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Performance in the first half of 2022

Performance in the first half of 2022

with the Decreased returns on various investments, such as stocks, dollars and even treasury law since the beginning of the year, there are those who believe that leaving money in savings can bring a higher return. The return for the savings account from January to June 30, 2022 was 3.58%, according to data from the TC / Economatica platform.

Thus, those who left R$1,000 sitting in their brochure in the first half saw a R$35.90 increase in value. However, this amount does not mean that the money has increased. In fact, when considering inflation, this return is negative. See below how much savings you have lost due to inflation since the beginning of the year.

according to The inflation rate reached 5.49% between January and June The savings yield is 3.59% per year, and the nominal yield is R$1,035.90. However, that amount, discounted for inflation, would be R$981, according to an account by Vinicius Luis Barreto, a financial planner at the Brazilian Association for Financial Planning (Blanejar).

Therefore, those who left money in their savings account have already lost R$19 since the beginning of the year.

Had he left the money under the mattress, the loss would have been greater. The same amount of R$1,000 would be R$945.10.

Savings generate more, but still lose due to inflation

The highest return on savings was a reality since December 2021. That month, it was Selic Adjusted from 7.75% p.a. to 9.25% p.a. – it is currently at 13.25% p.a.

As a general rule, savings income is related to Selic, the basic interest rate of the economy. If Selic is above 8.5%, which is the case today, savings accounts, which earn 0.5% per month, plus TR (which went from zero in December to 0.17%), offer a monthly bonus of 0.67% per month (or 8.04%) every year). When the prime rate is less than 8.5%, the savings account will pay 70% of Selic Plus the TR (which remained at zero from 2017 until the end of 2021).

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This should continue in the coming months. According to Focus Report on July 1, a survey conducted by the Central Bank (BC) with financial institutions, the estimate is that the Selic rate will reach 13.75% by the end of 2022, and increase to 9.75% annually in 2023.

Due to the economic crisis and the progression of inflation, Brazilians have been withdrawing more of their savings, a trend that has been observed since last year. As of March, withdrawals exceeded deposits by 15.3 billion reais, according to central bank data. Last year, withdrawals from savings exceeded deposits by 35.5 billion reais, a completely different situation from 2020, when net deposits amounted to 166.3 billion reais, according to the British Columbia Commission.

Do you have an alternative? Where do I put my money?

This year’s savings result outperformed the true negative performance by 5.99% of Ibovespathe main index of the Sao Paulo Stock Exchange, and b 3. However, it loses bond gains CDI (Certificado de Depósito Interbancário) issued by banks, which had a real gain of 5.36% as of June 29.

According to Bruno Komura, an analyst at Ouro Preto Investimentos, other investments have also lost out due to inflation. Find out the value of 1,000 Brazilian Reals today, excluding inflation.

  • Precedented Treasure, p.the reason Due date January 2023 = 996.22 BRL (Nominal Yield + 4.93%)
  • Selek’s TreasureExpiry date March 2023 = 1,003.81 BRL (Nominal Yield + 5.73%)
  • CDI = 1,002.80 Brazilian Real (Nominal Yield + 5.62%)