Where to invest $ 300 a month to earn more?

<img alt = "InfoMoney said he was starting to save a portion of his salary and could save $ 300 a month, and he and he would like to know how and where to invest that money.

In this case, the best application would be Treasury Selic, Treasury Direct. Indeed, it allows low value applications (it is already possible to invest about R $ 100) and offers a return based on the base interest rate, the Selic

"The direct Treasury is a very product The investor could start with the Selic Treasury, which is more conservative, has no volatility, that is to say it is not likely to lose some of the money invested, "says the advisor in investment Jorge Luis Prado of Sal Investimentos.

Even with the perception of the income tax, the income of this title is better than that of saving. If you opt for savings, well that you can also withdraw at any time, the income is credited only after 30 days of deposit.

If a fund is chosen in a large bank, the investor will obtain a return between 70% and 80% of the CDI, since it will be withdrawn on the 29th day. For example, the investor will not receive any income related to this period. the administration costs are very high for those who apply small amounts. "The small investor will not have access to a good fund," says Prado.

Become a member for a few months

After accumulating a slightly higher amount in Treasury Direct, the investor may choose another.

With R $ 5,000, for example, he will have access to the CDB (Certificate of Deposit Bank), which pays more than 110% of the CDI on the platform of XP Investimentos –

So, he can put the accumulated money into more profitable applications and continue to invest the $ 300 a month in Selic's treasure, until he joins a little more.

] "It has CDB, LCI (Real Estate Credit Letter) and even multi-market funds. To invest in the direct treasury, the ideal is to opt for fresh free institutions management – brokerage firms such as XP Investments Rico and Clear have elected to exempt customers from these charges.

In addition to fees that may be charged by the financial institution, another 0.3% rate is applied by the B3 each year to Treasury Direct investors – In this case, there is no way to be exempt. [19659003] CBDs, LCIs and LCAs that offer the best returns are also in the brokerage houses.In the larger banks, returns are generally much lower.