{"id":1300,"date":"2024-07-02T07:00:00","date_gmt":"2024-07-02T10:00:00","guid":{"rendered":"https:\/\/oppens.com.br\/blog\/?p=1300"},"modified":"2024-07-01T14:14:31","modified_gmt":"2024-07-01T17:14:31","slug":"por-que-voce-pode-estar-perdendo-dinheiro-quando-investe-em-poupanca","status":"publish","type":"post","link":"https:\/\/oppens.com.br\/blog\/educacao-financeira\/por-que-voce-pode-estar-perdendo-dinheiro-quando-investe-em-poupanca\/","title":{"rendered":"Por que voc\u00ea pode estar perdendo dinheiro quando investe em poupan\u00e7a?"},"content":{"rendered":"\n<p>De acordo com dados divulgados na S\u00e9tima edi\u00e7\u00e3o do RX do Investidor Brasileiro, produzido pela ANBIMA, 25% dos brasileiros aplicam seu dinheiro na poupan\u00e7a. Se analisarmos esse n\u00famero apenas dentre os brasileiros que fazem algum tipo de investimento, 68% deles aplicam na caderneta.<\/p>\n\n\n\n<p>O fator da seguran\u00e7a \u00e9 bastante apelativo para grande parte da popula\u00e7\u00e3o. \u00c9 muito difundida a ideia de que a poupan\u00e7a \u00e9 um investimento seguro. O que muitas pessoas n\u00e3o sabem \u00e9 que a garantia do Fundo Garantidor de Cr\u00e9ditos &#8211; FGC, se limita a 250 mil reais da aplica\u00e7\u00e3o por CPF e institui\u00e7\u00e3o financeira. Portanto, a depender do valor aplicado, voc\u00ea pode n\u00e3o estar 100% protegido.<\/p>\n\n\n\n<p>J\u00e1 \u00e9 sabido que a poupan\u00e7a \u00e9 um investimento de renda fixa com baixa rentabilidade, mas quanto ela rende? Se a taxa Selic for menor ou igual a 8,5% a.a, a poupan\u00e7a rende 70% da taxa Selic mais taxa referencial.<\/p>\n\n\n\n<p>No entanto, quando a Selic estiver acima de 8,5% a.a, a rentabilidade muda e passa para 0,5% ao m\u00eas mais a taxa referencial (TR), que est\u00e1 em 0,98% no acumulado dos \u00faltimos 12 meses.<\/p>\n\n\n\n<p>O fato de a poupan\u00e7a ser um investimento isento de imposto n\u00e3o traz grande vantagem, uma vez que ela fica bem atr\u00e1s de outros investimentos mesmo se considerarmos a taxa\u00e7\u00e3o de imposto sobre eles.<\/p>\n\n\n\n<p>Resumindo, a rentabilidade da poupan\u00e7a \u00e9 baix\u00edssima se comparada a diversas outras aplica\u00e7\u00f5es de renda fixa, dentre elas o P2P Lending na Oppens, que rende mais de 150% da taxa Selic.<\/p>\n\n\n\n<p>Antes de fazer seu investimento, busque diversas fontes de informa\u00e7\u00e3o e ponha na balan\u00e7a seus objetivos. Apesar de muito difundida, existem op\u00e7\u00f5es mais interessantes do que a poupan\u00e7a.<\/p>\n\n\n\n<p>Muitas vezes a rentabilidade da poupan\u00e7a n\u00e3o consegue sequer superar a taxa &nbsp;de infla\u00e7\u00e3o. Ser\u00e1 que voc\u00ea n\u00e3o est\u00e1 perdendo dinheiro?<\/p>\n\n\n\n<p>Quer saber quanto rende seu investimento na Oppens?<\/p>\n\n\n\n<p>Acesse&nbsp;<a href=\"http:\/\/oppens.com.br\/\" target=\"_blank\" rel=\"noreferrer noopener\">oppens.com.br<\/a>&nbsp;e fa\u00e7a uma simula\u00e7\u00e3o gratuita.<\/p>\n\n\n\n<p>A plataforma de Oppens \u00e9 simples e Segura.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>De acordo com dados divulgados na S\u00e9tima edi\u00e7\u00e3o do RX do Investidor Brasileiro, produzido pela ANBIMA, 25% dos brasileiros aplicam [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1301,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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