At a time when the Basic Interest Rate (Selic) went up and reached 14.25% per year, CDBs (Bank Deposit Certificates) remain upstairs in the preference of investors.
Quantum financial survey shows that post-fixed CDBs issued in the first half of March pay between 90% and 108% of the CDI (Interbancary Deposit Certificate), depending on the deadline.
In the case of CDBs paying inflation plus a fee, the return offered by the papers issued in the period is between 7.10% and 8.61%, while in the case of pre-fixed the yield ranges from 12% to 15.10%.
But what is the liquid gain of each of the different types of index, on average?
Read more: Old age with luxury: R $ 239 thousand in income+ allow an income of R $ 30 thousand for 20 years
Simulations made by Infomoney They show that, within the longer period of three years, investing $ 50,000 in a three -year CDB emitted earlier this month gives a net return of about 40%.
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For a role linked to the IPCA, the gain would be R $ 19.9 thousand, a yield of 39.8%. If the index is in % of the CDI, the gain is $ 20.8 thousand after the payment of taxes, or 41.7 % more. In the case of a prefixed, the gain would be $ 21,000, or 42.1% of return.
Check below how much R $ 50,000 applied to CDBs from different indexers yield for different deadlines, and check out which considerations the investor should make before investing in each type of paper. Titles issued between March 3 and 17 were considered.
Also read: LCAS/LCIS X CDBS: How much does each title be with application of $ 10,000?
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CDBs linked to IPCA
| Indexer | Deadline (in months) | Average rate | Liquid gain* |
| IPCA+ | 12 | 8.13% | R $ 5,898.63 |
| IPCA+ | 24 | 7.87% | R $ 12,670.13 |
| IPCA+ | 36 | 7.58% | R $ 19,901.07 |
*The calculation considers a 5.65%IPCA, which is the current projection of the Focus Bulletin for this year.
Source: Quantum Finance and InfoMoney calculator
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What should I consider?
IPCA -linked CDBs pay a fee plus inflation of the period, and are interesting for the protection they offer against price variation, as they guarantee actual profitability.
They are ideal for those who believe that inflation will continue high and seek protection against price variation.
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Prefixed CDBs
| Indexer | Deadline (in months) | Average rate | Liquid gain* |
| Prefixed | 12 | 14.51% | R $ 6,010.78 |
| Prefixed | 24 | 14.23% | R $ 12,926.82 |
| Prefixed | 36 | 14.38% | R $ 21,097.38 |
*The calculation considers a 5.65%IPCA, which is the current projection of the Focus Bulletin for this year.
Source: Quantum Finance and InfoMoney calculator
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What should I consider?
Prefixed CDBs have interest defined at the time the investor makes the application, and the rate does not change until the due date. They are therefore indicated for those who want to know exactly how much they will receive in the future.
It is necessary to consider, however, that at times such as the current, when the Central Bank is in the midst of a Selic high cycle, the tendency is for new prefixed CDBs to be issued at higher rates in the future. In general, it is a more recommended indexer in times of falling interest rates.
Postfixed CDBs
| Indexer | Deadline (in months) | Average rate | Liquid gain* |
| % of the CDI | 12 | 99.51% | R $ 5,832.88 |
| % of the CDI | 24 | 99.29% | R $ 12,752.18 |
| % of the CDI | 36 | 100.64% | R $ 20,865.07 |
*The calculation considers a 5.65%IPCA, which is the current projection of the Focus Bulletin for this year.
Source: Quantum Finance and InfoMoney calculator
What should I consider?
Post-fixed CDBs deliver the CDI (Interbancal Deposit Certificate) rate until paper maturity (ie, accompanying interest variation). They are suitable roles for investors who believe the Central Bank will continue to rise interest.
