The various reasons for the loss of savings resources
The various reasons for the loss of savings resources
The passbook lost R $ 5.8 billion quite in January 2020. The record redemption of R $ 18 billion may signal both the look for more profitable alternatives and therefore the drop by the population's consumption power, which might make it difficult to resume economical
Valor Investe - Sao Paulo
The next few months may help to unravel the puzzle on why internet fundraising in 2020 was the most important in history. R $ 166 billion was saved during a year of drastic decline in economic activity.
In contrast, the month of January 2021 registered an outflow of R $ 18 billion, the very best within the historical series. the worth is R $ 5.8 billion quite within the same month last year .
One possibility for the strong inflow of resources in 2020 may be a combination of circumstantial and precautionary savings . The analysis was made by the financial institution within the latest edition of the Quarterly Inflation Report.
Savings are called circumstantial because they result from the lack to spend when closing deals.
This was thanks to the social isolation measures adopted to combat the new coronavirus pandemic. for instance, with restaurants closed, the budget of the many families ended up becoming a surplus, since this expense was eliminated. The reduction of expenses with laser or business trips also falls under this heading.
Savings, on the opposite hand, are called precautionary because they stem from the fear of worse days ahead.
With the economic uncertainty caused by the spread of covid-19, several businesses faced difficulties and, who could, tried to save lots of to face possible setbacks.
The problem with attributing the rise in net booklet funding to those factors is that with the evolution of the Brazilian financial market, other more efficient investment modalities became more accessible . In any case, it's possible that a part of the population still sees the bank account as a secure haven in times of crisis.
An alternative which will explain the rise in net fundraising in savings accounts last year is that the government's emergency aid programs.
For some of the population, the bank account may be a substitute for the present account . The graph below shows the monthly evolution of changes in deposits in savings accounts compared to an equivalent month of the previous year. the info range from January 2018 to January 2021.
Between June and December 2020 , the difference between deposits made within the month and therefore the amount deposited within the same months of the previous year increases . As of January 2021, the rise in deposits returns to the historical level.
The variation within the increase in withdrawals also increased significantly as of June , as shown within the graph below.
After two months in April and should when withdrawals were but within the same month last year, withdrawals grew significantly. Therefore, the rise in deposits was amid a rise in withdrawals.
The end result was that the variation in net funding (difference between funding and redemptions) jumped between March and August. Then it returned to the historical level and is now negative , as shown within the graph below.
hapvida fortaleza
plano de saúde hapvida
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Plano de Saúde Bradesco no Nordeste
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