Como calcular o rendimento do CDB Pós-Fixado

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Como calcular o rendimento do CDB Pós-Fixado

por: portal renda

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Comece verificando a porcentagem do CDI que o banco oferece no CDB. Essa taxa varia entre 90% e 120% do CDI.

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Se o CDI está a 10% ao ano e o CDB oferece 100% do CDI, o rendimento bruto será de 10% ao ano.

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Se o CDB paga 110% do CDI, o rendimento bruto sobe para 11% ao ano, aumentando os ganhos do investidor.

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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.

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O Imposto de Renda diminui conforme o tempo da aplicação aumenta, impactando o rendimento final.

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O prefixado tem rendimento fixo, previsível, enquanto o pós-fixado varia com o CDI, sendo mais volátil.

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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).

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