Meilleure citation de CDB: O Guia para ser o Credor do Banco e Lucrar com a Selic
Ao investir em um CDB, você inverteu a lógica do sistema bancário e virou o banco do banco. É basicamente um contrato de empréstimo onde a instituição financeira é quem está te devendo.
Cette leçon audio a été créée par un membre de la communauté BeFreed
Ensine sobre CDBs
Foire aux questions
Como Lena e Miles explicam, investir em um Certificado de Depósito Bancário (CDB) inverte a lógica tradicional do sistema financeiro. Em vez de pagar juros ao banco, você assina um contrato de empréstimo onde o banco passa a te dever. O banco utiliza o seu capital para financiar operações diversas, como empréstimos de veículos ou financiamento de empresas, e em troca paga a você uma remuneração pelo uso desse dinheiro.
Com a taxa Selic atingindo o patamar de 14,75% ao ano em junho de 2026, o papel de credor do banco torna-se extremamente lucrativo. Miles destaca que esse cenário de juros altos favorece diretamente a renda fixa, permitindo que o investidor receba uma parcela significativa do lucro das operações bancárias. É uma oportunidade estratégica para quem busca rentabilidade sólida através de títulos de dívida bancária.
A rentabilidade varia conforme a instituição financeira e a necessidade de captação de recursos. Lena aponta que, enquanto grandes bancos podem oferecer apenas 85% do CDI, instituições menores chegam a oferecer até 140% do CDI para o mesmo tipo de produto. Essa discrepância brutal de taxas mostra a importância de pesquisar e comparar as opções para maximizar os ganhos no mercado de renda fixa.
Découvrir plus
Guia Prático da Resolução CVM 179
Este guia é essencial para profissionais do mercado financeiro que precisam se adaptar às novas exigências de transparência da CVM. Ele beneficia gestores e consultores que buscam evitar sanções e fortalecer a confiança dos investidores.
Do Trade ao Business: O Guia do Fundador
Este guia é essencial para empreendedores que desejam parar de apagar incêndios e começar a construir uma empresa real. Ele beneficia fundadores que buscam transformar operações manuais em sistemas escaláveis, lucrativos e independentes.
Aprender trading y ganar dinero: guía básica
Esta guía es fundamental para quienes buscan libertad financiera a través del mercado de valores de forma estructurada. Es ideal tanto para principiantes como para inversores intermedios que desean profesionalizar su operativa con una base sólida en análisis y psicología.
Sistemas em Ruptura: Ouro e Subprime
Este plano é essencial para entender como as grandes crises moldaram o sistema financeiro moderno. É ideal para estudantes de economia, investidores e profissionais que buscam compreender a evolução do dólar e as lições da crise do subprime.
Bâtir son avenir financier
Ce parcours est essentiel pour quiconque souhaite reprendre le contrôle de ses finances et faire fructifier son patrimoine. Il s'adresse aux débutants et aux épargnants souhaitant structurer leur approche grâce à une méthode éprouvée et optimisée fiscalement.
Estudar Cibersegurança e CTI: Livros em PT-BR
In an era of increasing digital threats, mastering CTI and defensive fundamentals is essential for protecting organizational assets. This guide is designed for Portuguese-speaking students and IT professionals looking to transition into cybersecurity through structured, high-quality literature.
Desbloquear escassez e conquistar liberdade
Este plano de aprendizado é essencial para quem se sente preso em ciclos de escassez financeira e deseja transformar fundamentalmente sua relação com o dinheiro. Ideal para profissionais e empreendedores que querem sair da mentalidade de sobrevivência financeira e construir riqueza sustentável através de mindset avançado, estratégias práticas de investimento e sistemas automatizados de geração de renda.
Finance, Investing & Self-Improvement Guide
This guide is essential for anyone looking to bridge the gap between basic saving and sophisticated wealth creation. It is designed for individuals who want to master both the technical mechanics of investing and the psychological frameworks required for long-term financial success.
Cree par des anciens de Columbia University a San Francisco
"Instead of endless scrolling, I just hit play on BeFreed. It saves me so much time."
"I never knew where to start with nonfiction—BeFreed’s book lists turned into podcasts gave me a clear path."
"Perfect balance between learning and entertainment. Finished ‘Thinking, Fast and Slow’ on my commute this week."
"Crazy how much I learned while walking the dog. BeFreed = small habits → big gains."
"Reading used to feel like a chore. Now it’s just part of my lifestyle."
"Feels effortless compared to reading. I’ve finished 6 books this month already."
"BeFreed turned my guilty doomscrolling into something that feels productive and inspiring."
"BeFreed turned my commute into learning time. 20-min podcasts are perfect for finishing books I never had time for."
"BeFreed replaced my podcast queue. Imagine Spotify for books — that’s it. 🙌"
"It is great for me to learn something from the book without reading it."
"The themed book list podcasts help me connect ideas across authors—like a guided audio journey."
"Makes me feel smarter every time before going to work"
Cree par des anciens de Columbia University a San Francisco
"Instead of endless scrolling, I just hit play on BeFreed. It saves me so much time."
"I never knew where to start with nonfiction—BeFreed’s book lists turned into podcasts gave me a clear path."
"Perfect balance between learning and entertainment. Finished ‘Thinking, Fast and Slow’ on my commute this week."
"Crazy how much I learned while walking the dog. BeFreed = small habits → big gains."
"Reading used to feel like a chore. Now it’s just part of my lifestyle."
"Feels effortless compared to reading. I’ve finished 6 books this month already."
"BeFreed turned my guilty doomscrolling into something that feels productive and inspiring."
"BeFreed turned my commute into learning time. 20-min podcasts are perfect for finishing books I never had time for."
"BeFreed replaced my podcast queue. Imagine Spotify for books — that’s it. 🙌"
"It is great for me to learn something from the book without reading it."
"The themed book list podcasts help me connect ideas across authors—like a guided audio journey."
"Makes me feel smarter every time before going to work"
"Instead of endless scrolling, I just hit play on BeFreed. It saves me so much time."
"I never knew where to start with nonfiction—BeFreed’s book lists turned into podcasts gave me a clear path."
"Perfect balance between learning and entertainment. Finished ‘Thinking, Fast and Slow’ on my commute this week."
"Crazy how much I learned while walking the dog. BeFreed = small habits → big gains."
"Reading used to feel like a chore. Now it’s just part of my lifestyle."
"Feels effortless compared to reading. I’ve finished 6 books this month already."
"BeFreed turned my guilty doomscrolling into something that feels productive and inspiring."
"BeFreed turned my commute into learning time. 20-min podcasts are perfect for finishing books I never had time for."
"BeFreed replaced my podcast queue. Imagine Spotify for books — that’s it. 🙌"
"It is great for me to learn something from the book without reading it."
"The themed book list podcasts help me connect ideas across authors—like a guided audio journey."
"Makes me feel smarter every time before going to work"
"Instead of endless scrolling, I just hit play on BeFreed. It saves me so much time."
"I never knew where to start with nonfiction—BeFreed’s book lists turned into podcasts gave me a clear path."
"Perfect balance between learning and entertainment. Finished ‘Thinking, Fast and Slow’ on my commute this week."
"Crazy how much I learned while walking the dog. BeFreed = small habits → big gains."
"Reading used to feel like a chore. Now it’s just part of my lifestyle."
"Feels effortless compared to reading. I’ve finished 6 books this month already."
"BeFreed turned my guilty doomscrolling into something that feels productive and inspiring."
"BeFreed turned my commute into learning time. 20-min podcasts are perfect for finishing books I never had time for."
"BeFreed replaced my podcast queue. Imagine Spotify for books — that’s it. 🙌"
"It is great for me to learn something from the book without reading it."
"The themed book list podcasts help me connect ideas across authors—like a guided audio journey."
"Makes me feel smarter every time before going to work"
