{"id":8955,"date":"2020-11-12T09:30:12","date_gmt":"2020-11-12T12:30:12","guid":{"rendered":"https:\/\/warren.com.br\/magazine\/?p=8955"},"modified":"2023-08-02T22:14:37","modified_gmt":"2023-08-03T01:14:37","slug":"o-que-e-a-taxa-selic","status":"publish","type":"post","link":"https:\/\/warren.com.br\/magazine\/o-que-e-a-taxa-selic\/","title":{"rendered":"O que \u00e9 a Taxa Selic"},"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=8955&voice=en-US-AriaNeural&appId=l7OQ6uC_zK&trans_id=-N7RTfgilYqNspJ3ZRC2\"\n\tdata-voice=\"en-US-AriaNeural\"\n\tarticle-url=\"https:\/\/warren.com.br\/magazine\/?p=8955\"\n\tdata-appId=\"l7OQ6uC_zK\"\n\tallowfullscreen=\"\">\n\t<\/iframe>\n<\/div>\n\n<p>Sigla para Sistema Especial de Liquida\u00e7\u00e3o e Cust\u00f3dia, a <strong>Selic <\/strong>\u00e9 a taxa b\u00e1sica de juros do Brasil. Ela \u00e9 utilizada pelo Comit\u00ea de Pol\u00edtica Monet\u00e1ria (Copom) para controlar os juros no pa\u00eds e \u00e9 fundamental para a economia nacional.<\/p>\n\n\n\n<p>A Selic representa o custo do dinheiro para empr\u00e9stimos banc\u00e1rios com base na remunera\u00e7\u00e3o paga em t\u00edtulos p\u00fablicos, influenciando todas as outras taxas de juros no pa\u00eds, como as cobradas por financiamentos e empr\u00e9stimos ou as pagas no retorno de aplica\u00e7\u00f5es financeiras.<\/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-69fe2849c988c\" 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-69fe2849c988c\"  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-a-taxa-selic\/#Como_a_Selic_funciona_na_pratica\" >Como a Selic funciona 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-a-taxa-selic\/#Como_a_Selic_afeta_os_investimentos\" >Como a Selic afeta os investimentos?<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_a_Selic_funciona_na_pratica\"><\/span>Como a Selic funciona na pr\u00e1tica?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A Selic faz parte da estrat\u00e9gia de pol\u00edtica monet\u00e1ria do Brasil, cuja economia \u00e9 baseada em um regime de metas de infla\u00e7\u00e3o.<\/p>\n\n\n\n<p>Nesse modelo, criado em 1999, o pa\u00eds se compromete a adotar medidas para conter a <a href=\"https:\/\/warren.com.br\/magazine\/inflacao\/\"><strong>infla\u00e7\u00e3o<\/strong><\/a>, mantendo-a dentro de uma faixa estabelecida pelo Conselho Monet\u00e1rio Nacional (CMN). O objetivo \u00e9 a estabilidade da economia, evitando o descontrole de pre\u00e7os que faz a moeda ser desvalorizada.&nbsp;<\/p>\n\n\n\n<p>A pol\u00edtica monet\u00e1ria tem como estrat\u00e9gia influenciar a circula\u00e7\u00e3o de dinheiro na economia. Quanto mais mais recursos estiverem dispon\u00edveis, maior \u00e9 o consumo. E com o aumento do consumo, ou seja, da demanda, os pre\u00e7os tendem a subir.<\/p>\n\n\n\n<p>Nesse contexto, a Selic desempenha um papel muito importante no controle do volume dos recursos dispon\u00edveis. Com o aquecimento da economia, os pre\u00e7os come\u00e7am a subir, indo na l\u00f3gica contr\u00e1ria da meta de infla\u00e7\u00e3o. E quando isso ocorre, a Selic \u00e9 elevada.&nbsp;<\/p>\n\n\n\n<p>A taxa Selic mais alta faz os juros serem mais altos, o que torna o cr\u00e9dito mais caro, tanto para consumidores como para empresas. Isso p\u00f5e freios no consumo e ajuda no controle dos pre\u00e7os.<\/p>\n\n\n\n<p>O contr\u00e1rio tamb\u00e9m ocorre. Nos per\u00edodos em que a infla\u00e7\u00e3o est\u00e1 abaixo da m\u00e9dia, a Selic diminui, o estimulando o consumo e fomentando a economia.<\/p>\n\n\n\n<p>Para que tudo isso aconte\u00e7a, o Comit\u00ea de Pol\u00edtica Econ\u00f4mica (Copom) do Banco Central se re\u00fane a cada 45 dias para definir qual ser\u00e1 a meta para o pr\u00f3ximo m\u00eas e meio, estabelecendo, assim, qual ser\u00e1 a Selic para esse per\u00edodo.<\/p>\n\n\n\n<p>Nestes encontros, s\u00e3o debatidas as perspectivas para a economia, as condi\u00e7\u00f5es de liquidez e o comportamento dos mercados.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_a_Selic_afeta_os_investimentos\"><\/span>Como a Selic afeta os investimentos?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Assim como a taxa Selic tem impacto direto sobre os juros cobrados em solicita\u00e7\u00f5es de cr\u00e9dito, como empr\u00e9stimos e financiamentos, ela tamb\u00e9m tem efeito sobre as taxas de remunera\u00e7\u00e3o de diversas aplica\u00e7\u00f5es financeiras.<\/p>\n\n\n\n<p>Isso significa que a rentabilidade dos produtos pode mudar quando a Selic sofre alguma altera\u00e7\u00e3o. Dentre estes investimentos, podemos destacar tr\u00eas:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tesouro Selic<\/strong>: como sugere o nome, este t\u00edtulo tem a rentabilidade atrelada \u00e0 Selic; por isso, um aumento na taxa gera um aumento na rentabilidade, enquanto uma redu\u00e7\u00e3o da Selic diminui a rentabilidade do t\u00edtulo.<\/li>\n\n\n\n<li><strong>Investimentos em renda fixa<\/strong>: \u00e9 comum que produtos como CDBs, LCIs, LCAs e LCs utilizem o <strong><a href=\"https:\/\/www.youtube.com\/watch?v=W4CBAEuPXYE\">CDI (Certificado de Dep\u00f3sito Interbanc\u00e1rio)<\/a><\/strong> como indicador de rentabilidade. Como o CDI costuma estar pr\u00f3xima da taxa Selic, a remunera\u00e7\u00e3o desses investimentos ser\u00e1 afetada com as mudan\u00e7as da taxa b\u00e1sica de juros.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/warren.com.br\/magazine\/o-que-e-caderneta-de-poupanca\/\">Caderneta de poupan\u00e7a<\/a><\/strong>: o rendimento da poupan\u00e7a, conforme \u00e9 estabelecido por lei, necessariamente est\u00e1 atrelado \u00e0 Selic.\n<ul class=\"wp-block-list\">\n<li>Se ela estiver <strong>acima de 8,5%<\/strong>, a poupan\u00e7a vai render 0,5% sobre o valor investido mais a Taxa Referencial (TR);<\/li>\n\n\n\n<li>Se ela for <strong>igual ou menor que 8,5%<\/strong>, a poupan\u00e7a vai render 70% da Selic mais a TR.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Sigla para Sistema Especial de Liquida\u00e7\u00e3o e Cust\u00f3dia, a Selic \u00e9 a taxa b\u00e1sica de juros do Brasil.<\/p>\n","protected":false},"author":8,"featured_media":8956,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1016],"tags":[],"class_list":["post-8955","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>Taxa Selic: tudo o que voc\u00ea precisa saber<\/title>\n<meta name=\"description\" content=\"A Selic \u00e9 a taxa b\u00e1sica de juros do Brasil. 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