A safe option is shown like Treasury Direct An effective strategy for those who want to build a strong financial future. If you start investing $ 3,000 per month in the Direct, how much amount can you accumulate up to 60? The answer varies according to the time of the investor’s repetition of investment, because strength Compound It makes the value grow greatly over the years. with The current SELIC rate for 14,25 %We simulate the result of a monthly investment between 3000, 20, 30 and 40 years, which indicates the importance of starting early to enjoy the benefits of this type of investment better.
What is a direct cabinet?
S. Cabinet It is a federal government program that provides government bonds as a form of investment. These securities are associated with a SELIC rate or inflation, depending on the type of address chosen. Treasury Direct is one of the safest investments in Brazil, as it is included in the national treasury, making it an excellent alternative for those looking for stability.
Given the current SELIC rate of 14.25 % annually and the fact that the direct cabinet provides profitable securities near Seleic, we can calculate a simulation for the amount that it can accumulate by investing $ 3000 per month along different age groups.
Starting 20 years old
If you start investing $ 3,000 per month at 20 years, up to 60 years, that is, for 40 years, the effect of complex interest will be great. With SELIC by 14.25 % annually, the monthly investment of $ 3,000 will turn into about R $ 6.053.707,00 At the end of 40 years. This is due to the fact that over time, the money invested on the previous income is caused, which significantly increases the total amount invested.
In 30
For those who start investing at the age of 30, 30 years to 60 years, it still allows significant growth, but with a shorter accumulated value due to shorter investment time. In this case, by investing $ 3,000 per month at the same rate of 14.25 % annually, the accumulated amount will be at the end of 30 years around R $ 2.492.693,00.
In 40
Finally, for those who start from 40 years, the investment time decreases to 20 years, which greatly affects the final value. With an investment of $ 3000 a month and a profitable of 14.25 % per year, the accumulated amount will be at approximately 60 years R $ 1.240.522,00.
The importance of time in investment
Simulation clearly reveals the importance of starting investment as soon as possible. The more you invest in the direct treasury, the more it benefits from the effect of complex interest. Even with a fixed value per month, the difference between starting 20, 30 or 40 years is huge, and this reflects directly on the amount you will get in the end.
In addition, it is important to remember that the profitability of the direct treasury may vary over time, as it is associated with the SELIC rate, which may change according to the country’s economic policies. However, the direct cabinet is still a low -risk option, which is ideal for those looking for stability and long -term growth.
