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THE investment in CDB is one of the safest and most popular fixed income securities on the market.
In 2021, according to data from B3, Brazil reached the mark of 10.1 million individuals investing in fixed income.
Therefore, the CDB was the most sought after and beloved investment among Brazilians, making up the portfolios of more than 7.2 million investors.
But what makes it such a sought-after investment? How does it work? What's its profitability? Is it worth investing in a CDB?
You already know where to find the answers to all these questions: in this text!
So, read on to find out more!
What is CBD?
Bank Deposit Certificates are debt securities issued by banks or financial institutions.
When an investor invests their money in a CDB, in short, they are lending money to the bank with the promise of redeeming it plus interest.
Banks issue these bonds to raise funds, the money is used to lend money to customers, finance projects, pay off debts, etc.
How does a CDB investment work?
When it comes to a fixed-income investment, with a CDB the investor knows at the time of purchase how the return will be calculated.
Due to its predictability, it becomes a safe investment; less risky. Therefore, it caters to different investor profiles and is widely used to diversify portfolios.
Most CDBs have a maturity date and yield linked to the CDI (Interbank Deposit Certificate) rate.
The DI rate follows the Selic rate, the economy's basic interest rate.
Some features of investment in CDB They usually vary depending on each institution, for example, the grace period is defined by the bank, which is the bank that decides the minimum period for redeeming the investment.
After the grace period, the invested money can be easily withdrawn at any time by the investor.
THE application in CDB may have daily liquidity or liquidity at maturity.
With daily liquidity, redemption can be made any day, without loss of contracted profitability.
In the case of liquidity at maturity, the investment can only be redeemed at maturity.
If you plan to invest in a CDB to build your emergency fund, it's best to choose a product with daily liquidity, as you can withdraw it when an emergency arises.
For other types of goals, where you are certain that you will not need to withdraw the money before the deadline, it is recommended to invest in a product with liquidity at maturity.
How does CDB profitability work?
This investment is classified according to the type of profitability, which are: prefixed, post-fixed and hybrid.
Each option defines how much your money will yield until the maturity date, so it is very important to know the difference between each one to choose the best alternative.
#1. Post-fixed securities
In this option, the rate of return is linked to some economic index, for example, CDI, IPCA and Selic.
Although it is a very common CDB profitability model, it is a little more unstable, as indexes tend to vary over time.
In short, the issuer of the security pays a percentage of the reference index, a very common example in the market is investments in CDB with a yield of 100% of the CDI.
When investing in post-fixed securities, you have a forecast of how much you will receive when the investment matures.
However, it is also subject to fluctuations in the index, if it rises, your gains will be greater, the opposite is also observed.
#2. Prefixed securities
This option is predictable, in other words, the investor knows how much the money will appreciate until the maturity date.
Prefixed bonds are stable, meaning they are independent of market conditions.
This model is often used by more conservative investors due to its prediction and security.
However, they also serve as great alternatives for diversifying more ambitious investment portfolios.
#3. Hybrids
Hybrid securities are composed of a mix of the two rate models presented above, that is, part of the profitability will be governed by the fixed rate, while the other by the variable rate.
It is a modality that is not widely offered and is also not very popular, as it is a little more complicated.
What advantages does investing in CDB offer?
The benefits that this investment offers may vary depending on the product purchased, however, in short, the main advantage it provides is the FGC protection.
Another advantage that does not go unnoticed is the ease of hiring a investment in CDB.
To make your first investment in a CDB, you don't need to be an investment expert or have tons of money.
In fact, there are many products on the market that allow you to start investing from as little as R$$100. Typically, products with low investment costs are offered through digital accounts.
At brokerages, the minimum investment amounts tend to be higher, with an average starting at R$1 thousand.
See below some more advantages of this fixed income investment model:
| Profitability | Currently it is possible to find many products with yields above 100% of the CDI |
| Diversification | Great ally to diversify and increase portfolio returns |
| Liquidity | In the market we find many products with daily liquidity |
Since we've talked about the main advantages of this title, it's only fair to mention some disadvantages as well, right?
The main disadvantages involving the CDB are taxes, the main one being Income Tax which can vary between 15% and 22.5%.
Another tax that may apply to CDBs is the IOF (Tax on Financial Transactions). It is charged when the investor withdraws the investment before the 30-day deadline.
Which digital accounts offer CDB investment?
As we mentioned previously, with digital accounts it is possible to invest in CDBs for very little and also very easily.
See below which digital accounts offer this product to their customers.
1. Next Bank
Next offers CBD options for those looking to diversify their portfolio, build an emergency fund, or make their first investment.
With the CDB Fidelity the yield can reach 103% of the CDI, however, the minimum investment is R$500.00.
Node CDB Next, The minimum investment is lower, just R$$100.00. It also yields daily and is guaranteed by the Credit Guarantee Fund.
To start investing, you need to be a Next customer. So, download the app and open your account for free.
2. Investment in Nubank CDB
Nubank digital account customers can invest in fixed-rate CDBs with a pre-arranged rate.
There's also the option of post-fixed CDBs tied to the CDI. Both can be purchased through the Nubank app, and the minimum investment is R$1,400.00.
These products can also be easily purchased through the Nubank digital account app.
If you are not yet a customer, open your account and make your first contribution.
3. CDB PicPay
PicPay offers a investment in CDB which yields 102% of the CDI and without needing to contract a specific product: just leave your money in the rendeiro account.
In addition to yielding more than savings, your money has FGC protection and daily liquidity.
It's an interesting alternative for the short term, however, ideally you should purchase a product on the investment platform, so you can let it earn interest for longer.
By leaving the balance simply earning interest in the account, it can be more difficult to keep it there without using it to cover an expense.
Learn more about the product on the blog PicPay.
4. Investment in BMG CDB
Banco BMG offers a wide range of CDBs. There are options with different maturity dates, yields, and minimum investment requirements.
Among the alternatives, we find the BMG DI CDB. You can invest from R$$100.00, with a maximum term of 5 years.
It yields 111% of the CDI, and the income tax rate is 17.50%. Furthermore, it is guaranteed by the FGC (Foundation of Guarantee Fund), and its liquidity occurs at maturity.
Another investment model is the BMG Superpop CDB. You can invest from R$1,000 to R$4,000, and it has a maturity of 3 years.
The yield is linked to 110% of the CDI, in addition to having FGC protection, it has daily liquidity and an IR rate of 15,00%.
To learn more applications in CDB from Banco BMG, access your website.
5. CDB PagBank
With PagBank, you can start investing in CDBs with just R$$1. Obviously, you won't earn much return on such a low amount.
However, it is the first step to becoming an investor and investing will become, little by little you can increase your monthly contributions.
There are three different application options and you can see them in the table below:
Open a PagBank account and start investing today!
Conclusion
THE investment in CDB It's one of the best fixed-income alternatives on the market. Whether you're looking to diversify your portfolio, build an emergency fund, or make your first investment.
Besides being safe, it's versatile and diversified. Learn more about this investment model and diversify your portfolio.
