2023-11-06 00:30:00
The Nubank account offers its account holders the opportunity to obtain a return equivalent to 100% of the CDI (Interbank Deposit Credit), making it an attractive investment alternative compared to the traditional savings account. To benefit from this income, customers must keep their money invested in the bank for a minimum period of 30 days.
The CDI is a short-term bond issued by financial institutions and is directly linked to the country’s basic interest rate, known as Selic. Currently, the CDI is calculated based on an annual rate of 13.25% or 1.03% per month.
How much does R$1 million make
To illustrate the difference, consider an investor who invests R$1,000 in Nubank savings for 30 days, considering the current rates. In this scenario, he would obtain a return of R$8.02. On the other hand, if the same amount were invested in traditional savings, the return after the same period would be just R$6.77.
This discrepancy becomes more evident when deciding on longer terms. If the money were kept invested for 12 months, Nubank’s savings would yield R$108.49, while the traditional savings account, under the same conditions, would yield only R$84.32.
It is important to highlight that, when the Selic is above 8.5% per year, savings offer a return of 0.5% per month, plus the Reference Rate (TR). In the last 12 months, savings yielded 8.38% per year (6.17% + TR).
The savings granted by Nubank allow its account holders to make investments from just R$1, or to become accessible to a wide audience who want to obtain better returns compared to traditional savings, maintaining liquidity and flexibility in their finances. Therefore, this option represents an interesting alternative for investors looking to maximize their earning potential with a low initial investment.
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