Is savings a good investment? Investing is necessary, however, choosing the best investments is the secret that will give you greater gains.
Most Brazilians heard from their parents about saving money in a savings account, so we have a special fondness for it.
A golden tip is always to evaluate the risks and the yield before choosing where our money will be kept or invested.
Thus, we can think about the risk of losing our money, in addition, we can project our income over the months.
Is savings a good investment? Let's think about some different investments that can be more profitable than leaving money in a savings account.
Savings is not a good investment
First, you need to analyze an investment by its yield over the years. Despite offering great security to investors.
One piece of data that points to something interesting is that in 2022 withdrawals were greater than savings deposits. Withdrawals exceeded R$ 103 billion, this factor points to something important.
The first issue is that, people would not withdraw their investment if the savings yielded a return. Thus, investing in savings is nothing that Brazilians are seeing as advantageous.
Many Brazilians choose this option because it is the simplest, since we don't need any knowledge to leave money in savings.
In order to have an idea of the return, in 2021 savings yielded only 2,94% in the year. Evaluating the inflation of more than 10% in the period, those who invested in savings had a negative return.
Already in 2021, the return on savings was the worst since 1990. These numbers are disheartening, especially if you want your money to income.
Where to invest to get better income?
Here we will introduce you to some investments with better returns than savings. Therefore, you should choose one of these options to get better returns for your money.
news.digitalseguro.com
direct treasury
In principle, investing in direct Treasury means lending money to the federal government, which will use these amounts to invest in the country.
Among the main investments will be infrastructure and bearing the costs of the State. You will get your money back with interest.
The risk is small, as the Federal Government is responsible for its payment. Even though the country is going through an economic crisis, it is difficult to lose when investing in the Direct Treasury.
CBD
Here the investment is different from the previous one, as you lend money to the bank and not the government.
The follow CDB means Certificate of Bank Deposit, here is a more profitable option than savings and with low risk.
When you invest in CDB, banks use this money to make loans and financing.
That way, between leaving money in savings and investing in the CDB, it will be much better to invest in the CDB. After all, you have higher returns and lower risk.
LCI
Finally, LCI is an investment related to real estate, with better returns than savings.
LCI manages to combine low risk with other interesting attractions. The first factor is that the amount is guaranteed by the Credit Guarantee Fund.
READ TOO:
- Best apps to track any cell phone by number
- Learn to fix car and motorcycle by cell phone
- How to watch free HBO channels
In this way, even if there is a financial crisis in the banking institution, its value is assured. In addition, you are exempt from Income Tax, which makes
Do an analysis with a banking institution, the account managers have the knowledge to do the simulations and indicate the best investment.
However, to the question, is savings a good investment? The answer is no.
