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Many Brazilians Still Trust In Savings As The Main Way To Save Money. But The Return On This Traditional Investment Has Been Falling Behind. A Recent Simulation Shows That Leaving R$ 50 Thousand In Savings For One Month Results In A Modest Return — And Raises The Alert About More Profitable Options In The Market.
Those Who Leave Money In Savings Need To Understand How Profitability Works. In The Case Of Caixa Econômica Federal, The Yield Is The Same As Any Other Bank: It Follows The Rules Set By The Central Bank.
Based On The Last Index Released, The Monthly Return Was 0.67%. Applying This Rate To R$ 50 Thousand, The Gain In 30 Days Is Only R$ 335.
It Is Important To Highlight That This Amount Will Only Be Credited If The Money Remains Unmovable For The Full Period. Withdrawing Before The Deposit Anniversary Date Eliminates The Month’s Return.
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Compound Interest: Reinvesting Earnings Makes A Difference In The Long Term
If The R$ 335 Earnings Are Not Withdrawn And Remain Invested, They Will Also Start Earning Interest In The Following Month. This Dynamic Is Called Compound Interest — When Money Starts To Earn Interest On Its Own Earnings.
Even So, Even With Continuous Investment, Savings Continue To Provide A Return Below That Of Other Financial Products.
The Comparison With The CDI: Why Savings Lose Heavily
Today, Many Financial Institutions Offer CDBs With A Yield Of 100% Of The CDI. This Indicator Usually Yields More Than Savings.
With 100% Of The CDI, For Example, The Same R$ 50 Thousand Would Yield About R$ 550 In A Month — A Considerably Higher Amount Than The R$ 335 From Savings.
In Addition, Many Digital Accounts Already Offer Automatic Earnings On Balances, Also Tied To The CDI, Without The Need For Formal Investments.
Savings Is Still A Popular Option, But Loses Appeal
Despite The Unfavorable Numbers, Savings Remains One Of The Most Used Investments In Brazil. The Main Reason Is The Simplicity: It Does Not Require Technical Knowledge, Nor Does It Usually Involve Fees Or The Risk Of Losing The Principal Amount.
Another Point Is The Exemption From Income Tax, Which Can Attract People Seeking Convenience.
However, Even With This Advantage, The Final Yield Is Lower Than Other Investments With Income Tax — Which Still Result In Higher Net Gains.
Is It Worth Keeping Money In Savings?
Financial Market Experts Point Out That, Currently, Savings Only Makes Sense For Those Who Need Immediate Liquidity Or Want To Avoid Any Type Of Fluctuation In The Invested Amount.
But For Those Who Plan To Leave Money Idle For A Longer Period, Even With Minimal Risk, Options Like CDBs From Safe Banks, Fixed Income Funds, And Even Treasury Direct Become Better Alternatives.
The Simulation Of The Monthly Return Of R$ 50 Thousand In Savings, Resulting In Only R$ 335, Shows That The Opportunity Cost Is High.
While The Money Remains Practically Stagnant, The Market Offers Simple, Safe Alternatives With More Significant Returns. Leaving Money Idle Can Be Expensive.
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