Investments starting from R$10.00 – Find out all about Neon’s financial investments
Neon's financial investments are safe and offer good profitability. Read the text until the end and learn everything you need to know to make your money multiply!
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Did you know that with just R$ 10.00, you can invest in Neon's financial applications?
Therefore, if you are thinking about increasing your financial assets in the long term or want to build your emergency fund, Banco Neon may be a great option for you!
If you want to know more about these applications, keep reading. We will explain everything about the subject!
Why invest in Neon financial applications?
Neon is a fintech founded in 2016 that is also considered a digital bank.
Like its main competitors, Banco Neon does not charge an annual fee or account opening fee.
In addition to a digital account for individuals and a fintech credit card, the company also offers an account for legal entities.
Banco Neon has a great reputation in the market, credibility and every day that passes, it gains more customers.
Best of all, the returns on your investments through the Neon App are greater than those on traditional savings accounts.
Another benefit is liquidity: you can withdraw your money whenever you want.
The investments from Neon are CDBs (Bank Deposit Certificates) from Banco Votorantim.
What is CBD?
CDB (Bank Deposit Certificate) is a fixed income investment.
To the invest in a CDB, you are lending your money to the bank. This investment will be returned to you with interest.
As you already know, in the case of Neon, the investment is made in a CDB from Banco Votorantim, which is responsible for settling the financial transactions of Neon's customers.
Because it is a safe investment, guaranteed by the FGC (Credit Guarantee Fund) and offers good profitability, higher than the traditional savings account, this investment is recommended for those who want to put “money to work”.
This way, you accelerate your financial growth and increase your assets.
How does CDB Neon work?
The minimum investment is just R$ 10.00. In other words, we are talking about a super affordable investment.
The company does not charge any investment fees. However, when you withdraw the money, you will be subject to income tax on the amount of the income.
If the redemption is made in less than 30 days, there will also be an IOF (Tax on Financial Transactions) charge.
You can invest in two ways:
Application objective
The objective application, as the name suggests, is more suitable for those who already have a goal.
In this case, the CDB yield is progressive and is between 95% and 101% of the CDI.
The minimum yield (95%) is valid for applications of up to six months.
The maximum investment (101%) is acquired in three-year investments.
If you choose this option, you must define a daily or monthly amount to apply.
Free investment
Free investment is ideal for those who have money to spare and want to start earning income.
It’s also a great option for anyone looking to build an emergency fund.
In this type of investment you can make investments from R$ 10.00 and there is no scheduled date or value.
In other words, you can make new contributions whenever you want.
Is there a minimum value for Neon's financial investments in CDB?
In some financial institutions, there are very high minimum amounts to invest in a CDB.
Depending on the bank, you can start with just under R$1,000.00. In others, you will need to invest at least R$25,000.00.
But at Neon bank, you can start with just R$ 10.00.
How to invest in CDB through Neon?
Now that you know what CDB Neon is, it's time to start using it.
The first step is to open an account through the app.
Then follow these steps:
• Click on “Investments”
• Click on “Create new investment”
• Choose between free and objective
If you choose to "Free", decide how much you want to invest. Then click on “Create investment” and that’s it!
Now, if you opted for the “Objective”, Give your investment a name, which is the name you want to call your goal, such as “travel” or “car”.
Then, enter the amount you intend to save to achieve this goal.
Then, enter the amount you want to invest per month or per day until you reach the desired amount.
Also enter the best day for the amount to leave your account and go to your target.
The application itself will show you how long it will take you to save the money you want and thus be able to achieve your goal.
Finally, click on “Create investment”.
Why invest in CDB?
CDB is one of the best fixed income applications.
Because they are issued by institutions regulated by the Central Bank, CDBs are among the safest investment options.
It is a great option for those who are starting to create an investment portfolio or have a more conservative profile, that is, prioritize security when investing.
Regarding the main advantage, we can mention the profitability, which even with the Income Tax discount, is higher than savings.
But that's not the only benefit, since CDB is a super accessible and practical investment. After all, you can make financial investments online and choose a security with daily liquidity.
Neon is considered one of the best digital banks in Brazil.
And if you can not only save your money, but also make it start to yield, so that you can increase your financial assets, why not invest in CDB?
As we have already shown, Neon's financial applications are very practical and fast.
By choosing this type of investment, you accelerate your financial growth, but without giving up security!
Conclusion
Are you looking for practicality and profitability? Then the financial applications of Neon are the right option for your investment portfolio.
Now, you just need to decide whether you prefer the “Objective Application” or the “Free Investment”.
To choose between these options, take into account your main financial goals!
