{"id":26819,"date":"2022-07-20T14:43:01","date_gmt":"2022-07-20T11:43:01","guid":{"rendered":"https:\/\/valorizei.com\/?p=26819"},"modified":"2025-03-27T15:15:46","modified_gmt":"2025-03-27T12:15:46","slug":"quanto-rende-r-70-mil-na-poupanca","status":"publish","type":"post","link":"https:\/\/valorizei.com\/en\/quanto-rende-r-70-mil-na-poupanca\/","title":{"rendered":"How much does R$ 70 thousand yield in savings today?"},"content":{"rendered":"

Find out how much R$ 70 thousand yields in savings and how the yield is calculated<\/strong><\/p>\n\n\n\n

\n\n\n\n

After all, how much does R$ 70 thousand yield in savings?<\/p>\n\n\n\n

When it comes to investments, savings accounts are not the best option. However, due to the security and practicality they offer, savings accounts continue to be a high investment volume in Brazil.<\/p>\n\n\n\n

In today\u2019s article, we\u2019ll explain in more detail how income is calculated in this type of bank account. Keep reading to find out more.<\/p>\n\n\n\n

\"quanto<\/figure>\n\n\n\n

How is savings income calculated?<\/strong><\/h2>\n\n\n\n

Before knowing how much R$ 70 thousand yields in savings, it is important to know how the yield on this application is calculated.<\/strong><\/p>\n\n\n\n

Savings interest is related to two rates: Selic rate<\/a>, which is the basic interest rate of the Brazilian economy, and the reference rate (TR).<\/p>\n\n\n\n

Since 2012, the yield of this bank account has undergone a change. Currently, the calculation works as follows:<\/p>\n\n\n\n

\u2022 When the Selic rate is below 8.5% per year, savings yield 70% of the value of the basic interest rate (Selic) plus the reference rate (TR)<\/p>\n\n\n\n

\u2022 When the Selic rate is above 8.5% per year, the yield is 0.5% per month + the reference rate (TR)<\/p>\n\n\n\n

Currently, the Selic rate is at 13.25% per year. Therefore, the savings yield today is 0.5% per month plus the Reference Rate (TR).<\/p>\n\n\n\n

In other words, the yield is equivalent to 6.17% per year.<\/a><\/p>\n\n\n\n

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How much does R$ 70 thousand yield in savings?<\/strong><\/h2>\n\n\n\n

Now that you know how savings income works, it's time to find out how much R$ 70 thousand yields per month.<\/strong><\/p>\n\n\n\n

To do this, we have to consider that the Selic rate is higher than 8.5% per year and the reference rate is 0.17%.<\/p>\n\n\n\n

According to the calculator Finance One<\/a>, by applying R$ 70 thousand in savings, after 12 months, you will have a total of R$ 74,443.26. This means that the return during this time was R$ 4,443.26 (considering a profitability of 6.17% per year).<\/p>\n\n\n\n

Now, if you leave R$ 70 thousand invested for just one month, you will have R$ 70,350.00. Therefore, the monthly income in this case was R$ 350.<\/p>\n\n\n\n

\"caderneta<\/figure>\n\n\n\n

How does inflation affect savings profitability?<\/strong><\/h2>\n\n\n\n

As you can see, savings do offer profitability.<\/strong><\/p>\n\n\n\n

So obviously it's better leave your money in savings <\/strong>than \u201cunder the mattress\u201d. However, when it comes to investment, there are options that are just as safe as savings, which offer a much more interesting return.<\/p>\n\n\n\n

Furthermore, savings have been losing out to inflation for several months in a row.<\/p>\n\n\n\n

In other words, by leaving your money in savings,<\/a> you are losing your purchasing power, especially in the medium and long term.<\/p>\n\n\n\n

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Is it worth leaving money in savings?<\/strong><\/h2>\n\n\n\n

Ease and convenience are some of the main reasons why Brazilians still keep money in savings accounts.<\/strong><\/p>\n\n\n\n

Savings is a safe fixed income investment, however, its returns may be below inflation.<\/p>\n\n\n\n

In fact, in October 2021 savings reached the worst profitability<\/a> in 30 years, according to a survey carried out by the financial information company Economatica.<\/p>\n\n\n\n

We are living in a scenario of high inflation, which causes the cost of living to increase further.<\/p>\n\n\n\n

For this reason, it is very important to study other investment possibilities, to know your investor profile<\/a> and set financial goals. <\/p>\n\n\n\n

This way, you will be able to better understand other types of financial investments, which in addition to being safe, offer a better return than savings.<\/p>\n\n\n\n

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Digital accounts that yield more than savings accounts<\/strong><\/h2>\n\n\n\n

There are completely free digital accounts that offer a better return than savings accounts.<\/p>\n\n\n\n

Check out some of these options below:<\/p>\n\n\n\n

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Picpay<\/strong><\/h3>\n\n\n\n

Picpay is one of the largest payment apps in Brazil.<\/strong><\/p>\n\n\n\n

By creating an account on Picpay, you can make purchases at establishments, pay bills, transfer money to your friends and much more.<\/p>\n\n\n\n

Furthermore, when leaving money on Picpay,<\/a> you can count on a more attractive return than savings.<\/p>\n\n\n\n

Currently, your Picpay balance yields up to 102% of the CDI every business day. To obtain this yield, you need to have at least R$ 1 in your wallet.<\/p>\n\n\n\n

For amounts above R$ 100 thousand, the balance yields 100% of the CDI.<\/p>\n\n\n\n

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Nubank<\/strong><\/h3>\n\n\n\n

Recently, Nubank announced that the way money earns in the digital bank will change.<\/strong><\/p>\n\n\n\n

This did not please many customers.<\/p>\n\n\n\n

The value of new deposits will continue to yield 100% of the CDI, however, only after 30 days of the amount entering your digital account.<\/p>\n\n\n\n

But this change came with a new feature<\/a>: the \u201clittle boxes\u201d, a new income system, which allows customers to save money in an organized way, setting goals.<\/p>\n\n\n\n

Like this?<\/p>\n\n\n\n

Well, in this new tool, the system will allow personalized applications, with different objectives, such as emergency reserves, courses, trips, among others.<\/p>\n\n\n\n

It is you who will define the objective, according to your goals.<\/p>\n\n\n\n

Inside these little boxes, the money can yield 100% of the CDI<\/a> or even more, depending on the option chosen.<\/p>\n\n\n\n

The boxes work as follows:<\/p>\n\n\n\n

\u2022 You can create a box called \u201ctravel\u201d, and, every month, set aside an amount for this goal.<\/p>\n\n\n\n

\u2022 At the same time, you create another little box called \u201cemergency fund\u201d to save that money and only touch that little box when an unexpected financial situation arises.<\/p>\n\n\n\n

For now, there are two types of investments available in the boxes.<\/p>\n\n\n\n

One of them is Nubank's RDB, with a yield of 100% of the CDI and protection of the Credit Guarantee Fund (FGC)<\/a> and immediate liquidity, which means you can withdraw the money whenever you want.<\/p>\n\n\n\n

The other is Nu Reserva Imediata, a fund with potential returns above the 100% of the CDI, over time, with the option to withdraw on any business day.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Conclusion<\/strong><\/h2>\n\n\n\n

Now you know how much R$ 70 thousand yields in savings and how the yield of this type of bank account is calculated.<\/p>\n\n\n\n

Although savings are safe and practical, it is important to remember that when it comes to medium and long-term investments, there are more advantageous options, such as other digital accounts or fixed income investments, for example.<\/p>","protected":false},"excerpt":{"rendered":"

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