NOVA TAXA SELIC 10,75%: onde investir? O que muda?

Após a taxa básica de juros alcançar o patamar de dois dígitos, saiba quais investimentos serão mais rentáveis para você!

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O Copom, Comitê de Política Monetária do Banco Central, elevou a taxa Selic em 1,50, chegando a 10,75% ao ano.

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A taxa Selic tem influência direta sobre a vida das pessoas, já que sua variação pode afetar o controle da inflação, que se relaciona com a atividade econômica.

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Como a maioria dos títulos de renda fixa são indexados à taxa selic, os investimentos conservadores estão mais atrativos.

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Desta forma, um CDB que paga 100% do CDI, pagará por mês o equivalente a 0,88%. Vale dizer ser necessário descontar o IR da operação.

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Porém, a poupança continuará rendendo apenas 0,5% ao mês + TR. Ou seja, em termos de rentabilidade, existem outros ativos mais atrativos.

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Além disso, se a inflação não fugir da meta do Banco Central que é de 5%, a renda fixa poderá proteger o capital do investidor.

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Mesmo com a selic alta, quem investe em renda fixa deve se lembrar que alguns ativos têm incidência de imposto de renda.

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Assim, para a alegria dos investidores, a renda fixa está cada vez mais atrativa com essa alta da Selic.

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Após a taxa básica de juros alcançar o patamar de dois dígitos, saiba quais investimentos serão mais rentáveis para você!