Clipping of news on Brazilian Culture, Law and Citizenship
29/05/2014
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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The Monetary Policy Committee ( Monetary Policy Committee ) of the Central Bank ( BC ) decided on Wednesday , keeping the basic interest rate ( Selic ) at 11 % per year. Thus , the cycle was interrupted High , started in April last year. Already expected by the market , the decision was unanimous and preserved , in part , the proceeds of savings , which has been losing ground for investment funds DI .
These funds buy floating rate based on the interest rate used in interbank lending securities , and are more attractive than saving , even for the small investor , which has among thousand reais and R $ 10 thousand to invest.
With these amounts , you can find funds with a management fee of up to 2 % per year. In this scenario , the returns outweigh the gains of the book , regardless of the time of application.
According to simulations by the National Association of Executives in Finance, Management and Accounting ( Anefac ) , even funds with a management fee of 2.5% per annum yield more than the savings from the investor to keep the money invested for more than one year.
The funds have annual management fees ranging from 0.5 % to 3.5 % , charged by banks to manage funds invested . Moreover , the small saver should pay attention to the impact of income tax ( IR ) on serve this type of investment , which is not exempt from taxation , unlike the passbook .
The decision to keep the Selic was due to the fact that high interest rates do not have controlled inflation levels in which it was intended , beyond the weak pace of economic activity and exchange rates in the house R$ 2.20, without generating inflationary pressures .
Source : Extra - Online
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This article was translated by an automatic translation system, and was therefore not reviewed by people.