Which yields more in 2020 with the new Selic rate: NuConta or Savings?

which yields more in 2020 with the new selic rate nuconta or poupança

NuConta or Savings? Which yields more in 2020 with the new Selic rate, savings are often used to create emergency reserves, but what many don't know is the fact that they are losing money.

The inflation forecast for 2020 is 3.25% and with the Selic rate at 4.25%, savings have a drastic drop in their income, being only 2.97% per year.

Esse rendimento fica abaixo da inflação, ou seja mesmo que você ganhe dinheiro o mesmo estará desvalorizado pois os rendimentos foram abaixo do valor da inflação.

What is the best yield for 2020?

  • Savings: 2,98% per year
  • NuConta: 3.32% per year
  • Treasury Selic: 3.18% per year

As we can see, the only viable return is that of NuConta, which is slightly above inflation, the Selic treasury and savings are slightly below and not interesting for emergency reserves.

Making an emergency reserve in an investment that generates more than inflation is very important to prevent the money saved from depreciating.

Now with this data you know where to put your emergency reserve in the current scenario, don't lose money.

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