How much does R$10 million yield in savings and direct treasury?Investing a significant amount, such as R$ 10 million, requires careful analysis in the financial market.
Two popular alternatives among investors are savings accounts and Treasury Direct.
On the other hand, Tesouro Direto offers more profitable alternatives for those seeking higher returns.
In this article, we will explore how much this amount would yield monthly in each of these modalities, using direct and accessible language.
Savings is certainly one of the most traditional forms of investment in Brazil, known for its simplicity and liquidity.
However, currently, with the Selic rate above 8.5% per year, savings offer a return of 0.5% per month plus the Reference Rate (TR), which has been close to zero.
Therefore, the monthly income is approximately 0.5%.
Applying R$ 10 million to savings, the monthly income calculation would be:
Thus, you would receive approximately R$1,000 to R$4,000 per month. It's important to note that savings income is exempt from income tax.
THE Direct Treasury is a platform that allows the purchase of federal government bonds, being an attractive option for those seeking security and profitability.
There are different types of bonds available, each with specific characteristics. Let's look at two of the most common:
THE Selic Treasury It is a post-fixed security that follows the Selic rate, currently at 13.75% per year.
Considering the Income Tax rate of 22.5% for investments of up to 180 days, the monthly net income would be:
Therefore, the Treasury Selic would provide a net monthly income of approximately R$ 88,906.25.
THE IPCA+ Treasury is a security that offers a return composed of inflation (measured by the IPCA) plus a fixed interest rate.
Assuming a fixed rate of 6% per year and inflation of 5% per year, we would have an annual gross income of 11%.
Thus, the IPCA+ Treasury would generate a net monthly income of approximately R$ 71,041.67.
When comparing the two options, we observe that:
Certainly, the Treasury Selic offers the highest net monthly return, followed by the Treasury IPCA+ and, lastly, savings.
Although savings accounts offer income tax exemption, their returns are lower than those of Treasury Direct bonds.
To make managing your investments easier, there are several apps available. Here are some recommendations:
In conclusion, savings offers the lowest return among the options, despite being simple and exempt from income tax.
Therefore, the Treasury Selic offers better returns and security, while the Treasury IPCA+ protects against inflation, offering advantages in the long term.
Therefore investors Those who want to live off their income should consider more profitable alternatives to maximize their earnings. The choice depends on their profile and financial goals.
Direct Treasury
Rico Investments
XP Investments
Easynvest
BTG Pactual Digital
Finally, applications like TTreasury Direct, Rico, XP and Easynvest facilitate the management and monitoring of investments.