CDBs com LIQUIDEZ DIÁRIA pagando 110% CDI! Veja onde investir o seu dinheiro com a SELIC em 14% a.a.

Macro / rates context

• Brazil COPOM decision: SELIC cut from 14.25% to 14% a.a.
• Outlook: likely last cut, with further declines possibly next year if:
  • inflation stays controlled,
  • public debt doesn’t rise too much, and
  • election-related uncertainty remains contained.

Assumptions used for simulation (1 year)

• SELIC assumed stable at: 14%
• CDI assumed stable at: 13.9%
• Income tax (IR) deducted at the 1-year rate: 17.5% (shown figures are net)

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“Daily liquidity” CDB framework + safety/disclosures (FGC, exclusions, methodology)

Scope

• Focus is on fixed-income instruments with daily liquidity via CDBs (with one Selic Treasury bond exception).

FGC guarantee used

• FGC covers up to: R$250,000 per issuing bank
• Cap per investor: R$1,000,000, even if the bank fails
• Excludes payment-account investments not guaranteed by FGC, e.g.:
  • 99 Pay
  • Recarga Pay
  • Astropay

Product exclusions / promo filtering

• Excludes “promotional” boosted products typically characterized by:
  • short lockups (e.g., 1–6 months), or
  • low caps (e.g., R$5k–R$15k),
  • except: the ranking includes a Banco BV CDB described as somewhat promotional, but considered reasonable due to a 1-year horizon.
• Excludes LC and LCA because the minimum holding period is 6 months, so they are not “daily liquidity” for emergency cash.

Simulation approach / ranking setup

• Compare first against Savings account, then rank top options.
• Simulate investing:
  • R$10,000 in each option (where minimums allow),
  • notes mention a R$1,000 setup for simulation setup, though most ranking examples use R$10,000.
• Results are compared net after 1 year, using the stated 17.5% IR assumption.

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Benchmark: Savings account performance (cash reserve context)

• Savings account yields: 0.5% per month + TR
• Reference benchmark: ~8.30% over the last 12 months (per presenter’s simulation)
• Example (1 year): R$10,000 → R$10,830 (net effect shown as low vs alternatives)
• Operational detail: pays on anniversary every 30 days, but has no terminal maturity.

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Ranked “daily liquidity” investment options (net of 17.5% IR at 1 year)

Assumptions: CDI-linked return assumptions drive outcomes. “Daily liquidity” means you can redeem anytime, but contracts still have a maturity date (for example outcomes assumed the same net amount where stated).

10th place (lowest in list)

• Selic Treasury bond included here (exception: no FGC needed due to sovereign guarantee)
• CDBs / interest-bearing accounts paying 100% of CDI, including examples like:
  • Nubank savings / piggy bank / 100% CDI account balance
• Example (1 year): R$10,000 → R$11,147 net

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9th place

• Mercado Livre CDB: 101% of CDI
  • Daily liquidity
  • Min investment: R$1
  • Maturity: 2 years
• Example (1 year): R$10,000 → R$11,100 net

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8th place

• Banco ABC Brasil CDB: 102% of CDI
  • Min investment: R$50
  • Maturity: 2 years
• Example (1 year): R$10,000 → R$11,169 net

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7th place

• C6 Bank CDB: 102% of CDI

  • Min investment: R$20
  • Maturity: 3 years (note: daily liquidity but still has a maturity date)

• Example (1 year withdrawal): R$10,000 → R$11,169

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6th place

• PicPay CDB: 102% of CDI
  • Min investment: R$100
  • Maturity: 4 years
• Example (1 year): R$10,000 → R$11,169
  • Note: if using “piggy banks” via PicPay, minimum can be R$1 (as stated).

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5th place

• Daikoval (Decoval) CDB focused on liquidity: 103% of CDI
  • Min investment: R$1,000
  • Maturity: 5 years
• Example (1 year): R$10,000 → R$11,181 net

Promotion (new customers): bonus R$100

Bonus applies if:

• Open account and invest at least R$10,000
• Leave invested ≥ 90 days (3 months)
• Bonus is credited to Daikoval checking account

If bonus is earned: total becomes ~R$11,281 net, which would move it to 1st place.

Daikoval promotion mechanics (step-by-step)

1. Click/scan link/QR in description
2. Open account (coupon form checked/filled)

3. Within 30 days, invest ≥ R$10,000 in Daikoval fixed income (not necessarily the same daily-liquidity CDB)

4. Leave investment ≥ 90 days

5. Receive R$100 bonus into Daikoval current account
6. Bonus can be withdrawn/reinvested/transfer; referral program may pay R$200 per referral (extra)

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4th place

• Sofisa Direto CDB: 105% of CDI
  • Min investment: R$1
  • Maturity: 3 years
• Example (1 year): R$10,000 → R$11,204 net

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3rd place (bonus structure; first-month boost)

• PagBank CDB
  • Base: 103% of CDI

  • Promotional bonus: 13.30% “CDI” for 30 days (presenter wording; described as 1330% CDI for the first month)

    • First month effective: ~130% of CDI
    • Subsequent months: ~103% of CDI
      • Min investment: R$500
      • Maturity: 2 years
    • Example after 1 year (with first-month boost): outcome around ~R$11,000s, nearly tied with Sofisa Direto
      • Presenter notes Sofisa is better if holding beyond 1 year due to higher fixed rate (105% vs 103%).

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2nd place (noted as somewhat promotional)

• Banco BV daily liquidity CDB: 1110% of CDI (presenter clarifies this is ~110% in context)

  • Min investment: R$1
  • Maturity: 1 year (key limitation: can’t get that high rate for multiple years)
  • Example (1 year): R$10,000 → R$11,261 net

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1st place (best for holding ~1 year)

• Banco BMG CDB (main pick)
  • Tiered CDB with daily liquidity
  • Min investment: R$50
  • Maturity: 2 years
  • If redeemed within 1–365 days: 110% of CDI
    • Example (1 year): R$10,000 → R$11,261 net
  • If redeemed 366–730 days: 112% of CDI

Other BMG CDBs mentioned (not ranked)

• Tiered, 5-year structure:
  • starts 105% CDI (year 1)
  • steps up annually to 109% (final year)
• Another daily-liquidity CDB paying 107% CDI:
  • 3-year maturity, not tiered

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Explicit recommendations / cautions

• Use FGC-guaranteed CDBs for emergency and opportunity reserves with daily liquidity, emphasizing safety.
• Exclude (as described):
  • Non-FGC payment accounts (e.g., 99 Pay, Recarga Pay, Astropay)
  • Promotional/short-expiry or low-cap products (with noted exceptions)
  • Banks with “questionable financial health” (presenter excludes “struggling” banks)

Caution notes

• Promotional structures: PagBank first-month bonus helps mainly for short horizons; higher fixed rates win for >1 year.
• Timing caution: Banco BV’s high rate is constrained by 1-year maturity (no multi-year “miracles”).
• Included rates depend on the simulation assumptions; actual CDI/SELIC paths may change outcomes.

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Instruments / tickers / sectors mentioned

• SELIC (policy rate)
• CDI (reference for CDB returns)
• FGC (credit guarantee fund)
• CDBs (Certificates of Deposit)
• Selic Treasury bond (mention only; no specific ticker)

Banks/issuers mentioned (for CDBs)

• Banco BV
• Banco BMG
• Banco ABC Brasil
• C6 Bank
• PicPay
• Mercado Livre (issuer/brand for CDB)
• Sofisa Direto
• PagBank
• Daikoval / Decoval
• Nubank (as an example of savings/piggy account; excluded from main FGC safety framing unless it’s CDB/guaranteed)

Payment accounts mentioned (excluded from FGC focus)

• 99 Pay
• Recarga Pay
• Astropay

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Disclosures / disclaimers

• The presenter emphasizes FGC guarantees and coverage limits.
• No “not financial advice” disclaimer is shown in the provided subtitles.

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Presenters / sources

• Presenter: Alexandre Vinkler (investment analyst and financial educator)
• Source referenced for simulation: Central Bank of Brazil website (used to estimate savings account payout over the past 12 months)