{"id":23204,"date":"2025-08-25T17:38:53","date_gmt":"2025-08-25T20:38:53","guid":{"rendered":"https:\/\/warren.com.br\/magazine\/?p=23204"},"modified":"2025-08-25T17:56:00","modified_gmt":"2025-08-25T20:56:00","slug":"vale-buscar-120-do-cdi","status":"publish","type":"post","link":"https:\/\/warren.com.br\/magazine\/vale-buscar-120-do-cdi\/","title":{"rendered":"Vale buscar 120% do CDI?"},"content":{"rendered":"\n<p>Quando se fala em renda fixa, \u00e9 comum surgir a compara\u00e7\u00e3o: <em>\u201cEsse t\u00edtulo rende 100% do CDI, mas aquele oferece 120%\u201d<\/em>.<\/p>\n\n\n\n<p>\u00c0 primeira vista, parece \u00f3bvio que o segundo \u00e9 melhor. Mas ser\u00e1 que essa diferen\u00e7a \u00e9 t\u00e3o relevante assim na sua vida financeira? Vamos entender melhor.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Indice<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69f4d550687d4\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69f4d550687d4\"  aria-label=\"Alternar\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/warren.com.br\/magazine\/vale-buscar-120-do-cdi\/#O_que_esta_por_tras_dessas_taxas\" >O que est\u00e1 por tr\u00e1s dessas taxas?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/warren.com.br\/magazine\/vale-buscar-120-do-cdi\/#A_forca_dos_aportes_no_inicio\" >A for\u00e7a dos aportes no in\u00edcio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/warren.com.br\/magazine\/vale-buscar-120-do-cdi\/#Quando_os_juros_compostos_assumem_o_protagonismo\" >Quando os juros compostos assumem o protagonismo<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/warren.com.br\/magazine\/vale-buscar-120-do-cdi\/#Mas_entao_o_que_eu_devo_escolher\" >Mas ent\u00e3o, o que eu devo escolher?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/warren.com.br\/magazine\/vale-buscar-120-do-cdi\/#Quer_investir_com_clareza_e_estrategia\" >Quer investir com clareza e estrat\u00e9gia?<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"O_que_esta_por_tras_dessas_taxas\"><\/span>O que est\u00e1 por tr\u00e1s dessas taxas?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>O CDI (Certificado de Dep\u00f3sito Interbanc\u00e1rio) \u00e9 o principal indexador da renda fixa no Brasil. Quando um investimento promete 100% ou 120% do CDI, est\u00e1 basicamente oferecendo um rendimento atrelado a esse par\u00e2metro. Por exemplo: <em>colocar o CDI atual e mostrar o c\u00e1lculo do que seria 120% desse.<\/em><\/p>\n\n\n\n<p>Mas a grande quest\u00e3o \u00e9: essa diferen\u00e7a percentual muda tanto assim o resultado final do seu patrim\u00f4nio?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"A_forca_dos_aportes_no_inicio\"><\/span>A for\u00e7a dos aportes no in\u00edcio<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A verdade \u00e9 que nos primeiros anos de investimento, o que realmente faz diferen\u00e7a n\u00e3o \u00e9 a taxa escolhida, mas sim a regularidade dos aportes.<\/p>\n\n\n\n<p>Uma simula\u00e7\u00e3o simples feita pelo L\u00edder Comercial da Warren S\u00e3o Paulo, <strong><a href=\"https:\/\/www.linkedin.com\/in\/gabriel-almendra-cfp%C2%AE-a66798132\/\">Gabriel Almendra<\/a><\/strong>, mostra que a curva de crescimento \u00e9 muito mais impactada pela disciplina de investir todos os meses do que pela varia\u00e7\u00e3o entre 100% e 120% do CDI.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"524\" src=\"https:\/\/warren.com.br\/magazine\/wp-content\/uploads\/2025\/08\/image-1024x524.png\" alt=\"120% CDI \" class=\"wp-image-23205\" srcset=\"https:\/\/warren.com.br\/magazine\/wp-content\/uploads\/2025\/08\/image-1024x524.png 1024w, https:\/\/warren.com.br\/magazine\/wp-content\/uploads\/2025\/08\/image-300x154.png 300w, https:\/\/warren.com.br\/magazine\/wp-content\/uploads\/2025\/08\/image-768x393.png 768w, https:\/\/warren.com.br\/magazine\/wp-content\/uploads\/2025\/08\/image-1536x786.png 1536w, https:\/\/warren.com.br\/magazine\/wp-content\/uploads\/2025\/08\/image-2048x1048.png 2048w, https:\/\/warren.com.br\/magazine\/wp-content\/uploads\/2025\/08\/image-1568x802.png 1568w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quando_os_juros_compostos_assumem_o_protagonismo\"><\/span>Quando os juros compostos assumem o protagonismo<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u00c0 medida que o patrim\u00f4nio cresce, os juros compostos come\u00e7am a pesar mais.<\/p>\n\n\n\n<p>No cen\u00e1rio simulado acima, a carteira com rendimento maior s\u00f3 ultrapassa a outra depois de cerca de 13 anos de acumula\u00e7\u00e3o cont\u00ednua.<\/p>\n\n\n\n<p>Ou seja, at\u00e9 esse ponto a disciplina em aportar \u00e9 muito mais determinante do que buscar a melhor taxa do mercado.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mas_entao_o_que_eu_devo_escolher\"><\/span>Mas ent\u00e3o, o que eu devo escolher?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Escolha a disciplina.<\/p>\n\n\n\n<p>Procurar melhores oportunidades de rentabilidade \u00e9 saud\u00e1vel, mas n\u00e3o deve ser a prioridade de quem est\u00e1 come\u00e7ando a investir. <\/p>\n\n\n\n<p>O que realmente faz diferen\u00e7a no in\u00edcio da jornada \u00e9 a const\u00e2ncia: investir todos os meses, com disciplina e m\u00e9todo.<\/p>\n\n\n\n<p>Com o tempo, quando o patrim\u00f4nio j\u00e1 estiver mais robusto, a\u00ed sim a compara\u00e7\u00e3o entre rentabilidades ganha peso e pode ajudar a refinar a estrat\u00e9gia. At\u00e9 l\u00e1, o foco deve estar em acumular e manter a consist\u00eancia.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quer_investir_com_clareza_e_estrategia\"><\/span>Quer investir com clareza e estrat\u00e9gia?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Na Warren, voc\u00ea conta com especialistas para montar um plano de investimentos sob medida, que une disciplina e rentabilidade de forma equilibrada.<\/p>\n\n\n\n<p><a href=\"https:\/\/api.whatsapp.com\/send\/?phone=5511981217346\"><strong>Fale com um assessor e descubra como investir melhor<\/strong>.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Muitos investidores se perguntam se vale a pena buscar investimentos que pagam 120% do CDI em vez de 100%.<\/p>\n","protected":false},"author":8,"featured_media":23206,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1015],"tags":[],"class_list":["post-23204","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-planejamento-financeiro","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Vale buscar 120% do CDI? | Warren Magazine<\/title>\n<meta name=\"description\" content=\"Estudos mostram que a disciplina de investir mensalmente vale mais do que a rentabilidade do seu investimento. 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