Digital accounts have become one of the most discussed topics on networking yet nubank Announce changes in Nokunta. Since July, the service’s profitability has continued at 100% of CDI, but with the bonus appearing in the balance only after the 30th day of implementation.
Read more: Nubank became “savings”, but customers did not abandon the bank; understand why
Who also did not return was Pickpaywhose fruit Go from 105% to 102% of CDI for balances invested in Certificates of Deposit Bank (CDB). Both, however, outperform their profitability saving accountwhich, even with Selic at 13.75%, currently offers a return of just 6.17% annually.
Faced with this scenario, many people reorganize their financial goals and choose accounts that guarantee good profitability, but with daily liquidity.
A digital account that offers daily liquidity and a return of 102% from CDI
a C6 . Bank The daily liquidity service announced a 102% return on CDI for those investing in CDBs from the digital bank. The minimum value of the applications also attracts attention: it starts from 20 BRL.
Moreover, in the application financial technology It is also possible to find other CBD options, such as post-fixes, which follow some indications. Whoever leaves the money invested for 4 years can earn 116% of the CDI.
There are also prefixed CDBs, the profitability of which is determined at the time of application. The term is 1 year and the return is 14.6% for 12 months.
The fixed-income pie brings in its share of CDBs, which are a popular alternative in terms of investments. Basically, it acts as a practical way of lending money to financial institutions that return the amount in the future as well as pre-determined bonuses and benefits.
One of the positive points is that the product is protected by the Credit Guarantee Fund (FGC), which is responsible for covering investments of up to R$250,000 per CPF.
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“At some point there will be an increase in the tax burden,” says Mileson da Nóbrega.
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