{"id":4656,"date":"2024-09-12T06:00:00","date_gmt":"2024-09-12T09:00:00","guid":{"rendered":"https:\/\/nossareceita.com\/?p=4656"},"modified":"2025-02-26T21:05:07","modified_gmt":"2025-02-27T00:05:07","slug":"poupanca-x-tesouro-selic-qual-investimento-rende-mais","status":"publish","type":"post","link":"https:\/\/nossareceita.com\/en\/poupanca-x-tesouro-selic-qual-investimento-rende-mais\/","title":{"rendered":"Savings X Treasury Selic \u2013 Which investment yields more?"},"content":{"rendered":"<html><body><h3 class=\"wp-block-heading\">What is Tesouro Selic?<\/h3>\n\n\n\n<p>Savings vs. Treasury Selic. When deciding where to invest your money, it is essential to understand the characteristics of each investment option. These are two well-known and sought-after alternatives.<\/p><div class=\"code-block\"><div class=\"separator\">Continues after advertising<\/div> \r\n<script>\r\n   window.googletag = window.googletag || {cmd: []};\r\n   googletag.cmd.push(function() {\r\n     googletag.defineSlot(\"\/23205967468\/nossareceita.com\/nossareceita.com_mw_content1_07102024\", [[250, 250], [336, 280], [300, 250]], \"div-gpt-ad-1606164528140-0\").addService(googletag.pubads());\r\n     googletag.enableServices();\r\n   });\r\n<\/script>\r\n<div id=\"div-gpt-ad-1606164528140-0\">\r\n   <script>\r\n      googletag.cmd.push(function() { googletag.display(\"div-gpt-ad-1606164528140-0\"); });\r\n   <\/script>\r\n<\/div>\r\n<\/div>\n\n\n\n<p>Although both are considered low-risk investments, there are a number of differences between them that may influence your choice.<\/p>\n\n\n\n<p>The Tesouro Selic is a public bond, considered one of the safest investments on the market. Its profitability is linked to the Selic rate, which means it changes according to the country&#039;s economic policy. <\/p>\n\n\n\n<p>The Tesouro Selic offers daily liquidity, meaning that it is possible to withdraw the money at any time, and the yield is calculated daily, which can be a differentiator for many investors.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What is Savings?<\/h3>\n\n\n\n<p>Savings is the most popular type of investment in Brazil. Its main characteristics are simplicity and security. <\/p>\n\n\n\n<p>Savings income is defined by the remuneration rule, which combines a fixed rate of 0.5% per month, when the Selic rate is higher than 8.5% per year, or 70% of the Selic rate, when it is equal to or lower than 8.5%.<\/p>\n\n\n\n<p>The calculation is done monthly, and the money needs to be in the account on the anniversary date for it to earn interest.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Main differences<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Security:<\/strong> Both are safe, but the Tesouro Selic has the guarantee of the National Treasury, considered even greater.<\/li>\n\n\n\n<li><strong>Performance:<\/strong> Savings may have a lower yield in low Selic rate scenarios, while the Selic Treasury benefits from these variations.<\/li>\n\n\n\n<li><strong>Liquidity:<\/strong> Savings accounts are immediately liquid for withdrawals, but the return only occurs on the deposit anniversary. The Selic Treasury allows withdrawals at any time with daily return.<\/li>\n\n\n\n<li><strong>Taxes and Fees:<\/strong> Savings are exempt from IR (Income Tax) and have no fees. The Tesouro Selic has an IR incidence, depending on the investment time, and a custody fee charged by B3.<\/li>\n<\/ul>\n\n\n\n<p>The choice between Savings and Treasury Selic depends on each investor&#039;s profile, their financial planning and short, medium and long-term goals. <\/p>\n\n\n\n<p>While Savings is a more traditional option, with ease of use and exemption from fees.<\/p>\n\n\n\n<p> The Tesouro Selic can offer greater profitability, especially in periods of high Selic rates, in addition to offering daily liquidity.<\/p>\n\n\n\n<p><strong>Conclusion:<\/strong> When deciding between Savings and Treasury Selic, it is important to consider the characteristics of each investment, including security, yield, liquidity, and fees involved.<\/p>\n\n\n\n<p> This understanding will help you make the choice that best suits your financial goals.<\/p>\n\n\n\n<p>For more information, visit:<\/p>\n\n\n\n<p>\u2013 <a href=\"https:\/\/www.bcb.gov.br\/\">Brazilian central bank<\/a><br>\u2013 <a href=\"https:\/\/www.tesourodireto.com.br\/\">Treasury Direct<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to calculate the yield on Savings and Treasury Selic<\/h2>\n\n\n\n<p>Calculating the return on investments such as Savings and Treasury Selic is essential for planning your finances. <\/p>\n\n\n\n<p>Fortunately, understanding these calculations is not as complicated as it seems. Let&#039;s simplify these processes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Savings: How to calculate your income<\/h3>\n\n\n\n<p><strong>Current rule:<\/strong> Savings yield depends on the Selic rate.<\/p>\n\n\n\n<p> When is it <strong>above 8.5%<\/strong>, savings yield 0.5% per month plus the TR (Reference Rate). When the Selic is <strong>equal to or less than 8.5%<\/strong>, it yields 70% of Selic plus TR.<\/p>\n\n\n\n<p>To calculate:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Determine the applicable interest rate according to the current Selic rate.<\/li>\n\n\n\n<li>Use the formula: <i>Amount invested x (1 + interest rate)<\/i> for the desired period.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Treasury Selic: How to calculate your yield<\/h3>\n\n\n\n<p>The Tesouro Selic follows the Selic rate, offering a daily return. Therefore, it is known for its liquidity and low risk.<\/p>\n\n\n\n<p>To calculate the yield, the methodology involves:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Observe the current Selic rate.<\/li>\n\n\n\n<li>Calculate the yield based on the formula: <i>Amount invested x (Selic\/100) \/ 252<\/i>, considering the number of working days in the year.<\/li>\n<\/ul>\n\n\n\n<p><strong>Practical example:<\/strong> Assume an investment of R$1,000 in Tesouro Selic, with the Selic rate at 4.25% per year. Calculate the daily yield as follows: <i>R$1,000 x (4.25%\/100) \/ 252 = R$0.169<\/i> per day.<\/p>\n\n\n\n<p>These calculations give you an initial view of what to expect from your investments in terms of returns. <\/p>\n\n\n\n<p>However, it is important to remember to consider inflation, which can affect the purchasing power of your return over time.<\/p>\n\n\n\n<p>Now that you have an idea of how to calculate the yield on Savings and Treasury Selic, you can better plan your investments. <\/p>\n\n\n\n<p>Always review these calculations periodically, as rates and economic conditions change.<\/p>\n\n\n\n<p><em>Useful links:<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.bcb.gov.br\/\">Brazilian central bank<\/a> \u2013 To monitor Selic and TR<\/li>\n\n\n\n<li><a href=\"https:\/\/www.tesourodireto.com.br\/\">Treasury Direct<\/a> \u2013 For specific information about Tesouro Selic<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Factors that influence your return on investment<\/h2>\n\n\n\n<p>When looking for ways to make our money grow, it is essential to understand the different <strong>factors that influence return on investment<\/strong>.<\/p>\n\n\n\n<p> These factors can help you make more informed choices and align your expectations with market reality. Let\u2019s look at the main ones:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Interest rate<\/h3>\n\n\n\n<p>A <strong>interest rate<\/strong> is one of the main factors affecting investment returns. <\/p>\n\n\n\n<p>When rates are high, fixed income investments, such as Savings and Treasury Selic, tend to offer more attractive returns.<\/p>\n\n\n\n<p> However, this can also slow down the economy, affecting stock investments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Inflation<\/h3>\n\n\n\n<p>A <strong>inflation<\/strong> is the rate at which the value of money falls over time, directly affecting purchasing power. <\/p>\n\n\n\n<p>Investments that offer a return lower than the rate of inflation effectively result in a loss of money. <\/p>\n\n\n\n<p>Therefore, it is crucial to seek investments that promise returns above inflation to ensure real capital growth.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Market Risk<\/h3>\n\n\n\n<p>O <strong>market risk<\/strong> refers to changes in the price of investments due to changes in the economy or in specific industries. Equity securities, such as stocks, are particularly exposed to such risks, but they can offer significant returns to compensate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Investment Horizon<\/h3>\n\n\n\n<p>The length of time you plan to hold your investment, or <strong>investment horizon<\/strong>, also plays a crucial role. <\/p>\n\n\n\n<p>Higher-risk investments, such as stocks, may be better suited for longer-term horizons as they allow you to ride out market volatility.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Global Economic Conditions<\/h3>\n\n\n\n<p>Finally, the <strong>global economic conditions<\/strong> also have a big impact on investments. <\/p>\n\n\n\n<p>Economic crises, geopolitical conflicts, and pandemics can negatively affect the market, while periods of economic growth can boost returns.<\/p>\n\n\n\n<p>Understanding these factors and how they interact can help you make more informed investment choices. <\/p>\n\n\n\n<p>Remember that financial education is a powerful tool in investment management.<\/p>\n\n\n\n<p>For more information on how to invest wisely, consider visiting educational sites like Investor.gov or investment tools like Bloomberg.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Diversification<\/h3>\n\n\n\n<p><strong>Diversify<\/strong> your investments can reduce the overall risk of your portfolio. <\/p>\n\n\n\n<p>Investing in different types of assets (stocks, bonds, real estate, etc.) can protect against significant losses, as not all sectors or markets move in the same direction at the same time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Government Policies<\/h3>\n\n\n\n<p>Changes in <strong>government policies<\/strong>, such as investment taxes, subsidies, and regulations, can directly impact returns. <\/p>\n\n\n\n<p>It is crucial to pay attention to the news and how government actions can influence different asset classes.<\/p>\n<\/body><\/html>","protected":false},"excerpt":{"rendered":"<p>Find out which investment between Savings and Treasury Selic yields more for you. Comparison made in a clear and objective way.<\/p>","protected":false},"author":30,"featured_media":4655,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[278],"tags":[],"class_list":["post-4656","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Poupan\u00e7a X Tesouro Selic - Qual investimento rende mais - Nossa Receita<\/title>\n<meta name=\"description\" content=\"O que \u00e9 Tesouro Selic?Na hora de decidir onde investir seu dinheiro, \u00e9 essencial entender as caracter\u00edsticas de cada,\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nossareceita.com\/en\/poupanca-x-tesouro-selic-qual-investimento-rende-mais\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Poupan\u00e7a X Tesouro Selic - Qual investimento rende mais - Nossa Receita\" \/>\n<meta property=\"og:description\" content=\"O que \u00e9 Tesouro Selic?Na hora de decidir onde investir seu dinheiro, \u00e9 essencial entender as caracter\u00edsticas de cada,\" \/>\n<meta property=\"og:url\" content=\"https:\/\/nossareceita.com\/en\/poupanca-x-tesouro-selic-qual-investimento-rende-mais\/\" \/>\n<meta property=\"og:site_name\" content=\"Nossa Receita\" \/>\n<meta property=\"article:published_time\" content=\"2024-09-12T09:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-27T00:05:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/nossareceita.com\/wp-content\/uploads\/2024\/09\/temp-img-851138635.png\" \/>\n\t<meta property=\"og:image:width\" content=\"700\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Selma\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Selma\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/nossareceita.com\\\/poupanca-x-tesouro-selic-qual-investimento-rende-mais\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/nossareceita.com\\\/poupanca-x-tesouro-selic-qual-investimento-rende-mais\\\/\"},\"author\":{\"name\":\"Selma\",\"@id\":\"https:\\\/\\\/nossareceita.com\\\/#\\\/schema\\\/person\\\/a912810768f11e78915fa6e38d4444ce\"},\"headline\":\"Poupan\u00e7a X Tesouro Selic &#8211; 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