Last Wednesday the 26th, the Monetary Policy Committee (Copom) of the Central Bank (BC) decided to maintain the base rate, Selic. Thus, it has been maintained at 13.75% per annum, the same percentage as the previous one. With interest at this level, what changes to a return Nubank Boxes? Find out more below!
Read more: Nubank allows issuance of up to 5,000 BRL on credit card
What are Nubank funds?
Boxes nubank It acts as a tool for the customer to save money in the digital bank in an organized and personalized way. The operation takes place without complications, directly in the Nu.
What is the return?
Each chest created gives the user 100% of the CDI or more in the long run. Overall, this guarantees a return of 13.65% per annum, which is close to Selic’s rate, currently at 13.75% per annum.
In other words, achieving 100% of the CDI means that a particular investment will have the same return as the CDI during the period in which it is applied. Check the following example:
- If someone puts R$1,000 in Caixinhas for a year, they will see that the money is R$136.50 after 12 months. After this period, the total amount will be R$1,136.50.
Do incomes have discounts?
yes! With Caixinhas, the customer pays mandatory taxes, such as financial operations tax (IOF) and income tax (IR), both of which are deducted from income.
It is important to note that in the case of IOF, the tax is only levied if the funds remain in Caixinha for at least 30 days.
How to invest in Nubank Caixas?
Those who wish to apply funds in Caixinhas can follow these steps:
- Open the Nubank app and check that the “Caixinhas” option is enabled;
- Then go to the “Start Save” tab;
- Once you’re done, determine the purpose of the box. When you decide, press “Create chest”;
- Now choose the amount you want to save. Enter the value and press the arrow pointing to the right;
- Then, select a Caixinha investment. At the moment, there are two options: RDB Resgate Imediato and the Nu Reserva Imediata Fund;
- If you choose Nu Reserva Imediata, you may need to open a Nu Reserva account, if you do not already have one;
- ready! The fund is already working.
