When it comes to making money online with secure investments, few options stand out as much as fixed-income securities with daily liquidity. And right now, one of the best opportunities in the Brazilian market is the Banco BV CDB paying 120% of the CDI. This is an extremely attractive option for anyone looking to combine profitability, liquidity, and security in their investment portfolio.
What Is a CDB with Daily Liquidity?
A CDB (Certificado de Depósito Bancário) is a fixed-income security issued by banks to raise funds. In exchange, investors receive interest based on an index such as the CDI (Certificado de Depósito Interbancário).
The great advantage of daily liquidity CDBs is that you can redeem your money at any time without losing profitability. This makes them ideal for:
- Emergency funds
- Short-term goals
- A safe alternative to savings
Why 120% of the CDI Is So Attractive
The CDI is currently one of the main benchmarks for fixed income in Brazil. When an institution offers 120% of the CDI, it means the return will be 20% higher than the market average for similar products.
Let’s do a quick comparison:
- Savings Account: pays around 0.5% + TR per month.
- Standard CDB: usually pays between 90% and 110% of CDI.
- Banco BV’s CDB: pays 120% CDI with daily liquidity.
This makes Banco BV’s product one of the best opportunities for investors who want profitability above average without giving up flexibility.
Safety: Is the Banco BV CDB Reliable?
Yes. Banco BV is one of the largest banks in Brazil and has a solid financial history. In addition, CDBs are protected by the Credit Guarantee Fund (FGC), which guarantees investments of up to R$ 250,000 per CPF and financial institution, in case the bank faces financial difficulties.
This makes the CDB an extremely safe investment.
Who Should Invest in Banco BV’s 120% CDI CDB?
This investment is ideal for:
- Investors looking for better returns than savings.
- Those who want to keep an emergency fund with high liquidity.
- People who want a safe and guaranteed option to make money online.
- Beginners in investments who don’t want to take risks in variable income.
Taxes and Fees
It is important to note that, like all fixed-income investments, the Banco BV CDB is subject to Income Tax according to the regressive table:
- Up to 180 days: 22.5%
- 181 to 360 days: 20%
- 361 to 720 days: 17.5%
- Above 720 days: 15%
However, since this CDB has daily liquidity, you can choose when to redeem, maximizing profitability according to your strategy.
How to Invest
You can invest in Banco BV’s 120% CDI CDB directly through digital investment platforms or via Banco BV’s own app. Most of these CDBs require a minimum contribution starting at R$ 100, making it accessible to virtually any investor.
Final Thoughts
If you want to make money online in 2025 with security, flexibility, and above-average returns, the Banco BV 120% CDI daily liquidity CDB is one of the best opportunities available. It combines the best of two worlds: high returns and immediate access to your money.
For those who are building their financial independence and want a solid step towards passive income, this CDB is a perfect starting point.
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