O QUE É CDI E COMO GANHAR DINHEIRO COM ISSO?

Summary

This video explains the concept of CDI (Certificate of Interbank Deposit) and how it impacts personal investments. The host breaks down the relationship between CDI rates, SELIC, and investment returns, emphasizing how understanding these rates helps investors make informed decisions. He explains how investments offering percentages of CDI work, highlighting examples of potential returns. The video also encourages viewers to seek reliable financial information and introduces Banco Modal Mais as a resource for learning about investments. The overall message is about empowering viewers to manage their money wisely and make profitable investment choices.

Takeaways

• 😀 CDI (Certificado de Depósito Interbancário) is an interest rate used by banks for interbank loans, and it's essential to understand when making investments.
• 😀 CDI directly influences the return rates of investments, as they are often referenced to a percentage of the CDI rate.
• 😀 An investment offering 100% of the CDI will yield the same return as the current CDI rate, but higher percentages of CDI result in higher returns.
• 😀 Understanding the CDI rate and its variations can help avoid losing money in investments and ensure better decision-making.
• 😀 For example, if you invest R$10,000 at 100% of the CDI (6.15%), you would earn R$615 in a year.
• 😀 Investments offering more than 100% of the CDI, like 110% or 150%, will yield higher returns, such as R$675 or R$750, respectively, for the same R$10,000 investment.
• 😀 Some investments may seem attractive at first, but understanding their relationship to the CDI can help assess if they’re really worth it.
• 😀 It’s important to keep an eye on how the CDI rate changes over time, as fluctuations can significantly impact returns on investments.
• 😀 The SELIC rate, which is the central bank’s interest rate, is often closely aligned with the CDI rate, and understanding its value can help forecast potential returns.
• 😀 Platforms like ModalMais provide access to investment tools and resources, allowing users to track CDI and SELIC-based investment options, and access expert advice to make more informed decisions.

Q & A

What is CDI and why is it important in banking?

CDI (Certificate of Interbank Deposit) is a rate used in the Brazilian financial market to regulate loans between banks. Banks use CDI to stay financially stable and ensure they can meet the liquidity needs of their clients. When a bank is short of money, it borrows from other banks, and the interest rate on this borrowing is called CDI.

How does CDI affect personal investments?

When an investment is linked to CDI, it means the return is calculated based on the CDI rate. For example, an investment offering 100% CDI will yield the same return as the CDI rate. If the CDI is 6.15% annually, an investment tied to 100% CDI would also return 6.15% per year.

How does a bank's need to stay positive relate to CDI?

When a bank faces a liquidity shortfall, meaning more money is being withdrawn than deposited, it borrows money from other banks at a certain interest rate (CDI) to stay financially stable and cover the shortfall.

What does it mean to invest 100% CDI?

Investing 100% CDI means your investment will generate returns directly equivalent to the current CDI rate. For instance, if the CDI is 6.15%, your investment will earn 6.15% per year.

What is the difference between 100% and 150% CDI investment?

An investment with 150% CDI means you will earn 1.5 times the CDI rate. For example, if the CDI is 6.15%, a 150% CDI investment would yield 9.23% annually.

How is the CDI rate different from the SELIC rate?

While both rates are indicators of the Brazilian financial market, the SELIC rate represents the basic interest rate set by the Central Bank of Brazil, influencing overall economic conditions, while the CDI rate is the rate at which banks lend to each other in the interbank market.

Can CDI be used as a benchmark for investments?

Yes, CDI is commonly used as a benchmark for investment returns. Investments may be offered as a percentage of the CDI rate, such as 90% CDI or 120% CDI, to give investors an idea of the potential returns relative to the interbank lending rate.

What is the typical return for a 90% CDI investment?

An investment that offers 90% of CDI will yield returns slightly below the CDI rate. For example, if the CDI rate is 6.15%, a 90% CDI investment would yield approximately 5.54% annually.

How can an investor find out the current CDI rate?

You can easily find the current CDI rate by searching for it online. It is regularly updated and is widely available on financial news websites or through your bank.

What is the role of a digital platform like Banco ModalMais in investing?

Banco ModalMais provides a digital platform where you can access educational resources, investment courses, market news, and direct consultations with experts. It allows you to explore various investment options, including those linked to CDI or SELIC, and make informed decisions.