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This week I heard a curious account: For the second time a person was borrowing money with interest, having the necessary money in his bank account. That’s right, you didn’t read it wrong. The reason? Her health insurance wins tomorrow, but her money, already reserved for this expense, will only be available for rescue in two weeks. That is, she has money, but has no immediate access to him.
This is a common mistake among beginner investors: to apply resources without considering the liquidity (access to money). In her case, if she had opted for a daily/immediate liquidity investment, such as a CDB suitable for her profile, she would have the money available when she needed it, without having to resort to third parties (loans).
What is a CDB and how does liquidity work?
O Bank Deposit Certificate (CDB) It is a fixed income investment where you lend money to a bank and, in return, receive interest on this amount. It is a widely used alternative for those seeking greater profitability than that of savings, e assuming exactly the same risk. That’s right, both a CDB and the savings account, no matter which financial institution is, both have the guarantee of FGC-Fundo credit guarantee. So, it is wrong to think that savings are safer (has a lower risk of loss).
However, Every CDB has a maturity deadline e An essential feature called liquidity. Liquidity indicates the ease and time you take to redeem your money. There are three main types:
- Daily or immediate liquidity: You can redeem money at any time without losing yield.
- Liquidity in maturity: Money is only available on the final date of the investment.
- Scheduled liquidity: Allows withdrawals on specific dates.
Record in your mind. Every CDB has a maturity date, what you need to pay attention to is his liquidity deadline.
In the case of this person, she has applied the money on a daily liquidity CDB, which means that the amount will only be accessible on maturity (in this case, in two weeks after her health plan expires), even if she needs it before. To avoid this type of situation, the ideal is always to align investments with the needs of everyday life.
For this error she must pay a much higher interest rates than the value would yield in these two weeks.
How to avoid this error?
If you need quick access to your money for fixed expenses, such as monthly accounts, the ideal is to keep part of your capital in a daily liquidity investment. This can be done with proper CDB, fixed income funds with immediate rescue or even Selic Treasury.
Learning here is clear: It is not enough just to invest, it is necessary to invest with strategy. Financial knowledge not only increases your profitability, but also prevents you from paying dearly for a planning error. After all, no one wants to borrow money to pay a ticket when you already have the money – only in the wrong place! Took this dose?!
