{"id":251616,"date":"2019-11-07T12:20:43","date_gmt":"2019-11-07T15:20:43","modified":"2021-11-15T20:28:07","modified_gmt":"2021-11-15T23:28:07","slug":"poupanca-e-reducao-da-selic-como-isso-afeta-meu-investimento","status":"publish","type":"post","link":"https:\/\/noticias.adventistas.org\/pt\/coluna\/paulo.coelho\/poupanca-e-reducao-da-selic-como-isso-afeta-meu-investimento\/","title":{"rendered":"Poupan\u00e7a e redu\u00e7\u00e3o da Selic: como isso afeta meu investimento?"},"content":{"rendered":"<div id=\"attachment_251624\" style=\"width: 1510px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-251624\" class=\"wp-image-251624 size-full\" src=\"https:\/\/files.adventistas.org\/noticias\/pt\/2019\/11\/07120308\/poupanca-e-reducao-da-selic-como-isso-afeta-meu-investimento.jpg\" alt=\"\" width=\"1500\" height=\"1000\" srcset=\"https:\/\/files.adventistas.org\/noticias\/pt\/2019\/11\/07120308\/poupanca-e-reducao-da-selic-como-isso-afeta-meu-investimento.jpg 1500w, https:\/\/files.adventistas.org\/noticias\/pt\/2019\/11\/07120308\/poupanca-e-reducao-da-selic-como-isso-afeta-meu-investimento-768x512.jpg 768w, https:\/\/files.adventistas.org\/noticias\/pt\/2019\/11\/07120308\/poupanca-e-reducao-da-selic-como-isso-afeta-meu-investimento-150x100.jpg 150w, https:\/\/files.adventistas.org\/noticias\/pt\/2019\/11\/07120308\/poupanca-e-reducao-da-selic-como-isso-afeta-meu-investimento-730x487.jpg 730w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/><p id=\"caption-attachment-251624\" class=\"wp-caption-text\">Com a volatilidade na economia, investidor precisa procurar outras op\u00e7\u00f5es que sejam mais vantajosas (Foto: Shutterstock)<\/p><\/div>\n<p><span data-contrast=\"auto\">Seja p<\/span><span data-contrast=\"auto\">or quest\u00f5es culturais,<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">f<\/span><span data-contrast=\"auto\">alta de educa\u00e7\u00e3o financeira<\/span><span data-contrast=\"auto\">\u00a0ou para n\u00e3o pagar\u00a0<\/span><span data-contrast=\"auto\">I<\/span><span data-contrast=\"auto\">mposto de\u00a0<\/span><span data-contrast=\"auto\">R<\/span><span data-contrast=\"auto\">enda sobre\u00a0<\/span><span data-contrast=\"auto\">seus ganhos<\/span><span data-contrast=\"auto\">, o brasileiro gosta de<\/span><span data-contrast=\"auto\">\u00a0investir<\/span><span data-contrast=\"auto\">\u00a0na caderneta de poupan\u00e7a.\u00a0<\/span><span data-contrast=\"auto\">E os valores depositados s\u00e3o altos: a<\/span><span data-contrast=\"auto\">penas em outubro deste ano,\u00a0<\/span><span data-contrast=\"auto\">ultrapassaram 800 bilh\u00f5es de reais<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Existe uma regra simples para a remunera\u00e7\u00e3o no investimento da poupan\u00e7a, pois h\u00e1 somente duas vari\u00e1veis envolvendo a taxa Selic (Sistema Especial de Liquida\u00e7\u00e3o de Cust\u00f3dia), instrumento criado e controlado pelo Banco Central para registrar as opera<\/span><span data-contrast=\"auto\">\u00e7\u00f5es do Tesouro Nacional<\/span><span data-contrast=\"auto\">, e a Taxa Referencial (TR) de juros da economia brasileira, criada para tentar controlar a infla\u00e7\u00e3o. Desde setembro de 2017, ela est\u00e1 em 0% ao m\u00eas.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<h4><b>Leia tamb\u00e9m:<\/b><\/h4>\n<ul>\n<li><a href=\"https:\/\/noticias.adventistas.org\/pt\/coluna\/paulo-coelho\/endividamento-familiar-como-vencer-esse-mal\/\" target=\"_blank\" rel=\"noopener\">Endividamento familiar: como vencer esse mal?<\/a><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">A regra \u00e9 a seguinte: q<\/span><span data-contrast=\"auto\">uando<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">a S<\/span><span data-contrast=\"auto\">elic<\/span><span data-contrast=\"auto\">\u00a0estiver acima de 8,5% ao ano, o rendimento da poupan\u00e7a ser\u00e1 de\u00a0<\/span><span data-contrast=\"auto\">6,17% no mesmo per\u00edodo<\/span><span data-contrast=\"auto\">,<\/span><span data-contrast=\"auto\">\u00a0mais\u00a0<\/span><span data-contrast=\"auto\">taxa TR<\/span><span data-contrast=\"auto\">. No entanto,<\/span><span data-contrast=\"auto\">\u00a0se a Taxa S<\/span><span data-contrast=\"auto\">elic<\/span><span data-contrast=\"auto\">\u00a0estiver igual ou inferior a 8,5% ao ano, a rentabilidade da poupan\u00e7a ser\u00e1 de 70% da taxa S<\/span><span data-contrast=\"auto\">elic<\/span><span data-contrast=\"auto\">\u00a0mais a TR.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Para facilitar a compreens\u00e3o<\/span><span data-contrast=\"auto\">, veja a simula\u00e7\u00e3o abaixo<\/span><span data-contrast=\"auto\">:<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<table data-tablestyle=\"MsoNormalTable\" data-tablelook=\"1184\">\n<tbody>\n<tr>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">\u202f<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><b><span data-contrast=\"none\">Regra 1<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><b><span data-contrast=\"none\">Regra 2<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">Selic<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">8,60%<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">5%<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">TR<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">0%<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">0%<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">Investimento\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">\u00a0R$1.000,00\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">\u00a0R$1.000,00\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">Juros no ano<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">\u00a0R$61,70\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">\u00a0R$35,00\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">Montante Final<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">\u00a0R$1.061,70\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">\u00a0R$1.035,00\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h4><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/h4>\n<h4><b><span data-contrast=\"auto\">Rentabilidade baixa<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:259}\">\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/h4>\n<p><span data-contrast=\"auto\">Em 30 de outubro deste ano o Banco Central divulgou que agora a taxa Selic est\u00e1 definida em 5% ao ano e que h\u00e1 a expectativa de redu\u00e7\u00e3o num futuro pr\u00f3ximo. Diante deste cen\u00e1rio, surge a pergunta: a poupan\u00e7a ainda \u00e9 um investimento interessante?<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Para responder ao questionamento, o investidor deve estar atento ao IPCA (<\/span><span data-contrast=\"auto\">\u00cdndice<\/span><span data-contrast=\"auto\">\u00a0Nacional de Pre\u00e7o ao Consumidor Amplo), apurado pelo Instituto Brasileiro de Geografia e Estat\u00edstica (IBGE) e utilizado oficialmente pelo governo brasileiro para medir a infla\u00e7\u00e3o das fam\u00edlias que recebem de 1 a 40 sal\u00e1rios m\u00ednimos. No site do Banco Central do Brasil, a meta de infla\u00e7\u00e3o para 2020 \u00e9 de 4% ao ano, podendo flutuar de 2,5% a 5,5%.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Com esses dados em m\u00e3os, podemos fazer algumas compara\u00e7\u00f5es, considerando a taxa Selic de 5% com os tr\u00eas poss\u00edveis cen\u00e1rios inflacion\u00e1rios dado pelo Banco Central. Ao verificar essas possibilidades e seus respectivos resultados estaremos mais aptos a definir o destino dos investimentos.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<table style=\"font-weight: 400;\" data-tablestyle=\"MsoNormalTable\" data-tablelook=\"1184\">\n<tbody>\n<tr>\n<td data-celllook=\"69905\"><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><strong>Cen\u00e1rio com\u00a0\u00a0<\/strong><\/td>\n<td data-celllook=\"69905\"><strong>Cen\u00e1rio com\u00a0\u00a0<\/strong><\/td>\n<td data-celllook=\"69905\"><strong>Cen\u00e1rio com\u00a0\u00a0<\/strong><\/td>\n<\/tr>\n<tr>\n<td data-celllook=\"69905\"><strong>\u00a0<\/strong><\/td>\n<td data-celllook=\"69905\"><strong>Infla\u00e7\u00e3o a 2,5%\u00a0<\/strong><\/td>\n<td data-celllook=\"69905\"><strong>Infla\u00e7\u00e3o a 4%\u00a0<\/strong><\/td>\n<td data-celllook=\"69905\"><strong>Infla\u00e7\u00e3o a 5,5%<\/strong><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td data-celllook=\"69905\"><strong>Selic\u00a0<\/strong><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">5%<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">5%<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">5%<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td data-celllook=\"69905\"><strong>TR\u00a0<\/strong><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">0%<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">0%<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">0%<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td data-celllook=\"69905\"><strong>Investimento\u00a0<\/strong><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">\u00a0R$1.000,00\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">\u00a0R$1.000,00\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">\u00a0R$1.000,00\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td data-celllook=\"69905\"><strong>Infla\u00e7\u00e3o\u00a0<\/strong><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">-R$25,00\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">-R$40,00\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">-R$55,00\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td data-celllook=\"69905\"><strong>Juros\u00a0<\/strong><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">\u00a0R$35,00\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">\u00a0R$35,00\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">\u00a0R$35,00\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td data-celllook=\"69905\"><strong>Montante<\/strong><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">\u00a0R$1.010,00\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">\u00a0R$995,00\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><span data-contrast=\"none\">\u00a0R$980,00\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Os resultados do quadro acima apontam que apenas no cen\u00e1rio de infla\u00e7\u00e3o a 2,5% ao ano compensaria deixar o valor investido na caderneta de poupan\u00e7a. Nos outros dois contextos haveria perda no poder de compra. Sendo assim, o investidor precisa olhar para outras op\u00e7\u00f5es, tais como fundos imobili\u00e1rios, Tesouro Direto com data de vencimento de longo prazo, fundos de cr\u00e9dito privado, mercado de a\u00e7\u00f5es, etc.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Para proteger seu poder de compra ser\u00e1 necess\u00e1rio sair da zona de conforto, buscar mais informa\u00e7\u00f5es dos investimentos que o mercado financeiro oferece e manter as finan\u00e7as em dia.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Entenda o que fazer diante da queda da taxa e que op\u00e7\u00f5es escolher para aumentar sua rentabilidade. <\/p>\n","protected":false},"author":221,"featured_media":251624,"comment_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"xtt-pa-format":[3879],"xtt-pa-classification":[],"xtt-pa-editorias":[3765],"xtt-pa-departamentos":[],"xtt-pa-projetos":[],"xtt-pa-regiao":[],"xtt-pa-sedes":[],"xtt-pa-owner":[],"class_list":["post-251616","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","xtt-pa-format-coluna","xtt-pa-editorias-economia"],"acf":false,"terms":{"editorial":"Economia","format":"Coluna"},"featured_media_url":{"full":"https:\/\/files.adventistas.org\/noticias\/pt\/2019\/11\/07120308\/poupanca-e-reducao-da-selic-como-isso-afeta-meu-investimento.jpg","medium":"https:\/\/files.adventistas.org\/noticias\/pt\/2019\/11\/07120308\/poupanca-e-reducao-da-selic-como-isso-afeta-meu-investimento-768x512.jpg","small":"https:\/\/files.adventistas.org\/noticias\/pt\/2019\/11\/07120308\/poupanca-e-reducao-da-selic-como-isso-afeta-meu-investimento-140x90.jpg","pa-block-preview":"https:\/\/files.adventistas.org\/noticias\/pt\/2019\/11\/07120308\/poupanca-e-reducao-da-selic-como-isso-afeta-meu-investimento-140x90.jpg","pa-block-render":"https:\/\/files.adventistas.org\/noticias\/pt\/2019\/11\/07120308\/poupanca-e-reducao-da-selic-como-isso-afeta-meu-investimento-290x220.jpg"}}