Quanto rendem R$ 20 mil na poupança e em outros ativos da renda fixa?

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Para responder à pergunta, utilizamos os três primeiros meses deste ano. Por conta da Selic a 13,75%, a renda fixa é a opção mais segura e mais rentável no momento.

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Ainda comparamos a rentabilidade da poupança com a do Tesouro Selic, CDB , LCI e LCA. Assim, você poderá tomar uma decisão mais certeira.

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O rendimento faria com que você tivesse R$ 20.528. Nos últimos 12 meses, o valor final seria de R$ 21.234, conforme simulação de Carlos Castro, da SuperRico.

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Como foi o rendimento em outros ativos em 3 meses? Tesouro Selic: R$ 20.552,99 CDB 110% CDI: R$ 20.608,69 LCI/LCA 90% CDI: R$ 20.642,60

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Dos últimos cinco anos, em três deles, o rendimento da poupança foi corroído pelo aumento dos preços.

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Poupança: R$ 21.234,00 Tesouro Selic: R$ 22.121,08 CDB 110% CDI: R$ 22.339,04 LCI/LCA 90% CDI: R$ 22.392,20

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A caderneta de poupança, por exemplo, tem data de aniversário, ou seja, se você não esperar completar os 30 dias da aplicação, perderá a rentabilidade.

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Para os demais ativos, a recomendação é prestar atenção no IOF, além do Imposto de Renda. É importante ter em mente, então, que se o resgate ocorrer em menos de 30 dias, o rendimento entra na tabela regressiva de IOF.

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Letras de Crédito (LCIs e LCAs) são as melhores opções. Quando pensamos em três meses, rendem R$ 114,60 a mais que a poupança. Depois de 12 meses, a diferença de LCIs e LCAs para a poupança é de R$ 1.158,20.

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Saiba mais sobre renda fixa na Inteligência Financeira!

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Converse com a gente!

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Veja mais na Inteligência Financeira:

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