Calculate Brazilian passbook savings (Poupança) yields under Law 12,703/2012. Automatic switch based on Selic threshold (0.5%/month + TR vs. 70% Selic), 100% tax exemption, and CDI opportunity cost.
Statutory switch: > 8.5% pays 0.5% m/m + TR; <= 8.5% pays 70% Selic + TR.
\text{Se Selic} > 8,5\% \Rightarrow R = 0,50\% \text{ a.m.} + \text{TR}; \qquad \text{Se Selic} \le 8,5\% \Rightarrow R = (0,70 \times \text{Selic}) + \text{TR}Poupança savings rules established by Law 12,703/2012 cap monthly interest at 0.5% + TR whenever the official Selic rate exceeds 8.5% p.a. When Selic is below 8.5%, it pays 70% of Selic + TR.
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