Investment Anniversaries and Savings Accounts

Giovana explains the concept of investment anniversaries, focusing on the Poupança savings account. She highlights the importance of knowing the deposit date to maximize earnings, as withdrawing before the anniversary date results in losing interest for that month. The video also compares old and new Poupança rules, emphasizing the need to align investments with personal financial goals. Viewers are encouraged to explore other investment options.

What is the main topic discussed in the introduction of the video?

• Different types of investments

• The concept of investment anniversaries

• How to save money effectively

• The history of banking in Brazil

What happens if you withdraw money from your savings account before the investment anniversary?

• You gain extra interest

• You lose all the interest for that month

• You get a penalty fee

• Nothing happens

On which day does the interest get added if you deposit money on the 5th of a month?

• Every 15th of the month

• Every 10th of the month

• Every 5th of the month

• Every 1st of the month

If you deposit money on the 29th, 30th, or 31st, when does the investment anniversary occur?

• On the 30th of the next month

• On the 1st of the next month

• On the 15th of the next month

• On the 29th of the next month

What is the impact of withdrawing money from your savings account every month before the anniversary?

• You will be charged a fee

• You will never receive any interest

• You will receive interest every month

• You will receive a bonus

How does the bank handle withdrawals to avoid penalizing the customer?

• By not allowing withdrawals

• By using the balance farthest from its anniversary

• By using the balance closest to its anniversary

• By charging a fee

What was the fixed annual return rate for the old savings account rules?

• 5%

• 4%

• 7%

• 6%

What additional rate is added to the old savings account interest?

• Discount rate

• TR rate

• LIBOR rate

• Prime rate

What happens to the interest rate of new savings accounts when the Selic rate is below 8.5%?

• It remains the same

• It increases

• It becomes zero

• It decreases to 0.7 times the Selic rate

What should you consider when evaluating if a savings account is right for you?

• The bank's advertising

• The bank's location

• The color of the bank's logo

• Your investment goals and profile