Modalidades de Crédito- O Guia Completo para Fazer Escolhas Inteligentes
The savings account is one of the oldest and best-known forms of investment available on the market.
It allows the money invested to earn interest at a specific rate over a certain period, but is it still a good investment?
It is a type of bank account that generates income over time.
This account is usually used to save money that won't be needed in the short term, helping with personal finances.
To understand whether it is still a good investment, you need to analyze various factors, such as the permanence of the money, liquidity and risks.
At the moment, Brazil is facing a phase of low interest rates. With this reduction in the Selic rate, the return on savings has also fallen.
As a result, it has become less attractive to those looking for a high financial return.
Understanding savings accountAlthough there are more profitable investments available today, it is still an option for those looking for security and guaranteed returns.
Despite the recent changes to the rules, many people wonder whether it is still worth keeping it as an investment option.
The main change in recent years has been the change in the way profitability is calculated.
It used to have a fixed return, but now it varies according to the Selic rate.
This means that, in some scenarios, savings may yield less than other low-risk investment options.
Despite the reduction in profitability, it is still one of the safest investment options.
This is due to the fact that it is guaranteed by the Credit Guarantee Fund (FGC), which means that even if the bank goes bankrupt, the money invested in savings is safe.
Another aspect that makes savings accounts still a viable option is their convenience and accessibility.
It can be opened at any bank with ease and, once opened, the money can be moved around relatively easily.
In addition, there is no administration fee or tax on income.
In the end, the decision to keep a savings account or looking for other forms of investment depends on the profile of each investor.
If security and convenience are important to you, a savings account may still be worthwhile.
However, if your priority is to maximize profitability, it may be time to consider other options, such as investment funds.
In the complex world of finance, a savings account can often be considered a simplistic financial instrument.
However, there are still valid reasons to consider it as part of your financial plan. In this article, we'll explore some of the hidden benefits.
One of the main attractions of a savings account is its liquidity.
This means that you can withdraw your money whenever you want, without facing penalties or the need to notify the financial institution in advance.
This is a useful resource, especially in times of emergency.
A savings account is also an option safe. The funds you save are insured by the credit guarantee fund in the event of the bank's insolvency.
This is a guarantee that your money will be protected, whatever happens.
While the interest rates on a savings account may not be the highest, they still offer a guaranteed return on your money.
What's more, in periods of low inflation, it can become more attractive when compared to other investment options.
A hidden and often overlooked benefit of savings accounts is in the tax field.
Earnings from a savings account are exempt from IRS up to a certain amount. This means you can save not only in terms of interest, but also from a tax point of view.
Now about savings accounts, you can visit the Central Bank of Brazil's website or download your bank's app to manage your savings account from your smartphone.
For more information on savings accounts and other investments, visit the websites below:
To find out more about the recent changes to savings accounts, visit www.bcb.gov.br .
