Understand the changes in investments
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YIELD SAVINGS TODAY
Yield corresponds to 0.5% flat per month plus monthly TR, which is currently around 0.04 to 0.05%.
The total income varies according to the anniversary date, because the TR is calculated based on average rates of 30 banks.
These rates are for reference Selic (which is the target of interest set by the government to pay their titles). That is why, for every birthday, there is a different yield.
All income of any amount deposited in savings accounts is free of IR.
DIFFERENCES
Only the income of each month (not the total that is the account) will pay share of tax, similar to what has happened with other investments. The main difference is that in the fixed income funds, the income of any amount applied (be it $ 1 thousand, $ 50 thousand or $ 100 million) suffers impact of IR, from now to 15% or less on gain. In the case of savings, income from sales of up to $ 50 thousand are free.
The rate of RT is 15% to 27.5% (according to the salary range of the saver), following the same rule table for the collection of tax on wages and rents. The bank will apply the rate as the data available to the client. If there is disagreement and the bank to apply higher rate, the saver can make the adjustment in the annual IR.
EFFECTS OF THESE RULES
Only large amounts over $ 100 thousand savings deposited in sufferers of the impact of increased taxation and so even if Selic download more, reaching 8% per annum. In this case, current yield of 0.53% per month may fall to 0.39%
Source: The Day
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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