disappears.
Security and Predictability
Another aspect that draws attention is security. By investing in Tesouro Direto, the investor is, in practice, lending money to the Brazilian government.
This adds an extra layer of confidence to the operation, as the risk of default is considered very low compared to other types of investments.
Furthermore, the yield is predictable. Even with fluctuations in the Selic rate over time, the logic of calculating the return remains clear.
In the current case, the yield of 14.87% per year has been celebrated by many, especially after a period of lower interest rates in the country.
Expectations About the Selic
With the Selic rate rising, the debate also arises about how high it can go. Some believe that the upward movement may continue.
Others bet on stabilization or even a drop in the coming months. Whatever the scenario, those who have already invested in Tesouro Selic are reaping good rewards.
This fluctuation in the rate also influences investor behavior.
Many are taking the opportunity to reinforce positions in fixed income, given a scenario that offers returns above 1% per month safely.
The rise in interest rates impacts the entire economy, but at this moment, it represents a favorable window for those seeking guaranteed returns with minimal risk.
Attention to Taxes
It is important to remember that Tesouro Selic, like any fixed income investment, is subject to Income Tax. The rate mentioned in the example is 22.5%, applied to the yields.
Even with the incidence of the tax, the net monthly return continues to draw attention. Receiving R$ 9 thousand monthly with an investment of R$ 1 million is considered a solid result for a conservative profile.
For those already in Tesouro Selic, the order is to enjoy the yield and monitor economic movements. For those who have not yet entered, the current scenario offers a clear chance to make money work safely.
With liquidity, competitive returns, and security, Tesouro Selic remains the choice of many Brazilians. And as long as the Selic is high, this investment should stay on the radar of attentive investors.
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