Posso resgatar o valor investido no CDB a qualquer momento?

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Descubra se é possível resgatar seu investimento em CDB a qualquer momento e os prós e contras dessa decisão, segundo especialistas.

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O Certificado de Depósito Bancário (CDB) é uma forma dos bancos captarem dinheiro, oferecendo juros aos investidores em troca.

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O CDB é considerado um investimento seguro, protegido pelo Fundo Garantidor de Créditos (FGC), que cobre até R$ 250 mil por instituição.

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O CDB é indicado para qualquer perfil de investidor, especialmente os que buscam segurança e rendimento acima da poupança.

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O CDB com liquidez diária permite resgatar o valor a qualquer momento, ideal para reservas de emergência.

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Resgatar um CDB a qualquer momento pode significar abrir mão de um rendimento superior, pagando mais impostos.

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Resgatar em menos de 30 dias pode gerar cobrança de IOF, além do Imposto de Renda com tabela regressiva.

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Resgatar antes do prazo pode resultar em menor rentabilidade e possíveis multas ou taxas.

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Saídas antecipadas podem compensar em emergências ou melhores condições de mercado.

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O CDB pode ser resgatado a qualquer momento, mas é essencial entender os custos e benefícios dessa decisão.

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