por EDUARDO CUCOLO
Os saques superaram os depósitos na caderneta de poupança em 2015, algo que não ocorria desde 2005. Segundo o Banco Central, a aplicação que ainda é a mais popular do país registrou captação negativa de R$ 53,6 bilhões no ano passado.
O resultado foi influenciado, principalmente, pela queda na renda e pelos aumentos da inflação e dos juros. Com uma rentabilidade de 8,07% no ano, o retorno da poupança ficará abaixo dos principais índices de preços ao consumidor, que vão superaram 10% em 2015.
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)
Em dezembro, a captação foi positiva em R$ 4,8 bilhões, o que interrompeu uma sequencia de 11 meses seguidos de saídas de recursos, entre janeiro e novembro. Somente em 1999 e 2002 houve captação negativa em dezembro, mês sazonalmente positivo para a poupança, de acordo com as estatísticas do BC, que têm início em 1995.
O saldo total da poupança encolheu de R$ 662,7 bilhões no final de 2014 para R$ 656,6 bilhões no último dia útil de 2015. A variação inclui a captação negativa e os valores creditados como rendimentos.
A maior parte desse dinheiro se refere ao SBPE (Sistema Brasileiro de Poupança e Empréstimo), que encolheu cerca de 3% no ano, uma perda equivalente a R$ 13 bilhões (até novembro, estava em R$ 20 bilhões). É desse montante que saem os recursos destinados ao crédito imobiliário.
O restante do saldo corresponde à poupança rural, cujo estoque cresceu, pois a captação negativa de R$ 3,4 bilhões foi mais que compensada pelos rendimentos creditados no período.
PERSPECTIVAS PARA 2016
Especialistas ouvidos pela Folha estimam que a fuga de recursos da poupança deve se repetir em 2016, apesar da expectativa de melhora na rentabilidade.
No ano passado, a caderneta rendeu 8,07%, abaixo dos principais índices de preços ao consumidor, que superaram 10% em 2015. Para este ano, as previsões são de uma inflação abaixo de 7% e de uma correção da poupança mais próxima de 9%.
Restam, entretanto, dois entraves para a caderneta. O primeiro é o aumento do desemprego e a queda na renda, que somados à inflação ainda alta vão reduzir a disponibilidade de recursos que podem ser poupados pelos brasileiros, de acordo com Myrian Lund, planejadora financeira e professora da FGV.
Myrian cita ainda a concorrência de outros investimentos. Há aplicações de renda fixa que pagam hoje 16% ao ano (taxa do Tesouro Direto).
"A população vai ter uma menor capacidade de poupança neste ano, e quem tem condições de poupar está buscando alternativas", diz.
Segundo ela, a poupança não perdia da inflação desde 2002 e não deve perder em 2016, mas o resultado de 2015 vai afetar as decisões de investimento. "Todo dia recebo ligações de gente que quer tirar dinheiro da poupança e colocar em outra aplicação."
O especialista em finanças Rafael Seabra vê como melhor alternativa o Tesouro Direto, disponível em todos os grandes bancos e com aplicação a partir de R$ 30. Ele recomenda o título Tesouro IPCA para aplicações de pelo menos dois anos e, para o fundo de emergência, o Tesouro Selic, que acompanha a taxa básica de juros.
"Sair da poupança em 2016 é mais que uma obrigação para as pessoas que querem deixar de perder dinheiro", afirma Seabra.
CRÉDITO IMOBILIÁRIO
Em maio, o governo anunciou a liberação de R$ 22,5 bilhões para crédito imobiliário, por meio de mudanças nas regras dos compulsórios (parcela do dinheiro depositado no banco que a instituição deve deixar retida no Banco Central).
Também foram direcionados R$ 5 bilhões do FGTS para a linha pró-cotista, que tem características semelhantes ao crédito da poupança para a habitação.
O dinheiro, no entanto, não foi suficiente para atender à demanda, o que levou a Caixa, principal banco no crédito habitacional, a reduzir o percentual de financiamento por imóvel e a priorizar a compra de imóveis novos.
O dado mais recente do BC mostra que, até novembro, as concessões de novos empréstimos imobiliários para pessoas físicas haviam recuado cerca de 20%.
BALANÇO FECHADO POUPANÇA EM 2015
O QUE FOI
Rentabilidade abaixo da inflação e crise econômica fizeram saques superarem depósitos na caderneta
O QUE É
Aplicação encerrou 2015 com perda de recursos de R$ 53,6 bilhões, o primeiro resultado negativo desde 2005
O QUE SERÁ
> Aumento do desemprego, queda na renda e inflação ainda alta vão reduzir a disponibilidade de recursos para poupança
> Aplicações de renda fixa, como títulos do Tesouro Direto, devem continuar mais atraentes
> Rombo reduz recursos para financiamento imobiliário, mas crise reduz essa pressão
Fonte: Folha Online - 07/01/2016 e Endividado
O resultado foi influenciado, principalmente, pela queda na renda e pelos aumentos da inflação e dos juros. Com uma rentabilidade de 8,07% no ano, o retorno da poupança ficará abaixo dos principais índices de preços ao consumidor, que vão superaram 10% em 2015.
Em dezembro, a captação foi positiva em R$ 4,8 bilhões, o que interrompeu uma sequencia de 11 meses seguidos de saídas de recursos, entre janeiro e novembro. Somente em 1999 e 2002 houve captação negativa em dezembro, mês sazonalmente positivo para a poupança, de acordo com as estatísticas do BC, que têm início em 1995.
O saldo total da poupança encolheu de R$ 662,7 bilhões no final de 2014 para R$ 656,6 bilhões no último dia útil de 2015. A variação inclui a captação negativa e os valores creditados como rendimentos.
A maior parte desse dinheiro se refere ao SBPE (Sistema Brasileiro de Poupança e Empréstimo), que encolheu cerca de 3% no ano, uma perda equivalente a R$ 13 bilhões (até novembro, estava em R$ 20 bilhões). É desse montante que saem os recursos destinados ao crédito imobiliário.
O restante do saldo corresponde à poupança rural, cujo estoque cresceu, pois a captação negativa de R$ 3,4 bilhões foi mais que compensada pelos rendimentos creditados no período.
PERSPECTIVAS PARA 2016
Especialistas ouvidos pela Folha estimam que a fuga de recursos da poupança deve se repetir em 2016, apesar da expectativa de melhora na rentabilidade.
No ano passado, a caderneta rendeu 8,07%, abaixo dos principais índices de preços ao consumidor, que superaram 10% em 2015. Para este ano, as previsões são de uma inflação abaixo de 7% e de uma correção da poupança mais próxima de 9%.
Restam, entretanto, dois entraves para a caderneta. O primeiro é o aumento do desemprego e a queda na renda, que somados à inflação ainda alta vão reduzir a disponibilidade de recursos que podem ser poupados pelos brasileiros, de acordo com Myrian Lund, planejadora financeira e professora da FGV.
Myrian cita ainda a concorrência de outros investimentos. Há aplicações de renda fixa que pagam hoje 16% ao ano (taxa do Tesouro Direto).
"A população vai ter uma menor capacidade de poupança neste ano, e quem tem condições de poupar está buscando alternativas", diz.
Segundo ela, a poupança não perdia da inflação desde 2002 e não deve perder em 2016, mas o resultado de 2015 vai afetar as decisões de investimento. "Todo dia recebo ligações de gente que quer tirar dinheiro da poupança e colocar em outra aplicação."
O especialista em finanças Rafael Seabra vê como melhor alternativa o Tesouro Direto, disponível em todos os grandes bancos e com aplicação a partir de R$ 30. Ele recomenda o título Tesouro IPCA para aplicações de pelo menos dois anos e, para o fundo de emergência, o Tesouro Selic, que acompanha a taxa básica de juros.
"Sair da poupança em 2016 é mais que uma obrigação para as pessoas que querem deixar de perder dinheiro", afirma Seabra.
CRÉDITO IMOBILIÁRIO
Em maio, o governo anunciou a liberação de R$ 22,5 bilhões para crédito imobiliário, por meio de mudanças nas regras dos compulsórios (parcela do dinheiro depositado no banco que a instituição deve deixar retida no Banco Central).
Também foram direcionados R$ 5 bilhões do FGTS para a linha pró-cotista, que tem características semelhantes ao crédito da poupança para a habitação.
O dinheiro, no entanto, não foi suficiente para atender à demanda, o que levou a Caixa, principal banco no crédito habitacional, a reduzir o percentual de financiamento por imóvel e a priorizar a compra de imóveis novos.
O dado mais recente do BC mostra que, até novembro, as concessões de novos empréstimos imobiliários para pessoas físicas haviam recuado cerca de 20%.
BALANÇO FECHADO POUPANÇA EM 2015
O QUE FOI
Rentabilidade abaixo da inflação e crise econômica fizeram saques superarem depósitos na caderneta
O QUE É
Aplicação encerrou 2015 com perda de recursos de R$ 53,6 bilhões, o primeiro resultado negativo desde 2005
O QUE SERÁ
> Aumento do desemprego, queda na renda e inflação ainda alta vão reduzir a disponibilidade de recursos para poupança
> Aplicações de renda fixa, como títulos do Tesouro Direto, devem continuar mais atraentes
> Rombo reduz recursos para financiamento imobiliário, mas crise reduz essa pressão
Fonte: Folha Online - 07/01/2016 e Endividado