{"id":45883,"date":"2021-12-14T12:00:00","date_gmt":"2021-12-14T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=45883"},"modified":"2021-12-14T11:51:17","modified_gmt":"2021-12-14T11:51:17","slug":"quanto-rende-200-mil-na-poupanca","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/cs\/quanto-rende-200-mil-na-poupanca\/","title":{"rendered":"Kolik vyd\u011bl\u00e1 200 tis\u00edc na Spo\u0159en\u00ed?"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Saiba quanto rende seu dinheiro na Poupan\u00e7a<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Quer investir na Poupan\u00e7a? Veja quanto rende neste artigo. Fonte: Pexels.\"  id=\"45884\" src=\"https:\/\/cdn.adtechpanda.com\/9cad99c6-5b9f-4725-855d-dae3cc45015c\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Quer investir na Poupan\u00e7a? Veja quanto rende neste artigo. Fonte: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Quando falamos em economizar dinheiro, muita gente pensa na Poupan\u00e7a. Por\u00e9m, com a facilidade de investir, atualmente essa pode n\u00e3o ser a melhor forma. Entretanto, a Poupan\u00e7a n\u00e3o deixa de ser uma forma segura de economizar e investir dinheiro. No fim das contas, ela \u00e9 a modalidade de investimento mais antiga do Brasil, e por isso tem muita credibilidade e seguran\u00e7a. N\u00e3o \u00e9 por acaso que mais de 70% dos brasileiros utilizam essa modalidade. Portanto, quer saber quanto rende 200 mil na Poupan\u00e7a? Ent\u00e3o, continue a leitura!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Como funciona a Poupan\u00e7a?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para obter o rendimento na Poupan\u00e7a, \u00e9 necess\u00e1rio fazer um dep\u00f3sito e mant\u00ea-lo por pelo menos 30 dias. Os juros s\u00f3 rendem quando esses 30 dias s\u00e3o completados. A conta-poupan\u00e7a existe em qualquer banco e \u00e9 muito f\u00e1cil de ser aberta. Principalmente se voc\u00ea j\u00e1 for correntista.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Caso voc\u00ea ainda n\u00e3o seja correntista, abrir uma conta \u00e9 muito simples. \u00c9 s\u00f3 comparecer a qualquer banco com documento com foto, CPF e comprovante de resid\u00eancia. Ter a conta-poupan\u00e7a n\u00e3o requer que o cliente esteja positivado no banco, por\u00e9m alguns bancos pedem um dep\u00f3sito m\u00ednimo no in\u00edcio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, essa conta ainda oferece um cart\u00e3o de d\u00e9bito para realizar movimenta\u00e7\u00f5es. Em algumas institui\u00e7\u00f5es, ainda \u00e9 poss\u00edvel fazer movimenta\u00e7\u00f5es direto pelo aplicativo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Outra garantia da Poupan\u00e7a \u00e9 o Fundo Garantidor de Cr\u00e9ditos, o FGC. Esse fundo garante que em caso de quebra do banco, todos aqueles que tiverem dinheiro depositado podem receber at\u00e9 R$250 mil de volta.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas qual \u00e9 o rendimento da poupan\u00e7a?\u00a0Confira essa informa\u00e7\u00e3o, a seguir.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z2nhKSo\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/cs\/rendimento-poupanca\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Jak funguje p\u0159\u00edjem ze spo\u0159en\u00ed 2021\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/1ad9c13a-4536-4651-a835-ebf33766dbae\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/cs\/rendimento-poupanca\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Jak funguje p\u0159\u00edjem ze spo\u0159en\u00ed 2021\">\n            Jak funguje p\u0159\u00edjem ze spo\u0159en\u00ed 2021        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Chcete v\u011bd\u011bt, jak funguje p\u0159\u00edjem ze spo\u0159en\u00ed? Pod\u00edvejte se na na\u0161e tipy a objevte nejlep\u0161\u00ed zp\u016fsob, jak tuto aplikaci pou\u017e\u00edvat!        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/cs\/rendimento-poupanca\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            \u010cti d\u00e1l            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/cs\/rendimento-poupanca\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/1ad9c13a-4536-4651-a835-ebf33766dbae\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Jak funguje p\u0159\u00edjem ze spo\u0159en\u00ed 2021              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/cs\/rendimento-poupanca\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    \u010cti d\u00e1l                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Z\u016fstanete na stejn\u00e9m webu              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Qual \u00e9 o rendimento da Poupan\u00e7a hoje?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"A poupan\u00e7a rende 70% da taxa Selic mais a Taxa Referencial. Fonte: Pexels.\"  id=\"45885\" src=\"https:\/\/cdn.adtechpanda.com\/7187d066-a965-4dc7-852b-81f846dc1ad0\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >A poupan\u00e7a rende 70% da taxa Selic mais a Taxa Referencial. Fonte: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A Poupan\u00e7a \u00e9 uma modalidade de investimento fixa. Ou seja, seu valor de rendimento n\u00e3o muda. Isso pode ser uma vantagem, ou n\u00e3o. Depende muito dos seus objetivos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Atualmente, a Poupan\u00e7a rende 70% da taxa Selic, essa pode variar.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O rendimento \u00e9 calculado em conjunto com a Taxa Referencial. A Selic est\u00e1 em alta no momento. Por isso vemos muitos bancos anunciando que rendem at\u00e9 mais do que essa taxa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E essa se tornou uma alternativa segura a Poupan\u00e7a: investir em bancos que rendem mais de 100% da Selic.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Contudo, a Taxa Referencial est\u00e1 zerada. E tamb\u00e9m \u00e9 importante ressaltar que por mais que a Selic suba, a caderneta de Poupan\u00e7a n\u00e3o rende mais do que 6%.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Afinal, quanto rende 200 mil na poupan\u00e7a? Veja a resposta, a seguir.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Quando rende 200 mil na Poupan\u00e7a 2021?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Apesar de seguro, a poupan\u00e7a nem sempre \u00e9 o melhor investimento. Fonte: Pexels.\"  id=\"45896\" src=\"https:\/\/cdn.adtechpanda.com\/a1daca48-6e1d-4dd1-b622-e18f0ab39716\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Apesar de seguro, a poupan\u00e7a nem sempre \u00e9 o melhor investimento. Fonte: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para saber quanto rende 200 mil na Poupan\u00e7a em 2021, \u00e9 necess\u00e1rio analisar as taxas e a isen\u00e7\u00e3o do imposto de renda. Vamos supor que o valor gire em torno de 5%. Para sabermos quanto vai render, \u00e9 s\u00f3 multiplicar o valor a ser aplicado pela porcentagem. Ou seja, com 200 mil aplicados, voc\u00ea pode obter um rendimento de at\u00e9 10 mil reais! Ou at\u00e9 mais, pois aqui fizemos apenas uma suposi\u00e7\u00e3o com as taxas.\u00a0<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Quais outros tipos de investimento?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por incr\u00edvel que pare\u00e7a para muitos, a poupan\u00e7a tem a pior rentabilidade de mercado. Principalmente por possuir uma taxa fixa, que n\u00e3o muda e nem passa de 6%. Apesar de ser um rendimento seguro, nem sempre pode dar muitos frutos. Por isso, conhe\u00e7a mais alguns tipos de investimento:<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>CBD<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Essa forma de investimento \u00e9 pelo \u201cCertificado de Dep\u00f3sito Banc\u00e1rio\u201d. S\u00e3o como um empr\u00e9stimo que a institui\u00e7\u00e3o financeira faz com seu cliente, em troca de remunera\u00e7\u00e3o. Um benef\u00edcio em rela\u00e7\u00e3o a Poupan\u00e7a \u00e9 que o CDB rende diariamente e n\u00e3o mensalmente.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O CDB ou CDI tamb\u00e9m s\u00e3o uma forma de investimento segura. Isso porque tamb\u00e9m contam com o Fundo de Garantia que mencionamos anteriormente, o FGC. E ainda tem bancos que oferecem rendimento de 100% CDI, o Certificado de Dep\u00f3sito Interfinanceiro.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>LCI e LCA<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Essa modalidade \u00e9 muito similar ao CDB. A \u00fanica diferen\u00e7a \u00e9 que ela est\u00e1 relacionada a investimentos imobili\u00e1rios (LCI) ou do agroneg\u00f3cio (LCA). Por isso, o banco que realiza o LCI e LCA devem ter empreendimentos nessa \u00e1rea.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim como a Poupan\u00e7a, essa modalidade de investimento \u00e9 livre do Imposto de Renda para pessoas f\u00edsicas. Portanto, um grande atrativo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Agora que voc\u00ea conheceu mais duas formas de investimento, chegou a hora de decidir qual \u00e9 a melhor para voc\u00ea. Ent\u00e3o, se planeje e invista! Assim como aproveite para ler nosso conte\u00fado recomendado.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1XGcB9\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/cs\/vale-a-pena-abrir-uma-poupanca\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Vyplat\u00ed se zalo\u017eit si spo\u0159ic\u00ed \u00fa\u010det?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/a12b98c5-5ec3-4007-a082-a3292f942c74\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/cs\/vale-a-pena-abrir-uma-poupanca\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Vyplat\u00ed se zalo\u017eit si spo\u0159ic\u00ed \u00fa\u010det?\">\n            Vyplat\u00ed se zalo\u017eit si spo\u0159ic\u00ed \u00fa\u010det?        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Abrir uma poupan\u00e7a pode trazer seguran\u00e7a, mas j\u00e1 n\u00e3o \u00e9 mais t\u00e3o vantajoso em termos de rendimento. Ent\u00e3o, vale a pena? Confira sobre isso aqui!        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/cs\/vale-a-pena-abrir-uma-poupanca\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            \u010cti d\u00e1l            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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