Rendimento da poupança em 2022: Veja o novo cálculo da poupança

[{"selector":"#anim-e97681a8-7a85-4896-8e7f-773e2601aeb3","keyframes":{"opacity":[0,1]},"delay":0,"duration":1200,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d39a598d-cb2f-4749-b582-5a4cb781b74a","keyframes":{"opacity":[0,1]},"delay":300,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-48ae30fa-4e43-4944-a69b-1b8aae08e8ff","keyframes":{"opacity":[0,1]},"delay":500,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-741558f3-e65e-415e-a7c6-646e3e428187 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(38.24786311723352%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Copom eleva taxa Selic para 9,25% a.a. Com Isso o rendimento da poupança vai mudar.

Apesar de ser a aplicação mais popular entre os brasileiros, a poupança em 2022 não é, e nunca foi, a melhor aplicação financeira. Por isso, é importante como funciona sua rentabilidade.

[{"selector":"#anim-191b668e-6d08-40a7-b5bf-ca7cac070545","keyframes":{"opacity":[0,1]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4c7deabe-a714-4728-831e-9dae8ced0680","keyframes":{"transform":["translate3d(116.34615%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6e2cf103-eb42-4438-a40a-5ccd0423be3d","keyframes":[{"offset":0,"transform":"translate3d(0, -607.98264%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":0.29,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"},{"offset":0.45,"transform":"translate3d(0, -170.96471836799998%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":0.61,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"},{"offset":0.71,"transform":"translate3d(0, -58.123140383999996%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":0.8,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"},{"offset":0.85,"transform":"translate3d(0, -21.826576776%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":0.92,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"},{"offset":0.96,"transform":"translate3d(0, -9.484529184%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":1,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"}],"delay":0,"duration":950,"fill":"both"}] [{"selector":"#anim-ea994f8e-bdf7-48f9-bfe0-0111fa523c90 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(36.65022641661172%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}]

Qual será o rendimento da poupança em 2022?

[{"selector":"#anim-4a0fe3c5-0bae-46da-8de7-3f61a368dd89 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(29.747335052788625%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-981bfb8f-c490-46b7-8072-90c79f57996c","keyframes":{"opacity":[0,1]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-77ac7232-2b39-4bdc-90a9-a4cbe794d722","keyframes":{"transform":["translate3d(116.45161%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7ba09720-f077-4a30-992a-08b934ed22b6","keyframes":{"opacity":[0,1]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-16e13f6b-6d1b-4cd0-9e7e-daa48bf5b66a","keyframes":{"transform":["translate3d(114.74358%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

A rentabilidade da poupança está atrelada a variáveis macroeconômicas como, por exemplo, a inflação e a taxa básica de juros (SELIC).

[{"selector":"#anim-5fdd4873-10a5-4d87-baa2-72b82db7d480","keyframes":{"opacity":[0,1]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3f6f5633-925f-49c0-a08b-91eefe677037","keyframes":{"transform":["translate3d(116.98717%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

Vale dizer que, com a alta da Selic, o rendimento da poupança pode mudar em 2022. Por isso, é importante entender o cálculo dessa aplicação.

[{"selector":"#anim-3b941f71-ab42-45ed-b2d5-c7d6ea2b7de4","keyframes":{"opacity":[0,1]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-138f93f3-40e7-4f8d-863f-1bcaea434ba7","keyframes":{"transform":["translate3d(115.06409%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dee30f9c-e14d-4951-96c4-05879b306983 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(28.90624987200394%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}]

Cálculo da poupança hoje

[{"selector":"#anim-e098e4ea-05b1-4b46-aa09-89993d77f25e","keyframes":{"opacity":[0,1]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9a76ebc0-afb7-4bb0-b802-7d54cf905415","keyframes":{"transform":["translate3d(116.45161%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1e3f32b3-4e18-4b99-a0c1-1a6377f7c70c","keyframes":{"opacity":[0,1]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b24512b6-adbf-49d0-b7b6-770f353f20c8","keyframes":{"transform":["translate3d(115.06409%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3345c6cc-124c-4501-b057-e01bb83ad8df","keyframes":[{"offset":0,"transform":"translate3d(0, -607.98264%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":0.29,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"},{"offset":0.45,"transform":"translate3d(0, -170.96471836799998%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":0.61,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"},{"offset":0.71,"transform":"translate3d(0, -58.123140383999996%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":0.8,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"},{"offset":0.85,"transform":"translate3d(0, -21.826576776%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":0.92,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"},{"offset":0.96,"transform":"translate3d(0, -9.484529184%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":1,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"}],"delay":0,"duration":950,"fill":"both"}]

Atualmente existem duas regras do rendimento da poupança.

[{"selector":"#anim-ff7ab942-9fa5-4361-b3b1-2307f9f1e767","keyframes":{"opacity":[0,1]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6110b9d6-4b7a-43ad-a2d3-eb1d2bb2760e","keyframes":{"transform":["translate3d(116.66665%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5addfd2c-05a5-404e-8b93-09f836c7dd4d [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(31.249999886225726%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-29aabcc1-dadc-4bb3-af95-1e0ac9e60005","keyframes":{"opacity":[0,1]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8a14e17f-08d3-4f19-ad66-1473d5114aa5","keyframes":{"transform":["translate3d(116.66665%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

2) No entanto, quando a Selic fica abaixo ou igual a 8,5% ao ano, a poupança rende 70% da Selic, mais a TR (que hoje está zerada).

[{"selector":"#anim-35f07e99-c8ba-4c30-beac-7763e7f5f530","keyframes":{"opacity":[0,1]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-957be1ec-da41-4866-8b19-306d48748226","keyframes":{"transform":["translate3d(116.66665%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

Vale a pena investir na poupança em 2022?

[{"selector":"#anim-28bd98a3-cebb-4733-a8c9-47ffaa0e0c3e","keyframes":{"opacity":[0,1]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8ec8b995-03cc-4bcc-9162-abfdd3c31f1a","keyframes":{"transform":["translate3d(116.45161%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-88cafabd-0521-48c2-8ae6-ad856e24ab16","keyframes":{"opacity":[0,1]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-31afa10e-f4f5-4cc2-83e8-fa0ed635a02a","keyframes":{"transform":["translate3d(115.06409%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1ca413d2-3fa9-4c1d-8fca-a26653407a01","keyframes":[{"offset":0,"transform":"translate3d(0, -607.98264%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":0.29,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"},{"offset":0.45,"transform":"translate3d(0, -170.96471836799998%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":0.61,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"},{"offset":0.71,"transform":"translate3d(0, -58.123140383999996%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":0.8,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"},{"offset":0.85,"transform":"translate3d(0, -21.826576776%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":0.92,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"},{"offset":0.96,"transform":"translate3d(0, -9.484529184%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":1,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"}],"delay":0,"duration":950,"fill":"both"}] [{"selector":"#anim-e055a02c-0010-48e8-ae45-3aa657a9051c [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(41.7382810217537%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}]

A rentabilidade da poupança é extremamente baixa, ou até negativa.

[{"selector":"#anim-76b9cf79-3115-473c-b9b4-b64725d71e14","keyframes":{"opacity":[0,1]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6fbac7aa-a90b-482b-bc21-676a8690ee16","keyframes":{"transform":["translate3d(116.34615%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2c9d25e7-b98d-439f-ad30-42a9e1c8a1bb","keyframes":{"opacity":[0,1]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8b9867c0-de7d-4517-8ba5-e849a07acd03","keyframes":{"transform":["translate3d(116.34615%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-316737dc-2fb3-4f9a-b3db-92a9e6ab85c3 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(29.747335052788625%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}]

No cenário atual, tem sido fácil encontrar investimentos em renda fixa que pagam mais do que a poupança.

[{"selector":"#anim-2933124d-a008-4f06-9770-a2f78201715b [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(47.30203448153595%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-480cbe0a-e2f4-46f8-a216-18d8ebf6550d","keyframes":{"opacity":[0,1]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-682b5831-d52a-4f52-bb85-6874ef3ba0e7","keyframes":{"transform":["translate3d(115.70512%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-979110c1-d683-4726-b196-df4e62ff0c59","keyframes":{"opacity":[0,1]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-79c848ef-780c-43fb-83eb-45b3acd4dac3","keyframes":{"transform":["translate3d(115.70512%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

Investimentos mais atrativos que a poupança

[{"selector":"#anim-99ede71e-db1d-4032-83ce-aee9367f2858","keyframes":{"opacity":[0,1]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-be15297d-88cc-4c5c-b3e1-5e6eb77d39d8","keyframes":{"transform":["translate3d(116.45161%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f08106d0-d1cd-48c2-a7ec-ad443e8c2e41","keyframes":{"opacity":[0,1]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-65eef18b-32ec-45c4-a2e3-7ce4881374c5","keyframes":{"transform":["translate3d(114.74358%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9fef6c08-5711-47f8-8f39-9c90c175cac8","keyframes":[{"offset":0,"transform":"translate3d(0, -607.98264%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":0.29,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"},{"offset":0.45,"transform":"translate3d(0, -170.96471836799998%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":0.61,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"},{"offset":0.71,"transform":"translate3d(0, -58.123140383999996%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":0.8,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"},{"offset":0.85,"transform":"translate3d(0, -21.826576776%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":0.92,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"},{"offset":0.96,"transform":"translate3d(0, -9.484529184%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":1,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"}],"delay":0,"duration":950,"fill":"both"}] [{"selector":"#anim-e83a0911-32b0-4bba-994f-21d783176206 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(48.437499751948394%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}]

Tesouro Selic

[{"selector":"#anim-53836d76-b8dd-4284-a717-3664dc2caa9e","keyframes":{"opacity":[0,1]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-155d0490-3d50-45cd-a4c5-315cad251034","keyframes":{"transform":["translate3d(117.30768%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-82067cd6-c12d-47c1-a1c2-7e939c97de03","keyframes":{"opacity":[0,1]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-23316760-3770-42af-931a-06d6f849139a","keyframes":{"transform":["translate3d(116.34615%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d3bed05e-703c-408c-b530-004b7b282385","keyframes":{"opacity":[0,1]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-30b28ccd-2dbc-4601-b7cc-b2abb3af32a1","keyframes":{"transform":["translate3d(117.30768%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d474c5da-6165-4c2e-8b79-f4b2417601b0","keyframes":{"opacity":[0,1]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-80ddd54d-8bde-4380-b083-f600bf4886a1","keyframes":{"transform":["translate3d(116.66665%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

[{"selector":"#anim-5e05f4e6-e633-403c-b9be-bcd0f0c8f73c [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] Saiba mais!