{"id":10429,"date":"2025-10-27T11:29:59","date_gmt":"2025-10-27T14:29:59","guid":{"rendered":"https:\/\/www.simplic.com.br\/blog\/?p=10429"},"modified":"2025-10-13T11:32:07","modified_gmt":"2025-10-13T14:32:07","slug":"ainda-vale-a-pena-investir-na-poupanca","status":"publish","type":"post","link":"https:\/\/www.simplic.com.br\/blog\/ainda-vale-a-pena-investir-na-poupanca\/","title":{"rendered":"Ainda vale a pena investir na poupan\u00e7a?"},"content":{"rendered":"<p><b>Tempo m\u00e9dio de leitura: <\/b><span style=\"font-weight: 400\">00:02:46<\/span><\/p>\n<p><span style=\"font-weight: 400\">O <\/span><b>Dia da Poupan\u00e7a<\/b><span style=\"font-weight: 400\">, celebrado em 30 de outubro, \u00e9 sempre uma oportunidade para refletir sobre os h\u00e1bitos financeiros do brasileiro.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Afinal, muita gente ainda guarda dinheiro na caderneta, mas ser\u00e1 que essa \u00e9 mesmo a melhor escolha em 2025?<\/span><\/p>\n<p><span style=\"font-weight: 400\">Com a <\/span><b>Selic mantida em 15% ao ano<\/b><span style=\"font-weight: 400\">, a <\/span><a href=\"https:\/\/istoedinheiro.com.br\/selic-a-15-quanto-rendem-r-1-000-na-poupanca-cdb-lci-lca-e-tesouro-direto\"><span style=\"font-weight: 400\">poupan\u00e7a<\/span><\/a><span style=\"font-weight: 400\"> oferece um rendimento limitado, enquanto outros investimentos de renda fixa, como CDBs, LCIs, LCAs e Tesouro Direto, entregam retornos significativamente mais altos. Vamos entender os pr\u00f3s e contras.<\/span><\/p>\n<p><b><i>Veja tamb\u00e9m: <\/i><\/b><a href=\"https:\/\/www.simplic.com.br\/blog\/investimentos-para-iniciantes-como-comecar-a-investir\/\"><b><i>Investimentos para iniciantes: como come\u00e7ar a investir?<\/i><\/b><\/a><\/p>\n<h2><b>Vantagens da poupan\u00e7a<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400\"><b>Simplicidade<\/b><span style=\"font-weight: 400\">: qualquer pessoa pode abrir uma conta e come\u00e7ar a investir.<\/span><span style=\"font-weight: 400\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400\"><b>Baixo risco<\/b><span style=\"font-weight: 400\">: \u00e9 considerada uma aplica\u00e7\u00e3o segura, garantida pelo Fundo Garantidor de Cr\u00e9ditos (FGC).<\/span><span style=\"font-weight: 400\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400\"><b>Liquidez imediata<\/b><span style=\"font-weight: 400\">: o dinheiro pode ser resgatado a qualquer momento.<\/span><span style=\"font-weight: 400\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400\"><b>Isen\u00e7\u00e3o de impostos<\/b><span style=\"font-weight: 400\">: diferentemente de outras aplica\u00e7\u00f5es, n\u00e3o h\u00e1 cobran\u00e7a de IR sobre os rendimentos.<\/span><\/li>\n<\/ul>\n<p><b>Desvantagens da poupan\u00e7a<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>Baixa rentabilidade<\/b><span style=\"font-weight: 400\">: em 2025, a poupan\u00e7a rende cerca de <\/span><b>2,89% ao ano acima da infla\u00e7\u00e3o<\/b><span style=\"font-weight: 400\">, enquanto CDBs e LCIs podem ultrapassar os 9%.<\/span><span style=\"font-weight: 400\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400\"><b>Regra do anivers\u00e1rio<\/b><span style=\"font-weight: 400\">: s\u00f3 rende na data de dep\u00f3sito, o que limita ganhos em resgates antecipados.<\/span><span style=\"font-weight: 400\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400\"><b>Perde para outros investimentos<\/b><span style=\"font-weight: 400\">: Tesouro Selic, CDBs e at\u00e9 deb\u00eantures incentivadas oferecem retornos mais atrativos.<\/span><\/li>\n<\/ul>\n<p><b><i>Veja tamb\u00e9m: <\/i><\/b><a href=\"https:\/\/www.youtube.com\/watch?v=GrAih_KLSQY\"><b><i>Empr\u00e9stimo online: Diferen\u00e7a entre pr\u00e9-aprova\u00e7\u00e3o e aprova\u00e7\u00e3o!<\/i><\/b><\/a><\/p>\n<h2><b>Compara\u00e7\u00e3o com outros investimentos<\/b><\/h2>\n<p><span style=\"font-weight: 400\">Segundo dados da plataforma Yubb, os rendimentos reais em 2025 s\u00e3o:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>Poupan\u00e7a<\/b><span style=\"font-weight: 400\">: 2,89% ao ano<\/span><span style=\"font-weight: 400\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400\"><b>Tesouro Selic<\/b><span style=\"font-weight: 400\">: 7,12% ao ano<\/span><span style=\"font-weight: 400\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400\"><b>CDB de bancos m\u00e9dios<\/b><span style=\"font-weight: 400\">: at\u00e9 8,88% ao ano<\/span><span style=\"font-weight: 400\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400\"><b>LCI e LCA<\/b><span style=\"font-weight: 400\">: acima de 9% ao ano, com isen\u00e7\u00e3o de IR<\/span><span style=\"font-weight: 400\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400\"><b>Deb\u00eantures incentivadas<\/b><span style=\"font-weight: 400\">: at\u00e9 11,60% ao ano<\/span><span style=\"font-weight: 400\">\n<p><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">Ou seja, mesmo com seguran\u00e7a e liquidez, a poupan\u00e7a perde em potencial de ganhos.<\/span><\/p>\n<h2><b>E se o objetivo for lidar com d\u00edvidas?<\/b><\/h2>\n<p><span style=\"font-weight: 400\">Muitas pessoas ainda recorrem \u00e0 <\/span><a href=\"https:\/\/www.bcb.gov.br\/estatisticas\/remuneradepositospoupanca\"><span style=\"font-weight: 400\">poupan\u00e7a<\/span><\/a><span style=\"font-weight: 400\"> como forma de <\/span><b>reserva de emerg\u00eancia<\/b><span style=\"font-weight: 400\">, mas em casos de <\/span><b>d\u00edvidas<\/b><span style=\"font-weight: 400\">, pode ser mais estrat\u00e9gico buscar alternativas.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Hoje, existem op\u00e7\u00f5es como <\/span><b>empr\u00e9stimo online urgente<\/b><span style=\"font-weight: 400\">, <\/span><b>empr\u00e9stimo pessoal para negativados<\/b><span style=\"font-weight: 400\"> e at\u00e9 <\/span><b>empr\u00e9stimo r\u00e1pido para negativado<\/b><span style=\"font-weight: 400\">, que podem ajudar quem precisa organizar as finan\u00e7as.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Esses produtos, quando bem escolhidos, oferecem <\/span><b>empr\u00e9stimo f\u00e1cil para negativado<\/b><span style=\"font-weight: 400\">, com mais clareza nas condi\u00e7\u00f5es e possibilidade de renegociar valores.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Al\u00e9m disso, podem ser usados para quitar d\u00edvidas caras do cart\u00e3o de cr\u00e9dito e cheque especial, ajudando a equilibrar o or\u00e7amento.<\/span><\/p>\n<h2><b>Entenda se a poupan\u00e7a serve para seu perfil<\/b><\/h2>\n<p><span style=\"font-weight: 400\">Investir na poupan\u00e7a ainda pode fazer sentido para quem busca <\/span><b>simplicidade, seguran\u00e7a e liquidez imediata<\/b><span style=\"font-weight: 400\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Por\u00e9m, para quem deseja <\/span><b>renda extra<\/b><span style=\"font-weight: 400\"> e maior rentabilidade, h\u00e1 op\u00e7\u00f5es melhores no mercado, como CDBs, Tesouro Selic e LCIs\/LCAs.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Seja para investir ou para organizar a vida financeira com um <\/span><b>empr\u00e9stimo pessoal<\/b><span style=\"font-weight: 400\">, \u00e9 essencial comparar alternativas e alinhar a escolha ao seu objetivo.<\/span><\/p>\n<p><span style=\"font-weight: 400\">E se precisar de ajuda, conte com o empr\u00e9stimo da Simplic<\/span><span style=\"font-weight: 400\"><br \/>\n<\/span><span style=\"font-weight: 400\"><br \/>\n<\/span><span style=\"font-weight: 400\">Para realizar a solicita\u00e7\u00e3o, primeiro voc\u00ea deve acessar o nosso site <\/span><a href=\"https:\/\/www.simplic.com.br\/social\/emprestimo-pessoal\"><span style=\"font-weight: 400\">www.simplic.com.br<\/span><\/a><span style=\"font-weight: 400\"> e fazer uma simula\u00e7\u00e3o preenchendo o valor e quantidade de parcelas desejadas.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Depois, para enviar uma proposta, clique em \u201cSolicite j\u00e1\u201d e preencha os dados solicitados. Voc\u00ea j\u00e1 saber\u00e1 na hora se foi pr\u00e9-aprovado.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Nesse caso, voc\u00ea poder\u00e1 acompanhar o status de sua proposta no pr\u00f3prio site, utilizando seu login e senha cadastrados e acessando a op\u00e7\u00e3o \u201cMeus empr\u00e9stimos\u201d.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Nossos processos de empr\u00e9stimo s\u00e3o feitos somente pelo site e n\u00e3o \u00e9 cobrado nenhum valor antecipado.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">N\u00e3o analisamos solicita\u00e7\u00f5es de empr\u00e9stimo por telefone e n\u00e3o efetuamos empr\u00e9stimos via WhatsApp.<\/span><span style=\"font-weight: 400\"><br \/>\n<\/span><span style=\"font-weight: 400\"><br \/>\n<\/span><span style=\"font-weight: 400\">N\u00e3o direcionamos a solicita\u00e7\u00e3o de empr\u00e9stimo para WhatsApp &#8211; se qualquer site ou p\u00e1gina se passando pela Simplic te direcionar para finalizar o empr\u00e9stimo no WhatsApp, interrompa o processo imediatamente e fa\u00e7a um boletim de ocorr\u00eancia.<\/span><span style=\"font-weight: 400\"><br \/>\n<\/span><span style=\"font-weight: 400\"><br \/>\n<\/span><span style=\"font-weight: 400\">Quando for realizar um pagamento, verifique o CNPJ e se o destinat\u00e1rio \u00e9 mesmo a Simplic.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Todas as propostas passam por uma an\u00e1lise e podem ou n\u00e3o ser aprovadas.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Se tiver alguma d\u00favida ou precisar de algo, estamos \u00e0 disposi\u00e7\u00e3o para ajudar.<\/span><\/p>\n<p><span style=\"font-weight: 400\">A <\/span><a href=\"https:\/\/www.simplic.com.br\/social\/emprestimo-pessoal\"><span style=\"font-weight: 400\">Simplic<\/span><\/a><span style=\"font-weight: 400\"> \u00e9 uma das fintechs pioneiras no Brasil em oferecer empr\u00e9stimo pessoal online, mesmo para quem est\u00e1 negativado.\u00a0<\/span><\/p>\n<p><b>Canais oficiais de atendimento:<\/b><\/p>\n<p><b>Central de Atendimento<\/b><span style=\"font-weight: 400\"><br \/>\n<\/span><span style=\"font-weight: 400\">Capitais e regi\u00f5es metropolitanas: 3004-7242<\/span><span style=\"font-weight: 400\"><br \/>\n<\/span><span style=\"font-weight: 400\">Demais localidades: 0800-200-7242<\/span><\/p>\n<p><span style=\"font-weight: 400\">WhatsApp: (11) 3335-2979<\/span><\/p>\n<p><span style=\"font-weight: 400\">E-mail: <\/span><a href=\"mailto:contato@simplic.com.br\"><span style=\"font-weight: 400\">contato@simplic.com.br<\/span><span style=\"font-weight: 400\"><br \/>\n<\/span><span style=\"font-weight: 400\"><br \/>\n<\/span><\/a><span style=\"font-weight: 400\">Siga a Simplic tamb\u00e9m no Instagram: @simplicemprestimos<\/span><\/p>\n<p><b><i>Veja tamb\u00e9m: <\/i><\/b><a href=\"https:\/\/www.simplic.com.br\/blog\/emprestimo-para-negativado-e-possivel-conseguir\/\"><b><i>Empr\u00e9stimo para negativado: \u00e9 poss\u00edvel conseguir?<\/i><\/b><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tempo m\u00e9dio de leitura: 00:02:46 O Dia da Poupan\u00e7a, celebrado em 30 de outubro, \u00e9 sempre uma oportunidade para refletir sobre os h\u00e1bitos financeiros do brasileiro.\u00a0 Afinal, muita gente ainda [&hellip;]<\/p>\n","protected":false},"author":40,"featured_media":10430,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-10429","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ainda vale a pena investir na poupan\u00e7a? 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