How to calculate CDI to invest better?

Do you know what it is or how to calculate CDI? 

In the financial market there are many acronyms and terms that can seem confusing and difficult at first. 

However, once you discover them, you realize that it is not rocket science and how important it is to know them in order to invest better.

Therefore, in today's text, you will learn more details about the CDI, how it is calculated and some investments linked to this rate.

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What is CDI?

According to Central Bank rules, banking institutions must end the day with a positive cash balance. 

This rule is useful for stabilizing the country's financial system, the CDI rate serves exactly to regulate this system.

This is because banking institutions do not always close the day with a positive cash balance, since there are days when the amount of withdrawals is greater than the amount of deposits.

So, banks that are unable to close the day with green cash take out a loan from another bank through the Interbank Deposit Certificate title.

These securities are issued by banks that closed their cash flow with a positive balance at the end of the day.

The CDI has its value linked to the Selic rate, the main regulatory rate in the financial market.

The Selic rate is set by the Central Bank and serves to control inflation. 

How to calculate the CDI of an investment? 

Now that you have learned what CDI is and its function, let's find out How to calculate CDI? 

The CDI rate today is worth 13.65% per year. When you choose an investment that yields 100% of the CDI, it means that it yields exactly 13.65% per year. 

If you choose an investment with a yield of 120% of the CDI, the calculation formula used is as follows: (CDI rate)*(120% / 100)

The calculation based on the current CDI rate is: 13.65%*1.20 = 16.38%. This means that your investment will yield 16.38% per year. 

In an investment of R$1,000 with a yield of 120% of the CDI, over 12 months, you will have a gross yield of R$1,638.00. 

The DI rate, as it is also known, refers to the average interest charged on CDI transactions that day.  

It is calculated and published daily by Cetip, in addition, it is possible to check the updated rate on the website B3. 

What is the difference between CDI and CDB?

The CDB is a type of fixed income investment. The CDI, in turn, as already explained, is not an investment, it is a reference interest rate in the financial market. 

In fact, it serves as a reference for many fixed income investments, such as, for example, the CDB, Bank Deposit Certificate.

In a CDB, the customer lends money to the bank, and in return, he receives this amount plus interest when he withdraws it.

As it is a fixed income investment, the client knows how the return will be calculated and the approximate redemption value.

CDB is a safer and more profitable investment than savings. In addition, it has FGC protection.

Their valuations are competitive even for short-term investments.

Which banks have the highest yields on CDB?

Many banks offer CDB investment models. The rates applied by each may vary. 

There are alternatives that yield up to 200% of the CDI. See below the alternatives with a yield above 100% of the CDI.

1. XP Investments

Banco XP has a CDB with a profitability of 120% of the gross CDI, however, it is only possible to invest amounts between R$25 thousand and R$100 thousand. 

The grace period for this product is only 1 business day and the expiration date is 60 days.

This investment has some restrictions and can only be contracted by the following profiles:

• New XP customers who open an account between 10/27/2022 and 3:00 pm on 12/21/2022.
• Customers who already have an account with XP, but have not transferred any funds to their XP account, made any investment or have not made their first TED. 

To hire, access the XP app or website. Look for CDB Banco XP with profitability of 120% of the CDI.

If you are not yet a customer, you will need to open an account. CDB investments in this bank are subject to IR and IOF. 

2. Sofisa Direct

Banco Sofisa's CDB with daily liquidity yields 110% of the CDI, one of the highest returns on the market. 

With this investment you bring more freedom and practicality to your finances, and you can move it whenever you want. 

The bank also points out that this investment is a good alternative for creating an emergency reserve. 

To find out more details and register, visit the website Sofisa Direct. 

3. CDB PagBank

PagBank offers CDBs with a limit linked to your credit card. You invest in a CDB and the amount invested becomes your credit card limit, but it continues to yield interest. 

There are three options available and each of them has a different profitability, namely: 107%, 110% and 115% of the CDI. 

The minimum requirement and application also varies. It is as follows:

To purchase this product and have a card with no annual fee, international and full of advantages, download the PagBank app and open your account. 

4. CDB BMG

Banco BMG has different CDB products, all with profitability above 100%. Among the alternatives, we find, for example: 

• Superpop – 110% from CDI;
• Progressive – 115% of the CDI;
• DI – 111% of the CDI.

To find out about all the products and the main information about each one, visit the page investments in BMG CDB.  

5. Bari Bank

Banco Bari also has a CDB with excellent profitability, the CDB Flex with a profitability of 120% of the CDI. 

However, it only has daily liquidity after 6 months and its maturity is in 2 years. You can invest any amount starting from R$50.00.

The yield of the Banco Bari Flex CDB is subject to income tax. If you withdraw the amount only on the due date, a percentage of 15% will be charged on the profitability, one of the lowest rates.

To invest, download the app and create your account.

Conclusion

In this text you discovered how to calculate CDI and some CDB options with profitability above 100% of the CDI. 

This investment model is safe and highly valued, so be sure to diversify your portfolio with it. 

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