SAD news has just come out (14/02) for Brazilians with savings accounts at Caixa, Bradesco, BB and more

Find out how the fall in the Selic rate impacts the profitability of your savings account and explore more profitable investment alternatives.

Today is one of those days when the news doesn’t bring good news, especially for those who have a savings account.

It’s that moment to sit down, take a deep breath and understand what’s happening. Savings, this safe haven for so many Brazilians, is undergoing important changes.

And yes, this directly affects your pocket. Want to know how? So, read on with plasticaxe.pro and stay informed.

Understand the effect of the new Selic rate on your savings account and learn about investments that can increase your income. (Credit: @jeanedeoliveirafotografia / pronatec.pro.br).

How is the income on savings currently?

Savings have always been popular due to their simplicity and security. Who has never heard a family member say: "leave your money in savings and it's safe"?

However, the profitability of our old acquaintance depends a lot on the Selic, the basic interest rate. And here comes the part we need to face: the Selic fell to 11.25% per year.

The fall, as expected, affected the return on savings. But what does this really mean? With Selic at this level, savings will yield around 7.81% per year.

It may seem like a good number at first glance, but when we weigh it with inflation, the real gain decreases significantly.

And here’s the thing: your money in savings is growing, but at a rate that may not keep up with your expectations.

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What to expect from now on?

With the Selic projected to close the year at 9%, the profitability of savings should remain at the same pace.

Looking at 2025, the forecast is that the Selic will remain at 8.5%, which would take the profitability of savings to an even more modest level.

It is a scenario that requires attention and, perhaps, a reassessment of where to keep your savings.

More profitable alternatives to savings

It is not just savings that the investor lives on. There are other fixed income options that can be more beneficial to your pocket.

CDBs with yields above 85% of the CDI and investment funds with management fees below 2.5% are clear examples of alternatives that may be more advantageous.

Advantages and disadvantages of savings

Yes, savings have their advantages, such as exemption from Income Tax and easy access to money.

However, the current reality requires us to also look at the disadvantages, the main one being lower profitability compared to other options on the market.

How much does R$1,000 yield after 6 months?

Investment Net value, in R$ Gross, in % Net, in % Actual net, in %*
Savings R$ 1.038,32 3,83 3,83 2,85
Treasury Selic 2026 (Selic + 0.034%) R$ 1.039,33 5,17 3,93 2,95
CDB with daily liquidity, at 104% of the CDI R$ 1.042,47 5,31 4,25 3,27
CDB/RDB/LC, a 108% do CDI R$ 1.044,06 5,51 4,41 3,42
LCI/LCA/incentivized debenture, at 93% CDI R$ 1.047,60 4,76 4,76 3,77
CDB/RDB/LC, a IPCA + 6,35% ao ano R$ 1.032,85 4,11 3,29 2,31
CDB/RDB/LC prefixed 11.50% per year R$ 1.044,75 5,59 4,47 3,49

How much does R$1,000 yield after 1 year?

Investment Net value, in R$ Gross, in % Net, in % Actual net, in %*
Savings R$ 1.078,11 7,81 7,81 3,80
Treasury Selic 2026 (Selic + 0.034%) R$ 1.081,22 10,10 8,12 4,10
CDB with daily liquidity, at 104% of the CDI R$ 1.085,50 10,36 8,55 4,52
CDB/RDB/LC, a 108% do CDI R$ 1.094,54 11,46 9,45 5,39
LCI/LCA/incentivized debenture, at 93% CDI R$ 1.095,66 9,57 9,57 5,49
CDB/RDB/LC, a IPCA + 6,35% ao ano R$ 1.086,25 10,46 8,63 4,59
CDB/RDB/LC prefixed 11.50% per year R$ 1.093,23 11,3 9,32 5,26

Exploring new horizons

For those looking for more than savings can offer, the market has several open doors. Tesouro Direto, CDBs and Investment Funds are just the beginning.

Whatever the case, the important thing is to understand your investor profile and your financial objectives to make choices aligned with your needs.

The news is not the best, but it serves as an invitation to rethink our financial strategies.

In times of change, information is key. Evaluate your options, study the alternatives and, if necessary, seek professional help. Don’t let your money sit idle, but rather, work for you.

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