Source: Treasury Card direct on 03/21/2024 10:35
Investments in Tesouro Direto are considered the safest in Brazil. And within the types of securities available at Tesouro Direto , investments in Tesouro Selic ( LFT ) are considered the safest of all. But what everyone wants to know is how much R$100 per month yields on Tesouro Direto and its safest application, Tesouro Selic ?
With a rate of 10.75% per year and an investment of R$100 , we can calculate how much R$100 yields per month in Tesouro Direto, for those who are going to redeem the investment , say, in one month. Remember that rates vary according to BACEN 's decisions. For example, yesterday the rates were readjusted and, therefore, the data is valid for a short period of time, until the government changes these rates again.
Simulation of how much R$100 per month yields in Tesouro Direto in LFT
a) Redemption in 1 month:
- Gross income: R$0.85 = R$100 x10.75% pa. x 1 month (simplified care)
- Income Tax (IR): 22.5 % on gross income, i.e. R$0.85 x 22.5% = 0.19.
- Net income: = Gross income - IR = 0.85 - 0.19 = R$ 0.66
- Monthly income: R$0.66 per month (R$0.66 / 1 month).
How much does R$100 yield per month on Tesouro Direto Hoje?
It is important to note that fixed income is not fixed, and rates change according to the government's wishes . Additionally, the period for which the investor remains invested causes income tax to vary, that is, the longer the period in these investments , the lower the income tax rate. Therefore, the lowest IR rate occurs after 2 years of application, remaining at 15% of the profit. Consequently, for investors who only spend a month in this application, we have a very high income tax of around 22.5%, making the direct treasury not a very welcome place for short-term investors , which makes with R$100 per month in Tesouro Direto yielding just R$0.66 at the moment.
