One subject that has been on the rise lately is financial education. People started to become more informed, aiming to make smart use of their money. To do investments has become something common in Brazilians' lives, and the more your money yields, the better it will be for you. Therefore, it is important to remember that in many applications, the investor chooses to take the risk, being able to make a profit or a loss, hence the need to study the subject.
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Speaking of high amounts, in the millions, it was recently revealed how much it earns per month, and after 5 years, the value of one million reais in the digital bank Nubank. In addition to this information, a comparison was also made between the digital bank and savings.
Currently, it is necessary for the money to remain in the account for 30 days so that there is some type of income, this being the case with new deposits. That is, with this, it is possible to perceive that the bank's profitability is no longer done daily. If you think about depositing your money and not touching it, through withdrawals and transactions, it will yield 100% of the CDI as usual. But for people looking for a daily income, perhaps the service may not be very pleasing initially.
After the digital bank announced this change in account profitability, many people were curious to compare the service provided by Nubank and the savings account, which remunerates its investors only on the anniversary of the application, which is carried out every months.
Placed side by side, see below how the profitability is between the comparisons:
- Saving income: currently has a yield of approximately 70% of the CDI, compared to the percentage reached by the basic interest rate, the Selic, at 13.75% per year.
- Income from Nubank: has a total return of 100% of the CDI for the amounts that are deposited in the account and remain there for more than 30 days.
That is, it is possible to notice that the income made by Nubank is still much more advantageous and expressive, if compared to the savings account. Therefore, it can be said that its income is, at the moment, a little outdated and not as advantageous as it used to be, before the emergence of digital banks.
Now, the final curiosity. Nubank itself was the one who brought the application numbers of 1 million reais, and its monthly income is BRL 8,705.70. As for an income after 5 years, the value will be R$ 761,632.91, as long as the money is not changed. Meanwhile, in savings, in the same period, the value is around R$ 364 thousand, a little less than half of what the roxinho earns.
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