AULA SOBRE CDB - O Investimento que RENDE MAIS DINHEIRO e que NUNCA DÁ PREJUÍZO!

Summary

In this informative video, the presenter explains the advantages of fixed-income investments like CDBs (Certificates of Deposit), especially in the context of increasing SELIC rates. The script covers various types of CDBs, such as pre-fixed, post-fixed, and hybrid, detailing how they work, the risks, and the expected returns. It emphasizes the safety of CDBs, backed by the FGC (Credit Guarantee Fund), and compares their profitability with other investment options like savings accounts. The video also discusses tax considerations, liquidity options, and offers practical advice for choosing the right CDB to meet personal investment goals.

Takeaways

• 😀 Fixed income investments (renda fixa) are safe, as they always grow and involve minimal risk. Common examples include digital accounts, Treasury Direct, CDBs, and LCs.
• 😀 CDBs (Certificates of Deposit) allow you to lend money to banks, who pay you interest. They are a type of fixed-income investment and generally provide guaranteed returns.
• 😀 A CDB works like a loan where the bank borrows your money, pays you back with interest, and then lends it to others at a higher rate.
• 😀 CDBs are considered safe investments due to the FGC (Credit Guarantee Fund), which guarantees up to 250,000 reais per bank if the bank fails.
• 😀 There are different types of CDBs: pre-fixed (the return rate is fixed at the start), post-fixed (the return rate is tied to an index like SELIC or CDI), and hybrid (a combination of both).
• 😀 Post-fixed CDBs are linked to indices like SELIC or CDI, meaning the return will rise or fall depending on these rates. For example, as SELIC rises, returns on these investments increase.
• 😀 CDBs typically yield more than savings accounts. While savings yield about 6% per year, CDBs can yield much higher rates, such as 10.65% or more depending on the type and duration.
• 😀 CDBs have tax implications, including the IOF (tax on financial operations), but IOF is only charged if the investment is withdrawn within 30 days. After that, it is no longer charged.
• 😀 CDBs can have daily liquidity (accessible anytime) or a fixed lock-in period (e.g., 1 year or 3 months). The longer the lock-in, the higher the return is likely to be.
• 😀 Liquidity of CDBs varies. Daily liquidity CDBs can be withdrawn at any time, but others have fixed terms, and if you withdraw before the maturity date, you may face penalties.
• 😀 The best-performing CDBs often depend on the bank or investment platform and can change frequently. Currently, PagBank offers some of the highest yielding CDBs at 140% of CDI, but these come with specific requirements like a 1-year investment period.

Q & A

What is the impact of the recent SELIC rate increase on fixed income investments?

The recent increase in the SELIC rate means that fixed income investments, such as CDBs (Certificates of Deposit), will yield higher returns. The higher SELIC rate directly influences the profitability of these investments, making them more attractive for investors who prefer low-risk options.

What is the difference between fixed income and variable income investments?

Fixed income investments, such as CDBs, are safer and offer guaranteed returns with little to no risk of losing money. In contrast, variable income investments, like cryptocurrencies and stocks, are riskier because their returns fluctuate based on market conditions.

How does a CDB work, and how does the bank benefit from it?

A CDB works by you lending money to a bank in exchange for interest. The bank uses the money for its own loans, charging higher interest from borrowers. The bank then pays you a portion of this interest as profit, making it a low-risk investment for you.

Is investing in CDBs safe?

Yes, CDBs are considered safe investments because they are backed by the Fundo Garantidor de Crédito (FGC), which ensures that you will be compensated up to R$250,000 if the bank fails.

What are the different types of CDBs and their respective characteristics?

There are three main types of CDBs: pre-fixed, post-fixed, and hybrid. Pre-fixed CDBs offer a fixed return, which is determined at the time of investment. Post-fixed CDBs are tied to an index, such as the SELIC rate, meaning the returns depend on how the index performs. Hybrid CDBs combine both fixed and variable returns.

What is the difference between pre-fixed and post-fixed CDBs?

A pre-fixed CDB offers a fixed interest rate over the investment period, meaning the returns are predetermined. A post-fixed CDB, on the other hand, ties its returns to an external index, such as the SELIC or CDI rates, which means the returns may fluctuate based on market conditions.

How much does a CDB typically yield compared to other investment options?

CDBs can offer significantly higher returns than savings accounts or other safer investments. For example, while savings accounts yield around 6% annually, CDBs can yield much higher returns, with some offering 120%, 130%, or even up to 300% of the CDI rate, translating to annual returns of 10-30%.

What is the tax implication when investing in CDBs?

When investing in CDBs, taxes are automatically deducted at the time of redemption. The most common tax is the Income Tax (IR), which is applied based on the investment duration. Additionally, there is an IOF tax if the CDB is redeemed within 30 days of the investment.

What is liquidity, and how does it affect CDB investments?

Liquidity refers to the ease with which you can withdraw your invested money. Some CDBs offer daily liquidity, meaning you can withdraw your money anytime. Others require you to lock your money for a specific period, such as six months or one year, and offer higher returns for the trade-off of limited access to funds.

Can I withdraw my investment from a CDB at any time?

It depends on the type of CDB. Some CDBs offer daily liquidity, allowing you to withdraw your funds whenever needed. However, others have fixed terms, and you may only withdraw after a certain period, such as six months or a year, in exchange for higher returns.

What is the best CDB investment option currently available?

As of the current market conditions, CDBs from PagBank, offering returns of up to 140% of the CDI, are among the best options available. However, the best CDB will vary based on your investment duration and the specific offerings from banks and investment platforms, as promotions and rates change regularly.