{"id":42839,"date":"2024-06-06T11:58:41","date_gmt":"2024-06-06T14:58:41","guid":{"rendered":"https:\/\/borainvestir.b3.com.br\/?post_type=web-story&#038;p=42839"},"modified":"2024-06-06T12:19:03","modified_gmt":"2024-06-06T15:19:03","slug":"qual-a-diferenca-entre-tesouro-selic-e-poupanca","status":"publish","type":"web-story","link":"https:\/\/borainvestir.b3.com.br\/web-stories\/qual-a-diferenca-entre-tesouro-selic-e-poupanca\/","title":{"rendered":"Qual a diferen\u00e7a entre Tesouro Selic e poupan\u00e7a?"},"content":{"rendered":"<p><html amp=\"\" lang=\"en\"><head><meta charSet=\"utf-8\"\/><meta name=\"viewport\" content=\"width=device-width,minimum-scale=1,initial-scale=1\"\/><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0.js\"><\/script><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0\/amp-story-1.0.js\" custom-element=\"amp-story\"><\/script><link href=\"https:\/\/fonts.googleapis.com\/css2?display=swap&amp;family=Montserrat%3Awght%40400%3B700\" 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margin-bottom: 16px;\n                text-align: center;\n              }\n              <\/style>\n<p><meta name=\"web-stories-replace-head-start\"\/><title>Qual a diferen\u00e7a entre Tesouro Selic e poupan\u00e7a?<\/title><link rel=\"canonical\" href=\"https:\/\/borainvestir.b3.com.br\/?post_type=web-story&#038;p=42839\/\"\/><meta name=\"web-stories-replace-head-end\"\/><\/head><body><amp-story standalone=\"\" publisher=\"Bora Investir\" publisher-logo-src=\"https:\/\/borainvestir.b3.com.br\/app\/uploads\/2023\/11\/cropped-B3_Logo_Azul-3-1.png\" title=\"Qual a diferen\u00e7a entre Tesouro Selic e poupan\u00e7a?\" poster-portrait-src=\"https:\/\/cdn.borainvestir.b3.com.br\/2024\/06\/06115229\/cropped-dinheiro-3.jpg\"><amp-story-page id=\"b816c9ce-ce72-49d3-88a0-af4e124e4f83\" auto-advance-after=\"12s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#b9a184\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-b30b1be1-bcfb-4f79-bc73-76272c4a8530\">\n<div style=\"position:absolute;width:266.74194%;height:100%;left:-0.03181%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2024\/01\/24143459\/dinheiro-3.jpg\" alt=\"dinheiro\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2024\/01\/24143459\/dinheiro-3.jpg 1772w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/01\/24143459\/dinheiro-3-1620x1080.jpg 1620w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/01\/24143459\/dinheiro-3.jpg 1024w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/01\/24143459\/dinheiro-3-768x512.jpg 768w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/01\/24143459\/dinheiro-3-300x200.jpg 300w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/01\/24143459\/dinheiro-3-150x100.jpg 150w\" sizes=\"(min-width: 1024px) 47vh, 104vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:7.03883%;top:66.50485%;width:86.16505%;height:33.49515%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.633802816901409% 5.633802816901409% 5.633802816901409% 5.633802816901409% \/ 9.66183574879227% 9.66183574879227% 9.66183574879227% 9.66183574879227%\" class=\"mask\" id=\"el-e0996bd0-22e6-4aaf-bef4-597310a25db4\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:13.34951%;top:71.52104%;width:47.08738%;height:7.11974%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-d11bf113-4da4-40b6-a515-7a24c57058d8\">\n<div style=\"position:absolute;width:100%;height:101.56444%;left:0%;top:-0.78222%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png\" alt=\"logo_bora_investir\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png 738w,https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3-300x69.png 300w\" sizes=\"(min-width: 1024px) 21vh, 47vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:6.79612%;top:61.32686%;width:15.7767%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-7b07aef6-0587-49bd-abfc-aa96067a6bf8\">\n<div class=\"fill\" style=\"background-color:#ffab00;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:13.34951%;top:81.87702%;width:59.70874%;height:13.91586%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.8130081300813009% 0.8130081300813009% 0.8130081300813009% 0.8130081300813009% \/ 2.3255813953488373% 2.3255813953488373% 2.3255813953488373% 2.3255813953488373%\" id=\"el-bc66592e-5d07-4730-b238-9e4f26e97f05\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.14146341463414663% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.388350em;line-height:1.19;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">Qual a diferen\u00e7a entre Tesouro Selic e poupan\u00e7a?<\/span><\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"3bdc6046-eb6a-485d-87a5-87cf8ea01d57\" auto-advance-after=\"12s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-93e6c559-8f80-4cdd-a406-74116654abec [data-leaf-element=\\\"true\\\"]\",\"keyframes\":{\"transform\":[\"translate3d(0, 20.91346153846154%, 0)\",\"translate3d(0, 0%, 0)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(.3,0,.55,1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#c4c0be\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div id=\"anim-93e6c559-8f80-4cdd-a406-74116654abec\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-032a4858-2856-481e-8a3e-83b91fa0e297\">\n<div style=\"position:absolute;width:231.11111%;height:130%;left:-92.22222%;top:-27.1875%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2024\/06\/06115815\/Cofrinho.jpg\" alt=\"Cofrinho\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2024\/06\/06115815\/Cofrinho.jpg 822w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/06\/06115815\/Cofrinho-768x768.jpg 768w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/06\/06115815\/Cofrinho-300x300.jpg 300w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/06\/06115815\/Cofrinho-150x150.jpg 150w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/06\/06115815\/Cofrinho-96x96.jpg 96w\" sizes=\"(min-width: 1024px) 59vh, 130vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:52.75081%;width:15.7767%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-d308420b-4a01-408a-9770-c5599baef854\">\n<div class=\"fill\" style=\"background-color:#ffab00;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:57.44337%;width:85.43689%;height:42.55663%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.681818181818182% 5.681818181818182% 5.681818181818182% 5.681818181818182% \/ 7.604562737642586% 7.604562737642586% 7.604562737642586% 7.604562737642586%\" class=\"mask\" id=\"el-bf93987c-43f9-42ea-8d59-829c8fa57ade\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:66.50485%;top:94.66019%;width:21.84466%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-3b7d736d-da55-4b73-a7c6-d0f94234bc0e\">\n<div style=\"position:absolute;width:100%;height:103.65841%;left:0%;top:-1.8292%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png\" alt=\"logo_bora_investir\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png 738w,https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3-300x69.png 300w\" sizes=\"(min-width: 1024px) 10vh, 22vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:62.29773%;width:75.48544%;height:29.12621%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-37fd7f5a-2585-44cc-9363-d2b58387656e\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.26045016077170374% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">A poupan\u00e7a ainda \u00e9 o destino da maior parte do dinheiro guardado pelos brasileiros. Mas muitos j\u00e1 ouviram que a poupan\u00e7a n\u00e3o \u00e9 um dos melhores investimentos para se fazer.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"45db997d-ddc0-4b10-9ea8-9428f4439fec\" auto-advance-after=\"12s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-0be8f75c-a6a0-4fbc-9786-89fac46403a7 [data-leaf-element=\\\"true\\\"]\",\"keyframes\":{\"transform\":[\"translate3d(-34.179687404002955%, 0, 0)\",\"translate3d(0%, 0, 0)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(.3,0,.55,1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#b9aea0\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div id=\"anim-0be8f75c-a6a0-4fbc-9786-89fac46403a7\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-175ba8bd-fb49-4afe-9e89-b519158b141b\">\n<div style=\"position:absolute;width:316.04939%;height:100%;left:-108.02469%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2024\/05\/27163435\/confira-funcionamento-bolsa-feriado-30-maio-corpus-christi.webp\" alt=\"Fachada da B3.\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2024\/05\/27163435\/confira-funcionamento-bolsa-feriado-30-maio-corpus-christi.webp 1200w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/05\/27163435\/confira-funcionamento-bolsa-feriado-30-maio-corpus-christi-768x432.webp 768w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/05\/27163435\/confira-funcionamento-bolsa-feriado-30-maio-corpus-christi-300x169.webp 300w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/05\/27163435\/confira-funcionamento-bolsa-feriado-30-maio-corpus-christi-150x84.webp 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:57.11974%;width:15.7767%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-3f4f13bb-a8b6-4ba9-9b89-467ee9eef19e\">\n<div class=\"fill\" style=\"background-color:#ffab00;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:61.8123%;width:85.43689%;height:38.02589%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.681818181818182% 5.681818181818182% 5.681818181818182% 5.681818181818182% \/ 8.51063829787234% 8.51063829787234% 8.51063829787234% 8.51063829787234%\" class=\"mask\" id=\"el-4baeb0fe-11f1-41cc-8fa4-ca7767c9d5a7\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:66.66667%;width:76.69903%;height:24.91909%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-ec376137-35a2-480a-a50d-c23662f7f6d0\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.2563291139240502% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">O Bora Investir comparou a rentabilidade, liquidez e a seguran\u00e7a da poupan\u00e7a e do Tesouro Selic, um t\u00edtulo p\u00fablico que tem caracter\u00edsticas similares \u00e0 caderneta.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:66.50485%;top:94.82201%;width:21.84466%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-b8864ccb-26c1-4b5d-ad0e-559bb65fcad0\">\n<div style=\"position:absolute;width:100%;height:103.65841%;left:0%;top:-1.8292%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png\" alt=\"logo_bora_investir\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png 738w,https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3-300x69.png 300w\" sizes=\"(min-width: 1024px) 10vh, 22vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"84f0ad44-688b-4393-a2fc-3670a4edd9fe\" auto-advance-after=\"12s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-ea14e415-3cd2-4e9d-a081-fb3779762360 [data-leaf-element=\\\"true\\\"]\",\"keyframes\":{\"transform\":[\"translate(-19.928571484542807%, 0%) scale(1.5)\",\"translate(0%, 0%) scale(1)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(.3,0,.55,1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#44606a\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div id=\"anim-ea14e415-3cd2-4e9d-a081-fb3779762360\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-70281497-f92a-4cc3-b2f8-2e0c11cb8298\">\n<div style=\"position:absolute;width:316.04939%;height:100%;left:-194.13581%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/03\/09100520\/onde-investir-1000.jpg\" alt=\"Reais. Foto: Pixabay\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/03\/09100520\/onde-investir-1000.jpg 960w,https:\/\/cdn.borainvestir.b3.com.br\/2023\/03\/09100520\/onde-investir-1000-768x432.jpg 768w,https:\/\/cdn.borainvestir.b3.com.br\/2023\/03\/09100520\/onde-investir-1000-300x169.jpg 300w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:44.33657%;width:15.7767%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-e1508129-ffb6-43e8-a674-57ff642c05f4\">\n<div class=\"fill\" style=\"background-color:#ffab00;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:49.02913%;width:85.43689%;height:41.90939%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.681818181818182% 5.681818181818182% 5.681818181818182% 5.681818181818182% \/ 7.722007722007722% 7.722007722007722% 7.722007722007722% 7.722007722007722%\" class=\"mask\" id=\"el-dcb4eb41-bc62-454c-b865-e344f0dd495f\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:66.50485%;top:85.27508%;width:21.84466%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-529f2fba-9d7f-42b8-9dc7-88785f6c4f95\">\n<div style=\"position:absolute;width:100%;height:103.65841%;left:0%;top:-1.8292%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png\" alt=\"logo_bora_investir\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png 738w,https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3-300x69.png 300w\" sizes=\"(min-width: 1024px) 10vh, 22vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:92.55663%;width:85.43689%;height:7.28155%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.681818181818182% 5.681818181818182% 5.681818181818182% 5.681818181818182% \/ 44.44444444444444% 44.44444444444444% 44.44444444444444% 44.44444444444444%\" class=\"mask\" id=\"el-fd0396c1-6791-46c7-a29f-0218151c6408\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:14.32039%;top:94.17476%;width:71.35922%;height:4.04531%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-4077a780-d30e-4f56-8db6-c7b1e49ef1df\"><a href=\"https:\/\/borainvestir.b3.com.br\/tipos-de-investimentos\/renda-fixa\/quais-investimentos-sao-protegidos-pelo-fgc\/\" data-tooltip-icon=\"https:\/\/cdn.borainvestir.b3.com.br\/2022\/09\/13144305\/fgc-fundo-garantidor-de-credito-protecao-para-seus-investimentos.jpeg\" data-tooltip-text=\"Quais investimentos s\u00e3o protegidos pelo FGC? | B\u00b3\" target=\"_blank\" rel=\"noreferrer noopener\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\"><\/p>\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.27551020408163224% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:center;padding:0;color:#000000\"><span><span style=\"font-weight: 700; text-decoration: underline; color: #fff\">Saiba mais sobre o FGC<\/span><\/span><\/p>\n<p><\/a><\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:53.8835%;width:76.69903%;height:4.04531%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-cda3c09b-dab2-4627-a2b7-1a92cbde4505\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.2563291139240502% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">Seguran\u00e7a<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:61.16505%;width:76.69903%;height:20.87379%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-4ab456d3-48ed-49a3-b8c1-d000ebebd523\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.2563291139240502% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">Os dep\u00f3sitos em poupan\u00e7a s\u00e3o cobertos pelo Fundo Garantidor de Cr\u00e9dito (FGC), no limite de at\u00e9 R$ 250 mil por CPF e por institui\u00e7\u00e3o banc\u00e1ria.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"06d61cbc-52c5-4066-bca5-ddafdc371373\" auto-advance-after=\"12s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-2bd20ae9-2896-4a9a-af10-1a303d36e618 [data-leaf-element=\\\"true\\\"]\",\"keyframes\":{\"transform\":[\"translate(0%, 0%) scale(1.5)\",\"translate(0%, 0%) scale(1)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(.3,0,.55,1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#a49177\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div id=\"anim-2bd20ae9-2896-4a9a-af10-1a303d36e618\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-1c43f69f-338b-4935-9630-3cd55c1f5cd7\">\n<div style=\"position:absolute;width:237.03704%;height:100%;left:-68.51852%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2024\/05\/15154018\/poupanca-tesouro-selic-diferenca.webp\" alt=\"C\u00e9dulas de real\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2024\/05\/15154018\/poupanca-tesouro-selic-diferenca.webp 1024w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/05\/15154018\/poupanca-tesouro-selic-diferenca-768x576.webp 768w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/05\/15154018\/poupanca-tesouro-selic-diferenca-300x225.webp 300w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/05\/15154018\/poupanca-tesouro-selic-diferenca-150x113.webp 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:52.91262%;width:15.7767%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-7536bf22-c259-4e4c-a2af-35fd6818b3d1\">\n<div class=\"fill\" style=\"background-color:#ffab00;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:57.60518%;width:85.43689%;height:42.55663%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.681818181818182% 5.681818181818182% 5.681818181818182% 5.681818181818182% \/ 7.604562737642586% 7.604562737642586% 7.604562737642586% 7.604562737642586%\" class=\"mask\" id=\"el-233d508e-c5b3-4ffe-b678-5de69b36e031\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:62.45955%;width:76.69903%;height:29.12621%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-f579ecb9-05fb-4db9-bf33-4439610abf2a\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.2563291139240502% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">Por outro lado, o Tesouro Selic \u00e9 um t\u00edtulo emitido pelo governo e tem a garantia do Tesouro Nacional. Por isso, \u00e9 considerado o investimento mais seguro da economia brasileira.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:66.50485%;top:94.82201%;width:21.84466%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-6d2bbf71-2dd3-4c8d-bf5d-3e5bcd1ecb2b\">\n<div style=\"position:absolute;width:100%;height:103.65841%;left:0%;top:-1.8292%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png\" alt=\"logo_bora_investir\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png 738w,https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3-300x69.png 300w\" sizes=\"(min-width: 1024px) 10vh, 22vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"6786db8e-1afa-40dd-9222-95df74b781f9\" auto-advance-after=\"12s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#211b19\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-caf3bd98-b228-45fd-9512-b882cc421689\">\n<div style=\"position:absolute;width:137.41342%;height:116%;left:-19.26227%;top:-15.875%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2024\/05\/22134329\/Mulher-olhando-celular.jpg\" alt=\"Mulher olhando celular\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2024\/05\/22134329\/Mulher-olhando-celular.jpg 673w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/05\/22134329\/Mulher-olhando-celular-200x300.jpg 200w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/05\/22134329\/Mulher-olhando-celular-150x225.jpg 150w\" sizes=\"(min-width: 1024px) 52vh, 116vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:44.82201%;width:15.7767%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-093cda95-7931-4cca-b15e-99312b19e915\">\n<div class=\"fill\" style=\"background-color:#ffab00;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:49.51456%;width:85.43689%;height:50.32362%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.681818181818182% 5.681818181818182% 5.681818181818182% 5.681818181818182% \/ 6.430868167202572% 6.430868167202572% 6.430868167202572% 6.430868167202572%\" class=\"mask\" id=\"el-cdf69b7c-03c8-47c8-a892-6abdf1595779\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:54.36893%;width:76.69903%;height:4.04531%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-15f5432a-0fd7-4278-9c33-12adb92abd07\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.2563291139240502% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">Liquidez<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:66.50485%;top:94.17476%;width:21.84466%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-19494536-9c3f-424f-9e8f-122628fdd038\">\n<div style=\"position:absolute;width:100%;height:103.65841%;left:0%;top:-1.8292%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png\" alt=\"logo_bora_investir\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png 738w,https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3-300x69.png 300w\" sizes=\"(min-width: 1024px) 10vh, 22vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:61.65049%;width:76.69903%;height:29.12621%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-081b8c1d-c4ad-42dd-bdce-1249524abde4\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.2563291139240502% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">Na poupan\u00e7a, \u00e9 poss\u00edvel realizar saques a qualquer momento, inclusive aos finais de semana. J\u00e1 no Tesouro Direto, os resgates podem ser feitos apenas em hor\u00e1rio comercial.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"aa5b397e-6793-4a0b-8bb9-0fa00aaa32c8\" auto-advance-after=\"12s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-31732055-0bc3-4546-b9a6-0272f651e5b2 [data-leaf-element=\\\"true\\\"]\",\"keyframes\":{\"transform\":[\"translate3d(15.898437404002955%, 0, 0)\",\"translate3d(0%, 0, 0)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(.3,0,.55,1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#ccc8ca\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div id=\"anim-31732055-0bc3-4546-b9a6-0272f651e5b2\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-aa2ec1ca-b9ac-4def-89e7-43208c7c3080\">\n<div style=\"position:absolute;width:316.04939%;height:100%;left:-50.24691%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/07\/28124510\/o-que-preciso-saber-antes-de-fazer-um-consorcio.jpeg\" alt=\"C\u00e9dulas. Foto: Adobe Stock\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/07\/28124510\/o-que-preciso-saber-antes-de-fazer-um-consorcio.jpeg 960w,https:\/\/cdn.borainvestir.b3.com.br\/2023\/07\/28124510\/o-que-preciso-saber-antes-de-fazer-um-consorcio-768x432.jpeg 768w,https:\/\/cdn.borainvestir.b3.com.br\/2023\/07\/28124510\/o-que-preciso-saber-antes-de-fazer-um-consorcio-300x169.jpeg 300w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:41.74757%;width:15.7767%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-a65b0799-3977-43b2-9626-2ab0945d2c56\">\n<div class=\"fill\" style=\"background-color:#ffab00;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:46.44013%;width:85.43689%;height:53.55987%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.681818181818182% 5.681818181818182% 5.681818181818182% 5.681818181818182% \/ 6.042296072507553% 6.042296072507553% 6.042296072507553% 6.042296072507553%\" class=\"mask\" id=\"el-6f2bc271-32b3-4a73-a08b-a3fbbcad9c1e\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:51.2945%;width:76.69903%;height:4.04531%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-df22f25c-d0d1-470a-9bb8-1a1c182299be\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.2563291139240502% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">Imposto<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:66.50485%;top:95.14563%;width:21.84466%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-403f5de7-879a-466f-805b-508a29e8a2d4\">\n<div style=\"position:absolute;width:100%;height:103.65841%;left:0%;top:-1.8292%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png\" alt=\"logo_bora_investir\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png 738w,https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3-300x69.png 300w\" sizes=\"(min-width: 1024px) 10vh, 22vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:58.57605%;width:76.45631%;height:33.33333%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-cbda082a-8fc3-44ea-aa7b-6b701f3afaca\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.25714285714285673% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">A poupan\u00e7a tem a vantagem de ser isenta de imposto de renda. J\u00e1 os investimentos no Tesouro Direto s\u00e3o tribut\u00e1veis pela tabela regressiva, em que a al\u00edquota diminui conforme o tempo que o dinheiro fica aplicado.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"0b493641-7766-4dec-b4c6-1ab115d3acea\" auto-advance-after=\"12s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-a1a6bb6e-5758-486c-a3a2-ac2eda79ccac [data-leaf-element=\\\"true\\\"]\",\"keyframes\":{\"transform\":[\"translate3d(-31.249999886225726%, 0, 0) translate(-25%, 0%) scale(1.5)\",\"translate3d(0%, 0, 0) translate(0%, 0%) scale(1)\"]},\"delay\":0,\"duration\":2000,\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#19141c\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div id=\"anim-a1a6bb6e-5758-486c-a3a2-ac2eda79ccac\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-5401c944-c0b9-4e71-b3db-4201acce97dc\">\n<div style=\"position:absolute;width:266.66667%;height:100%;left:-83.33334%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2024\/05\/15120032\/Grafico-de-investimentos.jpg\" alt=\"Gr\u00e1fico de investimentos\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2024\/05\/15120032\/Grafico-de-investimentos.jpg 945w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/05\/15120032\/Grafico-de-investimentos-768x512.jpg 768w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/05\/15120032\/Grafico-de-investimentos-300x200.jpg 300w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/05\/15120032\/Grafico-de-investimentos-150x100.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:58.41424%;width:15.7767%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-aae921c1-c263-4284-89e5-26555443e269\">\n<div class=\"fill\" style=\"background-color:#ffab00;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:63.1068%;width:85.43689%;height:36.8932%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.681818181818182% 5.681818181818182% 5.681818181818182% 5.681818181818182% \/ 8.771929824561402% 8.771929824561402% 8.771929824561402% 8.771929824561402%\" class=\"mask\" id=\"el-e9dafe09-2fe7-4576-8ae6-2de71f83eeb9\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:67.96117%;width:76.69903%;height:8.09061%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-f2ab2972-cd06-45c1-b612-6acbe594aa0f\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.2563291139240502% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">Qual a diferen\u00e7a de rentabilidade?<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:66.50485%;top:94.82201%;width:21.84466%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-a0075ca3-08b5-45ba-9dde-79b45e55c947\">\n<div style=\"position:absolute;width:100%;height:103.65841%;left:0%;top:-1.8292%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png\" alt=\"logo_bora_investir\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png 738w,https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3-300x69.png 300w\" sizes=\"(min-width: 1024px) 10vh, 22vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:79.28803%;width:76.45631%;height:12.29773%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-1bcaaede-eba9-488f-b968-e33348277fdc\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.25714285714285673% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">O Tesouro Selic rende a taxa Selic diariamente, mais uma pequena taxa prefixada.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"b23e4703-91f1-4d63-ac8c-471caae2fd68\" auto-advance-after=\"12s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-577cbfdd-0df1-4380-9570-149a9a28e8e3 [data-leaf-element=\\\"true\\\"]\",\"keyframes\":{\"transform\":[\"translate(-9.128571454209919%, 0%) scale(1.5)\",\"translate(0%, 0%) scale(1)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(.3,0,.55,1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#347278\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div id=\"anim-577cbfdd-0df1-4380-9570-149a9a28e8e3\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-23d74538-1109-4a95-b391-9e765ecfe5e3\">\n<div style=\"position:absolute;width:316.04939%;height:100%;left:-147.46914%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2022\/07\/22173445\/seisdicasparaeconomizardinheiro-1.jpg\" alt=\"Porquinho com notas de 100 reais ao redor\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2022\/07\/22173445\/seisdicasparaeconomizardinheiro-1.jpg 960w,https:\/\/cdn.borainvestir.b3.com.br\/2022\/07\/22173445\/seisdicasparaeconomizardinheiro-1-768x432.jpg 768w,https:\/\/cdn.borainvestir.b3.com.br\/2022\/07\/22173445\/seisdicasparaeconomizardinheiro-1.jpg 600w,https:\/\/cdn.borainvestir.b3.com.br\/2022\/07\/22173445\/seisdicasparaeconomizardinheiro-1.jpg 338w,https:\/\/cdn.borainvestir.b3.com.br\/2022\/07\/22173445\/seisdicasparaeconomizardinheiro-1-300x169.jpg 300w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:58.41424%;width:15.7767%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-a98ce9b9-9377-4039-abe0-935bdc45fdd2\">\n<div class=\"fill\" style=\"background-color:#ffab00;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:63.1068%;width:85.43689%;height:36.8932%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.681818181818182% 5.681818181818182% 5.681818181818182% 5.681818181818182% \/ 8.771929824561402% 8.771929824561402% 8.771929824561402% 8.771929824561402%\" class=\"mask\" id=\"el-88819c19-c8c4-4479-93d3-86d25232a713\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:67.96117%;width:72.81553%;height:24.91909%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-f435ec9c-d0f4-44dc-88eb-1a0c137653eb\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.2699999999999996% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">J\u00e1 o rendimento da poupan\u00e7a segue outra regra. Quando a Selic est\u00e1 acima de 8,5% ao ano, a poupan\u00e7a paga uma taxa fixa de 0,5% ao m\u00eas, mais TR.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:66.50485%;top:94.82201%;width:21.84466%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-7ed06e5f-3275-454d-b3b0-5ed4def4da54\">\n<div style=\"position:absolute;width:100%;height:103.65841%;left:0%;top:-1.8292%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png\" alt=\"logo_bora_investir\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png 738w,https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3-300x69.png 300w\" sizes=\"(min-width: 1024px) 10vh, 22vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"4bb9b0c3-4a75-40fb-be2e-a86fa7508bfb\" auto-advance-after=\"12s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-aeded0ea-16ee-4263-aaa7-fc5883ebb937 [data-leaf-element=\\\"true\\\"]\",\"keyframes\":{\"transform\":[\"translate3d(48.283068665863226%, 0, 0)\",\"translate3d(0%, 0, 0)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(.3,0,.55,1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#2b3654\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div id=\"anim-aeded0ea-16ee-4263-aaa7-fc5883ebb937\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-d0c8d092-f272-4f22-a8f0-e68f86778fa7\">\n<div style=\"position:absolute;width:258.85979%;height:100%;left:-124.98545%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2024\/03\/22124753\/Grafico-de-investimentos-1.jpg\" alt=\"Gr\u00e1fico de investimentos\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2024\/03\/22124753\/Grafico-de-investimentos-1.jpg 945w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/03\/22124753\/Grafico-de-investimentos-1-768x527.jpg 768w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/03\/22124753\/Grafico-de-investimentos-1-300x206.jpg 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style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.681818181818182% 5.681818181818182% 5.681818181818182% 5.681818181818182% \/ 6.944444444444445% 6.944444444444445% 6.944444444444445% 6.944444444444445%\" class=\"mask\" id=\"el-4e4f5f13-54fb-4943-aa76-9eb17c320c8a\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:66.50485%;top:85.76052%;width:21.84466%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-9e77a2b3-640b-4b40-b219-ac80e93e408d\">\n<div style=\"position:absolute;width:100%;height:103.65841%;left:0%;top:-1.8292%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png\" alt=\"logo_bora_investir\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png 738w,https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3-300x69.png 300w\" sizes=\"(min-width: 1024px) 10vh, 22vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:92.55663%;width:85.43689%;height:7.28155%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.681818181818182% 5.681818181818182% 5.681818181818182% 5.681818181818182% \/ 44.44444444444444% 44.44444444444444% 44.44444444444444% 44.44444444444444%\" class=\"mask\" id=\"el-33e351c7-cbb8-4d0b-a21d-f61300ab3f73\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:14.32039%;top:94.17476%;width:71.35922%;height:4.04531%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-57a6caff-9453-4848-b4bb-46d10e78728a\"><a href=\"https:\/\/borainvestir.b3.com.br\/tipos-de-investimentos\/renda-fixa\/tesouro-direto\/tesouro-selic-x-poupanca-qual-a-diferenca-de-rentabilidade-no-longo-prazo\/\" data-tooltip-icon=\"https:\/\/cdn.borainvestir.b3.com.br\/2024\/05\/15154018\/poupanca-tesouro-selic-diferenca.webp\" data-tooltip-text=\"Tesouro Selic x poupan\u00e7a: qual a diferen\u00e7a de rentabilidade no longo prazo?\" target=\"_blank\" rel=\"noreferrer noopener\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\"><\/p>\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.27551020408163224% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:center;padding:0;color:#000000\"><span><span style=\"font-weight: 700; text-decoration: underline; color: #fff\">Leia a mat\u00e9ria completa<\/span><\/span><\/p>\n<p><\/a><\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:49.19094%;width:76.69903%;height:33.33333%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-9510e8d2-4542-4917-a2c5-e2b8fcd9d5c9\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.2563291139240502% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">Considerando uma aplica\u00e7\u00e3o inicial de R$ 1 mil, na poupan\u00e7a, o investidor teria R$ 1.364 depois de cinco anos. Aplicando o mesmo valor no Tesouro Direto, mesmo considerando a cobran\u00e7a do IR, o valor seria de R$ 1.463.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><\/amp-story><\/body><\/html><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Qual a diferen\u00e7a entre Tesouro Selic e poupan\u00e7a? Qual a diferen\u00e7a entre Tesouro Selic e poupan\u00e7a? A poupan\u00e7a ainda \u00e9 o destino da maior parte do dinheiro guardado pelos brasileiros. Mas muitos j\u00e1 ouviram que a poupan\u00e7a n\u00e3o \u00e9 um dos melhores investimentos para se fazer. O Bora Investir comparou a rentabilidade, liquidez e a [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":42860,"template":"","meta":{"_acf_changed":false,"web_stories_publisher_logo":31901,"web_stories_poster":[],"web_stories_products":[],"footnotes":""},"web_story_category":[],"web_story_tag":[1497,2090,1567,2091,1533,2092,1539,2084],"class_list":["post-42839","web-story","type-web-story","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v24.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Qual a diferen\u00e7a entre Tesouro Selic e poupan\u00e7a? | Bora Investir<\/title>\n<meta name=\"description\" content=\"Qual a diferen\u00e7a entre Tesouro Selic e poupan\u00e7a? Qual a diferen\u00e7a entre Tesouro Selic e poupan\u00e7a? A poupan\u00e7a ainda \u00e9 o destino da maior parte do dinheiro guardado pelos brasileiros. Mas muitos j\u00e1 ouviram que a poupan\u00e7a n\u00e3o \u00e9 um dos melhores investimentos para se fazer. O Bora Investir comparou a rentabilidade, liquidez e a [&hellip;]\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/borainvestir.b3.com.br\/web-stories\/qual-a-diferenca-entre-tesouro-selic-e-poupanca\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qual a diferen\u00e7a entre Tesouro Selic e poupan\u00e7a?\" \/>\n<meta property=\"og:description\" content=\"Qual a diferen\u00e7a entre Tesouro Selic e poupan\u00e7a? Qual a diferen\u00e7a entre Tesouro Selic e poupan\u00e7a? A poupan\u00e7a ainda \u00e9 o destino da maior parte do dinheiro guardado pelos brasileiros. Mas muitos j\u00e1 ouviram que a poupan\u00e7a n\u00e3o \u00e9 um dos melhores investimentos para se fazer. 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