Quanto rendem R$ 250 mil no CDB e na poupança? Veja a comparação!

[{"selector":"#anim-2e7c9dd3-e812-455e-8431-24c719f5bc5e","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d72d1847-7ea2-40fe-b6e6-1acdb94dd498","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5d1f821a-28aa-4fb9-9380-c9454d3c2a18","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ONDE INVESTIR ONDE INVESTIR Calculamos quanto rendem R$ 250 mil no CDB e na poupança em 6 cenários diferentes. Compare os rendimentos e planeje seus investimentos.

CDB é o Certificado de Depósito Bancário, um título emitido por bancos para captar recursos. Em troca, o banco paga juros ao investidor, definidos no momento da aplicação.

[{"selector":"#anim-39359453-e6af-4dbb-a6fd-8c5f72134ad3","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-679ec8aa-9c77-4338-9471-e7ffe1b17e01 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(7.51742676237312%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-11079f9a-ea5c-4c53-aded-2ec6a0e60a8e","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Leia a matéria completa

Existem três tipos de CDB: prefixado, pós-fixado (percentual do CDI) e híbrido (IPCA + taxa fixa). Cada um oferece diferentes formas de rendimento.

[{"selector":"#anim-11424ae4-e46b-449e-aee3-e36458b22e65 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(7.523069064226064%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-b8896f47-2a86-4a86-824a-39011d6ff64e","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5b980e4e-9370-4bba-8cbd-5869fdd9f6c6","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Leia a matéria completa

CDBs podem ter liquidez diária ou prazos longos. Investimentos de longo prazo geralmente oferecem taxas melhores, mas exigem que o dinheiro fique aplicado por mais tempo.

[{"selector":"#anim-2889dcb5-abe0-4a3d-9e96-d1ec9b29eb93 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(18.77156924638099%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-e33dfeb9-d737-4961-8146-0881eacabf4c","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-78ed6be9-6a6f-4edc-8aea-9cf4e837aa09","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Leia a matéria completa

Simulamos rendimentos de R$ 250 mil em CDBs de 100% CDI, 120% CDI, IPCA+6,20% e prefixado 13% em 6 cenários: 1 e 6 meses, 1, 2, 3 e 5 anos. Confira os resultados.

[{"selector":"#anim-c63c6308-72bd-4936-8b02-64038d3083f0 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(8.126947857611672%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-ccdd0b50-081c-4e15-b92c-13ef72229638","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5cb12065-ac9d-4647-9d0d-0ca7ff0a1e7c","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Leia a matéria completa

· 1 mês: R$ 251.635,19 · 6 meses: R$ 260.288,30 · 1 ano: R$ 270.625,00 · 2 anos: R$ 292.005,14 · 3 anos: R$ 313.726,68 · 5 anos: R$ 361.418,33

[{"selector":"#anim-6bc79b90-9124-4603-a26b-6a83866266a9 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(7.51742676237312%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-08547a73-ef85-4a31-8531-1c345931587f","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5514643e-1b3b-4ac0-8b0b-942146bc0041","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Leia a matéria completa

· 1 mês: R$ 251.948,63 · 6 meses: R$ 262.297,54 · 1 ano: R$ 274.750,00 · 2 anos: R$ 300.797,40 · 3 anos: R$ 327.648,92 · 5 anos: R$ 387.842,55

[{"selector":"#anim-3de20ede-4bbc-469d-bfe0-b8b748be9413 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-0.33971603568450703%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-98750428-9469-465b-ba27-30bc807e1ec8","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-33f25279-8431-4e5c-906a-a27714546c9a","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Leia a matéria completa

· 1 mês: R$ 251.939,38 · 6 meses: R$ 262.238,06 · 1 ano: R$ 275.727,38 · 2 anos: R$ 304.777,04 · 3 anos: R$ 335.154,16 · 5 anos: R$ 404.742,80

[{"selector":"#anim-c7e250eb-509c-4bef-9271-65dcabb919c1 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-0.8482960046749781%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-d36b867b-49dc-4e1c-9d62-9db7491f4945","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f079260d-55cd-4f17-a6f5-8e76071192fa","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Leia a matéria completa

· 1 mês: R$ 251.770,04 · 6 meses: R$ 261.151,30 · 1 ano: R$ 273.512,50 · 2 anos: R$ 300.797,40 · 3 anos: R$ 329.944,67 · 5 anos: R$ 396.986,00

[{"selector":"#anim-bf4c4ed5-0f84-4179-a230-f5723f3238e4 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-0.3404754605108664%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-d03dc4ce-0ea7-4c48-9d80-38ccef828888","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4c1a0e58-ba07-44e3-b37b-86b0992b04a0","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Leia a matéria completa

· 1 mês: R$ 251.325,69 · 6 meses: R$ 258.060,33 · 1 ano: R$ 266.380,53 · 2 anos: R$ 283.834,35 · 3 anos: R$ 302.431,78 · 5 anos: R$ 343.362,10

[{"selector":"#anim-29ae5b3d-345a-453b-bb4a-434177b5e4f6 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(16.587616568923536%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-76c9a596-4fa9-417a-bc5a-e11bf91d2169","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-15a66f16-1211-4e1f-8980-58d57a29b7ab","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Leia a matéria completa

O IR sobre CDB é regressivo: 22,5% até 180 dias, reduzindo com o tempo. Menos tempo investido, maior a alíquota. Após 720 dias, a taxa cai para 15%.

[{"selector":"#anim-5da751a5-bb80-43f8-afb5-d8b74996dd3f [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(5.484614277659741%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-ca157bcd-04cb-4930-a39d-66a3165fa671","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7d266587-0a73-481f-b1c7-183164e4f43e","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Leia a matéria completa

Aplicações em CDB até 30 dias estão sujeitas ao IOF. A alíquota começa em 96% no primeiro dia e vai diminuindo até ficar isenta após o 30º dia.

[{"selector":"#anim-2f0020f0-83cc-440c-9236-de6f5cc879e7 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(13.695486495205804%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-e6516023-33fb-4a03-8099-2d5c7d8bec41","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0396d90e-0790-4af1-8b77-350de9fb247e","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Leia a matéria completa

Leia a matéria completa