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mai
09
2012
Mudanças na poupança: entenda como a MP altera os rendimentos dos investidores

Recentemente, o governo anunciou a mudança no rendimento da caderneta de poupança brasileira. Para os investidores mais assíduos, essa mudança é significativa, especialmente para os que aplicam em longo prazo e em grandes quantias. Vamos entender melhor quais foram as mudanças propostas pelo governo.

Para todas as poupanças abertas a partir do dia 04 de maio de 2012, o rendimento se dará da seguinte forma: quando a Selic (taxa de juros fixada pelo Banco central) foi igual ou inferior a 8,5% ao ano, os depósitos feitos renderão 70% da Selic mais a variação da Taxa Referência – TR. Quando a Selic for maior que 8,5% ao ano, a poupança funcionará como anteriormente.

E como funcionava a poupança antes? É simples: os rendimentos venciam mensalmente, garantindo um retorno fixo de 6% ao ano sobre o valor depositado. Se parecia tão simples, vamos entender porque mudou. O Governo precisa que os títulos públicos sejam vendidos e mantenham-se com investidores, pois servem para “financiar” o Estado. Se a caderneta de poupança rende quase o mesmo valor que a Selic, com uma garantia fixa, é provável que os investidores prefiram a poupança e abandonem os títulos públicos, causando um problema na economia.

Sendo assim, é o que parece: agora a poupança rende menos que os títulos públicos se a taxa de juros do país se mantiver abaixo dos 8,5% ao ano. A mudança atinge a todos os poupadores, menos os depósitos que foram realizados antes da data que a Medida Provisória (que está em processo de aprovação) foi anunciada.

Ou seja, todos os depósitos feitos a partir do dia 04/05/2012 renderão de acordo com a nova regra. Mas os depósitos feitos antes desta data manterão o rendimento de 6% anual. Para diferenciar os dois rendimentos, os Bancos darão preferência sempre aos depósitos mais atuais. Sendo assim, se você já contava com um valor na poupança e depositou um valor X após o dia 4, mas fez uma retirada inferior a X, ainda manterá os dois rendimentos. Caso a retirada seja superior a X, mexendo nos valores que já existia, passará a ter apenas o rendimento estabelecido pela MP. Dessa forma, os rendimentos antigos serão mantidos nas regras antigas até que sejam utilizados.

Para os pequenos investidores, essa mudança não afeta tanto os rendimentos e continua sendo uma boa opção. Especialmente se as aplicações são de curto prazo. Vale lembrar que o reajuste da taxa será feito a cada 45 dias, quando são feitas a reuniões para definição da Selic pelo Comitê de Política Monetária – Copom.

Continue acompanhando a Dominus para saber mais sobre finanças pessoais, investimentos, contabilidade e auditoria: Facebook.com/DominusAuditoria e @DominusAuditori.

Fonte: Dinheirama.

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