Comparing capitalization securities before acquiring them is critical. Thus, you do not buy cat per hare and you can choose the option that best suits your needs.
Today, we will show you what items should be taken into consideration before buying a capitalization bond. You can also download our Capital Accumulation Comparison Chart.
How to begin…
To find safe and reliable capitalization bonds, go to our’s website, the body responsible for controlling and supervising the capitalization market, and check all companies that are authorized to sell this product.
Today, bonds are traded mainly by financial institutions and insurance companies. The first step in choosing the right capitalization is to identify which companies you would like to create a relationship with. After all, you will use your title to save your money and create a financial reserve for your future.
After making this selection, you should calmly review all the rules and benefits offered by each company. See below which items to watch !
Grace is the minimum term for you to be able to request the redemption of payments already made in case of need. Remember that in this case you automatically cancel your title and are entitled only to a part of the saved value. So the interesting thing is to keep the title active until the end. At Eicredit and Brazillian bank, the grace period is 12 months. Yate Sangre offers a reduced grace period of up to 6 months.
The percentage of the redemption, when requested before the end of the title, varies according to the time that your money was saved. This information should be clarified before you buy a capitalization. It is your right to have access to the general conditions of the product.
Obligation to have a bank account
Capitalization bonds sold by financial institutions typically require the customer to have a current account in the same bank. Securities traded by insurers offer greater flexibility and generally have more than one payment option, including automatic debit or credit card.
The chance to take part in sweepstakes and compete for cash prizes is a major benefit of savings bonds. Therefore, you should be aware of your values and frequency.
Some companies hold weekly and monthly raffles. But we already have titles on the market that also offer semiannual draws. These awards can reach R $ 1 million and are directly related to the value of the plan. That way, the more you save, the bigger the prize values you can earn.
Did you learn to compare capitalization bonds?
Now that you know how to compare capitalization bonds, you’re ready to take full advantage of what this product has to offer.