Selic a 15%: qual investimento paga mais com R$ 1.000 hoje?

A taxa Selic está em 15% ao ano há cinco reuniões seguidas. Mas, no que é possível investir quando o juro está tão elevado?

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Em geral, os juros altos favorecem a renda fixa, porque investimentos conservadores acabam pagando mais.

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No entanto, com 15% ao ano, a poupança entregaria o menor retorno, com cerca de R$ 6,70 por mês.

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No caso de títulos do Tesouro pré-fixado, um papel com vencimento em 2031 renderia R$ 6,93 mensais, enquanto o de 2027 chegaria a R$ 7,04.

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Outros produtos bancários, como CDB pré-fixado a 12% ao ano, gerariam aproximadamente R$ 7,35 por mês – e a versão a 13,35% chegaria a R$ 8,14.

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Os maiores ganhos com a Selic a 15% aparecem em aplicações atreladas ao CDI. Isso porque um CDB que paga 120% do índice renderia cerca de R$ 10,89 mensais.

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Já as LCIs e LCAs renderiam R$ 10,02 e, por um CDB de 110% do CDI, retorno estimado em R$ 9,99 por mês.

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Segundo o BC, a estimativa para a Taxa Selic é de 12,25% para o final de 2026. Já para 2027, espera-se que caia para 10,50%. Para 2028, as expectativas seguem estáveis, projetando que a Selic ficará em 10% ao final do ano.

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Veja este e outros webstories em: TIMESBRASIL.COM.BR

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