QUANTO RENDE R$ 1.000 NA CAIXINHA DO NUBANK? | VALE A PENA INVESTIR?

Summary

The video script explores the concept of 'caixinhas' or savings accounts offered by Nubank, a digital bank in Brazil. It delves into the practical steps of setting up a savings goal, choosing investment terms, and understanding the types of RDB (bank deposit receipts) available. The host also discusses the importance of considering taxes like IOF and income tax when calculating returns. The script emphasizes the long-term benefits of consistent investment, illustrating the power of compound interest with examples, and concludes with a call to action for viewers to educate themselves on investment strategies through a financial education platform.

Takeaways

• 😀 The video discusses the concept of using Nubank's 'caixinhas' (savings boxes) as an investment tool to potentially increase one's wealth.
• 💡 The host is exploring Nubank's application for the first time, focusing on the savings features and how they work.
• 🔍 The script explains that users can set up different savings goals, such as emergency funds or specific purchases like a house or a car, by naming the goal, setting a timeline, and deciding how much to save.
• 🏦 The 'caixinhas' are backed by financial instruments, primarily RDBs (bank deposit receipts) which are a type of fixed-income investment.
• 📈 RDBs come in different types, including immediate, daily, and planned, each with different withdrawal terms and interest rates.
• 💰 The script mentions a fund called 'Reserva Imediata' which offers a return higher than the traditional CDI (Certificate of Deposit for Interbank Settlements) and includes a mix of public and private debt securities.
• 🚫 The video warns about the IOF (Financial Operations Tax) which is levied on the earnings if the investment is withdrawn within 30 days, with a high tax rate that decreases progressively until the 30th day.
• 📉 It also touches on the subject of income tax on fixed-income investments, which follows a progressive scale based on the time the investment is held, with rates varying from 22.5% to 15%.
• 📊 The importance of long-term investment is highlighted, with examples showing how the power of compound interest can significantly increase wealth over time, especially if the investment is held for many years.
• 💼 The video suggests that to increase investment capital, one should focus on increasing their earning potential and investing in oneself to command higher income.
• 🎓 Lastly, the host promotes a financial education platform called 'Finclass', offering a significant discount on its subscription, emphasizing the value of knowledge in improving investment strategies.

Q & A

What is the main topic of the video script?

The main topic of the video script is about exploring the Nubank application, specifically its 'caixinhas' (little boxes or savings goals) feature, and discussing whether it's possible to get rich by using this feature.

What is the purpose of the 'caixinhas' feature in the Nubank app?

The 'caixinhas' feature in the Nubank app is designed to help users save money towards specific financial goals in a fun and interactive way.

What are some of the financial instruments mentioned in the script that are behind the 'caixinhas'?

The financial instruments mentioned in the script that are behind the 'caixinhas' include RDB (Receivable Bank Deposits), RDB Immediate, RDB Daily, and RDB Planned, as well as the Immediate Reserve fund.

What is the difference between RDB Immediate and RDB Planned?

The RDB Immediate allows for funds to be withdrawn at any time, while the RDB Planned has a set maturity date and cannot be withdrawn before that date, typically offering higher returns for longer investment periods.

What is the significance of the CDI rate mentioned in the script?

The CDI rate is a benchmark interest rate in Brazil, and it is used to determine the return on RDBs and other fixed-income investments. Investments that offer a percentage of the CDI rate will have their returns fluctuate with changes in the CDI rate.

What is IOF and why is it important for users to know about it when using the 'caixinhas'?

IOF is a tax on financial transactions in Brazil. It is important for users to know about it because if they withdraw their investment from the 'caixinhas' before 30 days, they will be subject to a high IOF tax on their earnings, which can significantly reduce their returns.

How does the tax treatment of investments in 'caixinhas' differ based on the investment period?

The tax treatment depends on how long the investment is held. If the investment is withdrawn before 180 days, a 22.5% tax is applied to the earnings. If withdrawn between 181 days and 360 days, the tax rate is 20%. Between 1 and 2 years, it's 17.5%, and after 2 years, the tax rate is 15% on the earnings.

What is the potential downside of investing in 'caixinhas' according to the script?

One potential downside is the credit risk associated with Nubank. If Nubank were to fail, which is considered unlikely, investors could face losses. Additionally, the returns may not be the best compared to other investments available in the market.

What is the advice given in the script for someone looking to grow their wealth through investments?

The advice given is to invest for more than 30 days to avoid high IOF taxes, to invest regularly to reach financial goals faster, to work on increasing one's income to invest more, and to educate oneself about various investment options to diversify one's portfolio.

What is the mention of 'Finclas' in the script and what does it offer?

Finclas is mentioned as a financial education and investment platform in Brazil. It is celebrating its anniversary and offering a 50% discount on its subscription, making it a more accessible option for those looking to learn more about investments.