Clipping of news on Brazilian Culture, Law and Citizenship
05/24/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
I am a university and apply R$ 40 per month on a title capitalization university, valid for five years. I want to know if it's worth. It was the only way to get this value. (M. S.)
You did not mention what is the return of this title. So, let's imagine that it is based on 0.5% per month, in addition to the Reference Rate (TR). This rate of return is the same as the old rule of savings (valid for deposits made until May 3, 2012). For the moment, the profitability is good, but you need to pay attention to the conditions of the savings bond as early redemptions and form of remuneration. Typically, there is a table of discount regressive for redemptions made before the maturity of the bond, ranging from about 10% of the reserve for redemptions in the first quarter, up 100% in the last month of the application. That is, you will only receive the entire fee is expected to keep the title until maturity. A plus point for capitalization is the commitment to implement every month. This helps develop the discipline to save.
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Source: Extra - online
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This article was translated by an automatic translation system, and was therefore not reviewed by people.