2023-05-30 14:49:10
The Nubank Boxes were created to help our customers carry out their own plans. With this tool, you can save money in an organized way, according to your goals, right in the Nu application. And you don’t need a lot of money to start saving – just R$ 1 (one real).
But is it possible to know how much R$ 1 thousand yields in Nubank’s Boxes? Behind them are pre-suggested investments, with different yield dynamics. In one of the options, it is possible to calculate this income. Learn more below.
How much is a thousand reais in Nubank Boxes?
This answer depends on the investment behind a Little Box. For now, there are two possibilities:
- Nubank’s RDB, with a yield that accompanies 100% of the CDI. This investment is protected by the Credit Guarantee Fund (FGC). RDB is a good option for short-term goals and is the investment behind the Emergency Reserve Box.
- Nu Reserva Immediata, a fixed income fund that aims to exceed 100% of the CDI over time. Remembering that investment funds can fluctuate due to several factors (understand better below).
The RDB is a fixed income investment and the Nu Reserva Imediata fund has a mostly fixed income strategy. Despite this, they have a different income logic.
Nubank’s RDB accompanies 100% of the CDI, a rate very close to the Selic rate, which is at 13.75% in May 2023. Therefore, the profitability of this Caixinha is 13.65% per year. This means that, on average, the Caixinha com RDB has a yield of 1.07% per month.
In practice, those who leave BRL 1,000 in earnings in this Little Box for a period of one year will see the money grow to BRL 1,136.50 – an amount without Income Tax deduction for that period.
These values consider the CDI at 13.65% per year, that is, they take into account a Selic rate of 13.75% per year. Any change in the economy’s basic interest rate affects the income of the Caixinha with RDB for more or less.
Unlike the RDB, it is not possible to predict the return of an investment fund. Although the objective of Nu Reserva Immediata is to beat the CDI over time, its performance may vary with market movements, such as changes in the economy or companies.
It is only possible to know what happened in the past, but it is important to reinforce that past income does not guarantee future income.
In 2022, the Nu Reserva Imediata fund yielded 108.54% of the CDI (a total yield of +13.09%). That is, a person who invested BRL 1,000 in January 2022 reached the end of last year with BRL 1,130.90 before deductions for administration fees and taxes.
Get a better understanding of the performance of the Caixinha fund with the Nu Reserva Immediata fund here
How does time affect your investment?
In the market, time is one of the variables that influences how much your money can yield. In many cases, those willing to leave the invested amounts for a longer period can find more profitable options.
This does not mean, however, that your investments for short and medium term goals are not valid. It just means that you need to consider other factors when choosing your assets, such as the redemption period, liquidity and risk, and not just the yield. In the world of investments, there is no “investment of the moment”, which will make you earn money fast – messages like this usually indicate scams, be aware!
These points must always be analyzed and considered so that your investment strategy is aligned with your objectives, with your profile, your monthly contribution capacity, and so that you have control of your investments.
Read too
Nubank boxes: everything you need to know
Nu Reserva Immediata: get to know Nubank’s fixed income fund
Transfer to Boxes: how the button that appears in the Save Money function works
Important legal notices for you
Your money, your way: this communication is material and not an investment recommendation. We know that nobody takes care of your money better than you. The final decision to invest will always be yours, taking into account your objectives and tolerance for different levels of risk. The Nubank app brings investment solutions offered by Nu Invest and Nu DTVM and it is important for you to know your investor profile to find out if the product is in line with your profile or if you agree with the misalignment. If you want to learn more regarding this product and learn more regarding the risks, see the technical stuffa blade and regulation. Read the regulation before investing. The goals presented do not constitute a guarantee of future results. For complete information on profitability consult the Material Comercial.
NU RESERVA IMMEDIATA FICFI FIXED INCOME REFERENCED DI – “Fundo Nu Reserva Imediata” mainly invests its resources in the NU RESERVA IMMEDIATA MASTER FI FIXED INCOME REFERENCED DI (also managed by Nu Asset Management LTDA). Fundo Nu Reserva Imediata is distributed by NuInvest Corretora de Valores SA, registered with CNPJ/ME under No. 62.169.875/0001-79 (“NuInvest”), and by Nu DTVM Ltda., registered with CNPJ/ME under No. 39.544. 456/0001-58 (“Nu DTVM”).
NuInvest’s customer funds are kept in their registration accounts, which are not to be confused with payment accounts and are used exclusively to record each customer’s operations. These funds are not subject to the same rules as funds held in payment accounts.
Learn more regarding the differences between registration accounts and payout accounts here. Any order transmission by digital means is subject to interruptions or delays, which may prevent or impair the sending of orders or the receipt of updated information.
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