Compare a poupança a outros investimentos seguros 
Autor: mfurman | Publicado: 2013-02-08T15:52:00-08:00








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<!--StartFragment-->









EXAME.com estreia nesta sexta uma
nova calculadora para descomplicar o universo das aplicações financeiras
mais seguras e conservadoras do país.

Quem poupa dinheiro pode receber de seu banco a proposta de investi-lo
numa caderneta de poupança ou outra aplicação equivalente, como o Certificado
de Depósito Bancário (CDB) ou um fundo DI da própria instituição financeira. O
Tesouro Direto também vem se tornando popular, e um dos títulos oferecidos na
plataforma online do Tesouro Nacional, as Letras Financeiras do Tesouro (LFT),
também funcionam como uma alternativa mais rentável à poupança.

Mas como decidir entre essas aplicações? Na calculadora elaborada pelo
professor Samy Dana, da FGV, o usuário poderá agora comparar a rentabilidade de
todos esses investimentos e decidir qual o seu preferido. Todos eles são, de
alguma forma, atrelados à taxa básica de juros da economia (a Selic), mas os
custos e a parcela de juros paga variam.

O usuário só precisa preencher os campos da calculadora com o montante
que deseja investir e o prazo de investimento. Se quiser comparar um CDB,
deverá fornecer o percentual do CDI (taxa de juros semelhante à Selic) que o
CDB oferecido a ele paga. Já se quiser comparar um fundo DI, basta informar o
percentual do CDI que o fundo costuma obter e a taxa de administração.
Automaticamente, a calculadora fornecerá a rentabilidade bruta e o rendimento
líquido de imposto de renda e taxas para todas as aplicações.

A taxa Selic e a Taxa Referencial (TR), que balizam o rendimento das
aplicações financeiras conservadoras, serão atualizadas por EXAME.com sempre
que houver mudanças. Assim, a calculadora hoje considera a Selic atual de 7,25%
ao ano e TR igual a zero. Para o Tesouro Direto, foi considerada uma corretora
que não cobra taxa de administração, sendo o único custo a taxa de custódia
fixa de 0,3% ao ano.

A calculadora de comparação dos investimentos mais seguros está
disponível no Guia
de Renda Fixa do&nbsp;Canal de Seu Dinheiro e diretamente no link:&nbsp;http://exame.abril.com.br/seu-dinheiro/ferramentas/comparativo-de-rentabilidades/
<!--EndFragment-->