At the request of MT, financial educator Tatiane Viana shows whether the digital bank's “boxes” are still worth it by comparing the tool's yields with those of CDBs from other institutions. (Image: Nubank/Disclosure/Unsplash)
With the new Selic rate and the market's outlook that interest rates will continue to rise in the short term, fixed income becomes even more attractive to investors. Digital banks take advantage of this opportunity to offer various promotions and products to their customers and future customers.
O Money Times recently published several of these offers, such as Mercado Pago, with a CDB with a yield of 150% of the CDI and Nubank with a CDB with 121% of the CDI.
O Nubank (NOT;ROXO34), including, has the famous “little boxes”, which are a tool that the bank uses to help customers separate money.
Nubank's boxes are part of a feature in the account app that allows you to separate your money into categories. For example, if you need to set aside money for a trip, simply create one of these boxes, apply an amount and name it as you wish. The institution will give you two options to let your money earn interest:
- o RDB (Bank Deposit Receipt): which are private fixed income securities issued by commercial banks, investment banks and others. It tracks the yield of 100% of the CDIhas immediate liquidity and protection from the Credit Guarantee Fund (FGC), for amounts up to R$250 thousand per CPF and per institution.
- or the Immediate Bare Bottoma fixed income fund with an asset diversification strategy, which aims to exceed 100% of CDI in the long term. In this modality, Nu Reserva Imediata can feel the market fluctuations.
Nubank also offers some other types of fixed income in its app with variations in yield and duration: Planned RDB due in one year and the Planned RDB due in two years.
At the request of Money Times, financial educator Tatiane Viana shows whether the digital bank's “boxes” are still worth it by comparing the tool's yields with those of CDBs from other institutions.
For this simulation, Viana takes into account an investment of R$20,000 in these investments and used the CDI at 10.65% per year as the basis for the calculation, considering the new Selic rate. In addition, it is worth remembering that these investments are subject to Income Tax.
See the simulation:
| INVESTMENT | %CDI | AND | LIQUID | MATURITY |
|---|---|---|---|---|
| RDB | 100% | 20% | R$ 20823,69 | |
| PLANNED RDB | 103% | 20% | R$ 20849,04 | 21/03/2025 |
| PLANNED RDB | 104% | 17,5% | R$ 21823,64 | 20/09/2025 |
| CDB BANKING | 109% | 17,5% | R$ 21916,20 | 20/09/2025 |
| CDB BANCO MODAL | 110% | 20% | R$ 20975,69 | 28/03/2025 |
| CDB BANCO MASTER | 115% | 17,5% | R$ 22027,89 | 20/09/2025 |
For Viana, choosing the best option depends on the objectives of each investor. She assesses that CDBs (Bank Deposit Certificates) tend to offer more attractive percentages, especially when the investment is reserved for long term.
“In addition, many CDBs offer daily liquidity, allowing investors to withdraw their money at any time, which is interesting for those who want more flexibility. As mentioned, depending on the bank, you can find options with better rates, especially if you are willing to invest for longer terms,” explains the educator.
The educator also points out that it is essential to give up liquidity and maintain the investment until maturity to maximize gains, considering that these investments are subject to income tax, which decreases as the investment period increases. “The longer the term, the lower the income tax rate will be, which makes the investment more advantageous,” she says.