{"id":8795,"date":"2020-11-06T11:46:12","date_gmt":"2020-11-06T14:46:12","guid":{"rendered":"https:\/\/warren.com.br\/magazine\/?p=8795"},"modified":"2023-08-02T22:14:40","modified_gmt":"2023-08-03T01:14:40","slug":"o-que-e-caderneta-de-poupanca","status":"publish","type":"post","link":"https:\/\/warren.com.br\/magazine\/o-que-e-caderneta-de-poupanca\/","title":{"rendered":"O que \u00e9 caderneta de poupan\u00e7a"},"content":{"rendered":"<div id=\"playht-iframe-wrapper\" style=\"max-height: 210px !important;\">\n\t<iframe\n\tscrolling=\"no\"\n\tclass=\"playht-iframe-player\"\n\tid=\"playht-iframe-player\"\n\theight=\"90px\"\n\twidth=\"100%\"\n\tframeborder=\"0\"\n\tstyle=\"max-height: 90px; height: 90px !important;\"\n\tsrc=\"https:\/\/play.ht\/embed\/?article_url=https:\/\/warren.com.br\/magazine\/?p=8795&voice=pt-BR-FranciscaNeural&appId=l7OQ6uC_zK&trans_id=-N7Rb0c0N7do_nGI0xDf\"\n\tdata-voice=\"pt-BR-FranciscaNeural\"\n\tarticle-url=\"https:\/\/warren.com.br\/magazine\/?p=8795\"\n\tdata-appId=\"l7OQ6uC_zK\"\n\tallowfullscreen=\"\">\n\t<\/iframe>\n<\/div>\n\n<p>A <strong>caderneta de poupan\u00e7a<\/strong>, tamb\u00e9m conhecida como \u201cconta poupan\u00e7a\u201d ou somente poupan\u00e7a, \u00e9 a aplica\u00e7\u00e3o mais tradicional no Brasil.<\/p>\n\n\n\n<p>Apesar de muitas pessoas n\u00e3o a considerarem um investimento, a poupan\u00e7a \u00e9 o primeiro contato de muita gente com o mercado financeiro.<\/p>\n\n\n\n<p>Sin\u00f4nimo de investimento em <strong><a href=\"https:\/\/warren.com.br\/magazine\/fundo-renda-fixa\/\">renda fixa<\/a><\/strong> h\u00e1 alguns anos, depois de 2012, com mudan\u00e7as no c\u00e1lculo de juros, a caderneta de poupan\u00e7a foi perdendo sua atratividade.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 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-6a0346d380b0a\" 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-6a0346d380b0a\"  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\/o-que-e-caderneta-de-poupanca\/#Como_funciona_a_caderneta_de_poupanca_na_pratica\" >Como funciona a caderneta de poupan\u00e7a na pr\u00e1tica?<\/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\/o-que-e-caderneta-de-poupanca\/#Liquidez_da_Caderneta_de_Poupanca\" >Liquidez da Caderneta de Poupan\u00e7a<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_funciona_a_caderneta_de_poupanca_na_pratica\"><\/span>Como funciona a caderneta de poupan\u00e7a na pr\u00e1tica?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A caderneta de poupan\u00e7a \u00e9 uma aplica\u00e7\u00e3o de renda fixa simples e acess\u00edvel. Qualquer pessoa, at\u00e9 menores de idade representados por um respons\u00e1vel legal, podem ter uma conta em seu nome.<\/p>\n\n\n\n<p>\u00c9 s\u00f3 escolher um banco e abrir a conta. Independente da institui\u00e7\u00e3o financeira escolhida, o rendimento da caderneta de poupan\u00e7a \u00e9 o mesmo: sua remunera\u00e7\u00e3o est\u00e1 vinculada ao c\u00e1lculo com base na <strong>Taxa Selic<\/strong> e na <strong>Taxa Referencial <\/strong>(TR).<\/p>\n\n\n\n<p>A Selic \u00e9 a taxa b\u00e1sica de juros do pa\u00eds. Ela \u00e9 a principal refer\u00eancia para a maioria dos produtos de renda fixa.<\/p>\n\n\n\n<p>J\u00e1 a taxa referencial \u00e9 uma taxa em que se baseiam outras taxas. Ela foi criada em 1991, num per\u00edodo de altos \u00edndices de <strong><a href=\"https:\/\/warren.com.br\/magazine\/inflacao\/\">infla\u00e7\u00e3o<\/a><\/strong>, para indicar os <strong>juros <\/strong>vigentes a cada dia, evitando que a taxa do m\u00eas em quest\u00e3o refletisse a infla\u00e7\u00e3o<strong> <\/strong>do m\u00eas anterior.<\/p>\n\n\n\n<p>Se a taxa Selic estiver acima de 8,5% ao ano, a poupan\u00e7a render\u00e1 0,5% sobre o valor depositado, mais a taxa referencial.<\/p>\n\n\n\n<p>Se a taxa Selic estiver igual ou abaixo de 8,5% ao ano, por\u00e9m, a poupan\u00e7a render\u00e1 70% da Selic, mais a taxa referencial.&nbsp;<\/p>\n\n\n\n<p>Portanto, hoje, com a <a href=\"https:\/\/warren.com.br\/magazine\/nova-queda-selic-entenda-impactos-renda-fixa\/\">Selic a 2%<\/a>, a poupan\u00e7a dever\u00e1 pagar cada vez menos. Ou seja, quanto menor for a taxa Selic, menor ser\u00e1 o rendimento da poupan\u00e7a. E isso acontecer\u00e1 sempre que a Selic estiver abaixo de 8,5%.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Liquidez_da_Caderneta_de_Poupanca\"><\/span>Liquidez da Caderneta de Poupan\u00e7a<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Quem tem algum valor investido na caderneta de poupan\u00e7a pode resgat\u00e1-lo a qualquer momento. No entanto, se o valor for retirado antes de 30 dias, <strong>os rendimentos n\u00e3o ser\u00e3o somados a ele<\/strong>.<\/p>\n\n\n\n<p>A poupan\u00e7a \u00e9 <strong>isenta de custos<\/strong>. Inclusive, a cobran\u00e7a de tarifas de abertura ou taxas de manuten\u00e7\u00e3o \u00e9 proibida.<\/p>\n\n\n\n<p>Al\u00e9m disso, na caderneta de poupan\u00e7a n\u00e3o h\u00e1 incid\u00eancia de tributos, e os rendimentos ali gerados n\u00e3o pagam Imposto de Renda.&nbsp;<br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A caderneta de poupan\u00e7a, tamb\u00e9m conhecida como \u201cconta poupan\u00e7a\u201d ou somente poupan\u00e7a, \u00e9 a aplica\u00e7\u00e3o mais tradicional no Brasil.<\/p>\n","protected":false},"author":8,"featured_media":8796,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1016],"tags":[],"class_list":["post-8795","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-por-dentro-do-mercado","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Caderneta de poupan\u00e7a: tudo o que voc\u00ea precisa saber<\/title>\n<meta name=\"description\" content=\"A caderneta de poupan\u00e7a \u00e9 uma aplica\u00e7\u00e3o de renda fixa simples e acess\u00edvel. 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