Clipping of news on Brazilian Culture, Law and Citizenship
10/07/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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In September , R$ 6.69 billion went into savings - higher value for the month.
In the first nine months of the year , the inflow of funds totaled R$ 48.9 billion.
The inflow of funds in savings follows breaking all records this year , according to figures released on Friday ( 4 ) by the Central Bank .
In September , deposits exceeded withdrawals at R$ 6.69 billion - the highest ever recorded for this month - and , in the first nine months of 2013 , R$ 48.94 billion joined the more traditional method of investment country. With this, it was obtained a new record for this period.
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Capture the savings breaks record for August and YTD
With high interest , ' new ' savings back to yield more than 6.17%
Saving becomes more attractive with the high basic interest rates
The time series of the monetary authority for this indicator began in 1995 . To date , the largest net inflow of funds in savings , for the months of September , had been recorded in 2012 ( R$ 5.95 billion ) .
For the period from January to September , the most ever raised had also been recorded in the past year : R $ 33.18 billion. With this, the inflow of funds in savings grew by 47.4 % in the first nine months of this year.
Deposits , withdrawals and balance
In September , according to the Central Bank , deposits in savings totaled R$ 116.1 billion , while withdrawals of funds totaled R$ 109.4 billion . The volume of interest credited to the accounts of investors totaled R$ 2.7 billion last month .
With the inflow of funds in September this year , along with the interest credited to the account of savers , the total volume of funds invested in savings accounts reached R$ 566 billion at the end of last month . In closing , 2012 , the stock of resources in savings totaled R $ 496 billion , and in August , reached the mark of R $ 557 billion .
Data from the Credit Guarantee Fund ( FGC ) , consolidated by the Central Bank show that the savings account continues to attract millions of people . At the end of 2012 ( latest available data ) , 108.9 million people had deposited amounts in savings .
Savings income
With the rise in basic interest rates , set every 45 days by the Central Bank , to 9 % per year in late August , savings accounts once again registered a yield of 6.17% regardless of the benchmark rate (TR).
In May last year , the government changed the rules of remuneration of savings . The income has to be coupled to the basic interest rates , yielding 70 % of the application , plus the reference rate when the base rate set by the Central Bank are equal to or below 8.5 % per year. This made for applications of May 4, 2012 onward ( new savings) .
Reserve fund
Experts estimate that , regardless of income , savings accounts is still a good investment option for small savers , for people seeking short-term investments or seeking to form a " reserve fund " for emergencies - since there is no incidence Income Tax .
Investment funds , or even the Treasury Direct program of government bond buying Internet public , no charge of IR and , in most cases , the administration fee . Investment funds and Treasury Direct , the IR levied at a rate regressive , ie the longer the funds remain invested , the lower the value of the rate levied on redemption .
Source : G1
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This article was translated by an automatic translation system, and was therefore not reviewed by people.