Como calcular o rendimento do CDB Pós-Fixado

[{"selector":"#anim-524012c4-03e8-4a1f-b808-b458908bc990","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-714bb875-a57d-4acb-a53c-e9c8c3b58679","keyframes":{"transform":["translate3d(122.55891%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-71af1444-846d-4403-9b5b-1b17a9003183","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dcfd8783-1632-4e28-bc40-cba0388dc962","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9a4061f2-e207-499c-ab9a-d86769e0cee3","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-6d6bc21b-0e20-47df-9ce9-52f8aa8be0bd","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-04c3849a-4a58-4ef7-a528-804a49db3cbb","keyframes":{"transform":["translate3d(-208.3333%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Comece verificando a porcentagem do CDI que o banco oferece no CDB. Essa taxa varia entre 90% e 120% do CDI. Seta Foto: Canva

[{"selector":"#anim-ca2fdf7f-5813-4214-ae09-e0dfe4523d6e","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ae001406-4d50-4194-a434-2135389b4351","keyframes":{"transform":["translate3d(122.55891%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d24e2558-ed19-403e-9916-e83c3adca3d0","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4c7ca90a-8094-4cf0-b4b3-7491132f5e14","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b06752a4-8570-436d-a46e-b7b4d4754bbe","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-c8944a1d-3c51-44fd-a4d8-2eeb4c816bed","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-40643da7-1618-44e0-94ba-60f7eec9ed52","keyframes":{"transform":["translate3d(-208.3333%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Se o CDI está a 10% ao ano e o CDB oferece 100% do CDI, o rendimento bruto será de 10% ao ano. Seta Foto: Canva

[{"selector":"#anim-40912393-3289-45e2-acf7-1b2a8d31b4ac","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ac85d605-a76a-4dca-a9ae-5de24301a18d","keyframes":{"transform":["translate3d(121.21212%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a2713151-0d77-4688-8cf3-a37561720faa","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-81a581b3-f4ec-4927-bfb0-4f4bc4df1253","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a35f9d57-9ded-4e24-be5e-711a59a02687","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-12298a28-589d-4f71-b27f-e48341588002","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-314fa0e5-cdc7-476a-8f66-b614a92a8a8f","keyframes":{"transform":["translate3d(-208.3333%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Se o CDB paga 110% do CDI, o rendimento bruto sobe para 11% ao ano, aumentando os ganhos do investidor. Seta Foto: Canva

[{"selector":"#anim-abc52652-f00b-48c9-9d69-040539a48090","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c25c180f-8a23-4d11-89a7-7ac8b157961d","keyframes":{"transform":["translate3d(121.21212%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c5964238-057f-4b2a-b9b7-1b53bcb1f629","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-46f392e2-1019-487f-8b0d-2241e8150137","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-23004973-d3c1-4add-b192-dd9293c7d269","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-52b98643-65a5-418a-a355-32160472cc7f","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c8c9061a-2b71-4af7-bb87-63818328b1b9","keyframes":{"transform":["translate3d(-208.3333%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] O rendimento bruto não é o valor final. O IR, que varia de 22,5% a 15%, precisa ser descontado para calcular o rendimento líquido. Seta Foto: Canva

[{"selector":"#anim-235713bd-8653-4547-97a0-5aa83d35b599","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-35bddff3-a54a-406a-b336-7d0f1a36030c","keyframes":{"transform":["translate3d(121.88552%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1c47df09-02b4-4398-be47-139b2ddb9362","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-66729c80-673b-4c9a-815c-1b0b659bc14f","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fa914098-34f7-4079-b002-d45de4ee6a99","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-9053c70a-af85-4f84-955d-0a18528535bc","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-685ee20c-6ed3-4b4c-9f6b-f9a6782c2bb5","keyframes":{"transform":["translate3d(-208.3333%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] O Imposto de Renda diminui conforme o tempo da aplicação aumenta, impactando o rendimento final. Seta Foto: Canva

[{"selector":"#anim-11362fb0-232f-46b2-9362-3c8244b89f24","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-58548531-405f-446f-8530-8c6fcc35d33a","keyframes":{"transform":["translate3d(122.55891%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f73741e5-33f0-4dc0-94c5-70a59b2f2e44","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-775380e3-71b2-4fcb-93d5-f2ee35aa54fe","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d1d5534b-4ceb-43e4-b80c-e3f74dbb1b81","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-d7021e80-edfc-4e01-85ee-e9b41c28fb39","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-81b88a48-b6de-4af7-8e3a-bded0b8de894","keyframes":{"transform":["translate3d(-208.3333%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] O prefixado tem rendimento fixo, previsível, enquanto o pós-fixado varia com o CDI, sendo mais volátil. Seta Foto: Canva

[{"selector":"#anim-48eb7218-b742-4f5f-ac99-e733bdbefc91","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4e9e0054-f9ea-406e-a909-12fbdaba113f","keyframes":{"transform":["translate3d(121.21212%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-807662fd-b56f-4fe4-882b-2db4a7a8e233","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f8dc5ec0-3a6e-4df8-9625-9c238e68e1c0","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-061fa85b-288e-4e52-b9bb-9a0337f93884","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-2bb9198a-c0f7-4e37-8f9c-8235dcb639ad","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7dab9654-0c37-48d1-b04a-a2cfa024084a","keyframes":{"transform":["translate3d(-208.3333%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] O perfil do investidor e a expectativa sobre a taxa de juros determinam a escolha entre CDB prefixado (mais seguro) ou pós-fixado (potencial de maior retorno). Seta Foto: Canva

[{"selector":"#anim-6cc0579f-4942-4f6d-bd31-8c80b63b5850","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e8e15799-01ec-4ba5-9ac7-d7ee2d3de2f8","keyframes":{"transform":["translate3d(0px, -1557.48909%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-452cbdcb-9574-487a-909d-a8d60a9f05c2","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1efb9c52-fa03-49bc-adc3-34386cbd3394","keyframes":{"transform":["translate3d(0px, 1655.55596%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] LEIA MAIS EM PORTALRENDA.COM.BR Seta