tag:blogger.com,1999:blog-68599576932406399512024-02-20T00:23:11.425-08:00Saber InvestirUnknownnoreply@blogger.comBlogger2125tag:blogger.com,1999:blog-6859957693240639951.post-63228903024370498872014-04-10T10:45:00.003-07:002014-04-10T11:51:22.208-07:00LCI vs LCA<br />
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<span style="font-size: large;">LCI(Letra de Credito Imobiliário) é um investimento que tem lastro em crédito imobiliário, ou seja hipotecas ou alienação de imoveis. Esse tipo de instrumento foi criado para fomentar o mercado de crédito imobiliário no País.</span></div>
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<span style="font-size: large;">LCA(</span><span style="background-color: white; font-family: arial, helvetica, clean, sans-serif; line-height: 19.375200271606445px;"><span style="font-size: large;">Letra de Crédito do Agronegócio) </span></span><span style="background-color: white; font-family: arial, helvetica, clean, sans-serif; line-height: 19.375200271606445px;"><span style="font-size: large;">é o título emitido pelos bancos para financiar participantes do agronegócio.</span></span></div>
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<span style="background-color: white; font-family: arial, helvetica, clean, sans-serif; line-height: 19.375200271606445px;"><span style="font-size: large;">Mas qual escolher se ambas sao isentas de IR?</span></span></div>
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<span style="background-color: white;"><span style="font-size: large;"><span style="font-family: arial, helvetica, clean, sans-serif;"><span style="line-height: 19.375200271606445px;">A questão a saber é quanto dinheiro você tem disponível para investir e o prazo.</span></span></span></span><br />
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<table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 514px;">
<colgroup><col style="mso-width-alt: 3693; mso-width-source: userset; width: 76pt;" width="101"></col>
<col style="mso-width-alt: 4534; mso-width-source: userset; width: 93pt;" width="124"></col>
<col style="mso-width-alt: 5814; mso-width-source: userset; width: 119pt;" width="159"></col>
<col style="mso-width-alt: 4754; mso-width-source: userset; width: 98pt;" width="130"></col>
</colgroup><tbody>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="background-color: black; background-position: initial initial; background-repeat: initial initial; border-color: windowtext windowtext black; border-style: solid; border-width: 1.5pt 1.5pt 1pt; color: white; font-family: Arial; font-size: 9pt; font-weight: 700; height: 15pt; text-underline-style: none; width: 76pt;" width="101">Banco</td>
<td class="xl66" style="background-color: black; background-position: initial initial; background-repeat: initial initial; border-color: windowtext windowtext black; border-style: solid; border-width: 1.5pt 1.5pt 1pt; color: white; font-family: Arial; font-size: 9pt; font-weight: 700; text-underline-style: none; width: 93pt;" width="124">Aporte
mínimo CDB</td>
<td class="xl66" style="background-color: black; background-position: initial initial; background-repeat: initial initial; border-color: windowtext windowtext black; border-style: solid; border-width: 1.5pt 1.5pt 1pt; color: white; font-family: Arial; font-size: 9pt; font-weight: 700; text-underline-style: none; width: 119pt;" width="159">Aporte
mínimo LCI</td>
<td class="xl67" style="background-color: black; background-position: initial initial; background-repeat: initial initial; border-color: windowtext windowtext black; border-style: solid; border-width: 1.5pt 1.5pt 1pt; color: white; font-family: Arial; font-size: 9pt; font-weight: 700; text-underline-style: none; width: 98pt;" width="130">Aporte
mínimo LCA</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl68" height="20" style="background-color: white; background-position: initial initial; background-repeat: initial initial; border-color: black windowtext; border-style: solid; border-width: 0.5pt 1.5pt; font-family: Arial; font-size: 9pt; height: 15pt; margin-right: 0px; padding-bottom: 5px; padding-top: 5px; text-underline-style: none; width: 76pt;" width="101">Banco do Brasil</td>
<td class="xl69" style="background-color: white; background-position: initial initial; background-repeat: initial initial; border-color: black windowtext; border-style: solid; border-width: 0.5pt 1.5pt; font-family: Arial; font-size: 9pt; margin-right: 0px; padding-bottom: 5px; padding-top: 5px; text-underline-style: none; width: 93pt;" width="124">R$ 500</td>
<td class="xl70" style="background-color: white; background-position: initial initial; background-repeat: initial initial; border-color: black windowtext; border-style: solid; border-width: 0.5pt 1.5pt; font-family: Arial; font-size: 9pt; margin-right: 0px; padding-bottom: 5px; padding-top: 5px; text-underline-style: none; width: 119pt;" width="159">R$ 1 mil</td>
<td class="xl71" style="background-color: white; background-position: initial initial; background-repeat: initial initial; border-color: black windowtext; border-style: solid; border-width: 0.5pt 1.5pt; font-family: Arial; font-size: 9pt; margin-right: 0px; padding-bottom: 5px; padding-top: 5px; text-underline-style: none; width: 98pt;" width="130">R$ 30 mil</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl68" height="20" style="background-color: white; background-position: initial initial; background-repeat: initial initial; border-color: black windowtext; border-style: solid; border-width: 0.5pt 1.5pt; font-family: Arial; font-size: 9pt; height: 15pt; margin-right: 0px; padding-bottom: 5px; padding-top: 5px; text-underline-style: none; width: 76pt;" width="101">Bradesco</td>
<td class="xl69" style="background-color: white; background-position: initial initial; background-repeat: initial initial; border-color: black windowtext; border-style: solid; border-width: 0.5pt 1.5pt; font-family: Arial; font-size: 9pt; margin-right: 0px; padding-bottom: 5px; padding-top: 5px; text-underline-style: none; width: 93pt;" width="124">R$ 1.000</td>
<td class="xl70" style="background-color: white; background-position: initial initial; background-repeat: initial initial; border-color: black windowtext; border-style: solid; border-width: 0.5pt 1.5pt; font-family: Arial; font-size: 9pt; margin-right: 0px; padding-bottom: 5px; padding-top: 5px; text-underline-style: none; width: 119pt;" width="159">R$ 50 mil</td>
<td class="xl71" style="background-color: white; background-position: initial initial; background-repeat: initial initial; border-color: black windowtext; border-style: solid; border-width: 0.5pt 1.5pt; font-family: Arial; font-size: 9pt; margin-right: 0px; padding-bottom: 5px; padding-top: 5px; text-underline-style: none; width: 98pt;" width="130">Não divulgado</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl68" height="20" style="background-color: white; background-position: initial initial; background-repeat: initial initial; border-color: black windowtext; border-style: solid; border-width: 0.5pt 1.5pt; font-family: Arial; font-size: 9pt; height: 15pt; margin-right: 0px; padding-bottom: 5px; padding-top: 5px; text-underline-style: none; width: 76pt;" width="101">Caixa</td>
<td class="xl69" style="background-color: white; background-position: initial initial; background-repeat: initial initial; border-color: black windowtext; border-style: solid; border-width: 0.5pt 1.5pt; font-family: Arial; font-size: 9pt; margin-right: 0px; padding-bottom: 5px; padding-top: 5px; text-underline-style: none; width: 93pt;" width="124">R$ 200</td>
<td class="xl70" style="background-color: white; background-position: initial initial; background-repeat: initial initial; border-color: black windowtext; border-style: solid; border-width: 0.5pt 1.5pt; font-family: Arial; font-size: 9pt; margin-right: 0px; padding-bottom: 5px; padding-top: 5px; text-underline-style: none; width: 119pt;" width="159">R$ 30 mil</td>
<td class="xl71" style="background-color: white; background-position: initial initial; background-repeat: initial initial; border-color: black windowtext; border-style: solid; border-width: 0.5pt 1.5pt; font-family: Arial; font-size: 9pt; margin-right: 0px; padding-bottom: 5px; padding-top: 5px; text-underline-style: none; width: 98pt;" width="130">R$ 5 milhões </td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl68" height="20" style="background-color: white; background-position: initial initial; background-repeat: initial initial; border-color: black windowtext; border-style: solid; border-width: 0.5pt 1.5pt; font-family: Arial; font-size: 9pt; height: 15pt; margin-right: 0px; padding-bottom: 5px; padding-top: 5px; text-underline-style: none; width: 76pt;" width="101">HSBC</td>
<td class="xl69" style="background-color: white; background-position: initial initial; background-repeat: initial initial; border-color: black windowtext; border-style: solid; border-width: 0.5pt 1.5pt; font-family: Arial; font-size: 9pt; margin-right: 0px; padding-bottom: 5px; padding-top: 5px; text-underline-style: none; width: 93pt;" width="124">R$ 100</td>
<td class="xl70" style="background-color: white; background-position: initial initial; background-repeat: initial initial; border-color: black windowtext; border-style: solid; border-width: 0.5pt 1.5pt; font-family: Arial; font-size: 9pt; margin-right: 0px; padding-bottom: 5px; padding-top: 5px; text-underline-style: none; width: 119pt;" width="159">Não divulgado</td>
<td class="xl71" style="background-color: white; background-position: initial initial; background-repeat: initial initial; border-color: black windowtext; border-style: solid; border-width: 0.5pt 1.5pt; font-family: Arial; font-size: 9pt; margin-right: 0px; padding-bottom: 5px; padding-top: 5px; text-underline-style: none; width: 98pt;" width="130">Não divulgado</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl68" height="20" style="background-color: white; background-position: initial initial; background-repeat: initial initial; border-color: black windowtext; border-style: solid; border-width: 0.5pt 1.5pt; font-family: Arial; font-size: 9pt; height: 15pt; margin-right: 0px; padding-bottom: 5px; padding-top: 5px; text-underline-style: none; width: 76pt;" width="101">Itaú Unibanco</td>
<td class="xl69" style="background-color: white; background-position: initial initial; background-repeat: initial initial; border-color: black windowtext; border-style: solid; border-width: 0.5pt 1.5pt; font-family: Arial; font-size: 9pt; margin-right: 0px; padding-bottom: 5px; padding-top: 5px; text-underline-style: none; width: 93pt;" width="124">R$ 500</td>
<td class="xl70" style="background-color: white; background-position: initial initial; background-repeat: initial initial; border-color: black windowtext; border-style: solid; border-width: 0.5pt 1.5pt; font-family: Arial; font-size: 9pt; margin-right: 0px; padding-bottom: 5px; padding-top: 5px; text-underline-style: none; width: 119pt;" width="159">R$ 100 mil </td>
<td class="xl71" style="background-color: white; background-position: initial initial; background-repeat: initial initial; border-color: black windowtext; border-style: solid; border-width: 0.5pt 1.5pt; font-family: Arial; font-size: 9pt; margin-right: 0px; padding-bottom: 5px; padding-top: 5px; text-underline-style: none; width: 98pt;" width="130">Não divulgado</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl68" height="20" style="background-color: white; background-position: initial initial; background-repeat: initial initial; border-color: black windowtext windowtext; border-style: solid; border-width: 0.5pt 1.5pt 1.5pt; font-family: Arial; font-size: 9pt; height: 15pt; margin-right: 0px; padding-bottom: 5px; padding-top: 5px; text-underline-style: none; width: 76pt;" width="101">Santander</td>
<td class="xl69" style="background-color: white; background-position: initial initial; background-repeat: initial initial; border-color: black windowtext windowtext; border-style: solid; border-width: 0.5pt 1.5pt 1.5pt; font-family: Arial; font-size: 9pt; margin-right: 0px; padding-bottom: 5px; padding-top: 5px; text-underline-style: none; width: 93pt;" width="124">R$ 100</td>
<td class="xl70" style="background-color: white; background-position: initial initial; background-repeat: initial initial; border-color: black windowtext windowtext; border-style: solid; border-width: 0.5pt 1.5pt 1.5pt; font-family: Arial; font-size: 9pt; margin-right: 0px; padding-bottom: 5px; padding-top: 5px; text-underline-style: none; width: 119pt;" width="159">R$ 30 mil</td>
<td class="xl71" style="background-color: white; background-position: initial initial; background-repeat: initial initial; border-color: black windowtext windowtext; border-style: solid; border-width: 0.5pt 1.5pt 1.5pt; font-family: Arial; font-size: 9pt; margin-right: 0px; padding-bottom: 5px; padding-top: 5px; text-underline-style: none; width: 98pt;" width="130">R$ 250 mil</td>
</tr>
</tbody></table>
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<span style="background-color: white; font-family: arial, helvetica, clean, sans-serif; line-height: 19.375200271606445px;"><span style="font-size: large;">Escolha a que mais atende suas </span></span><span style="font-family: arial, helvetica, clean, sans-serif; font-size: large;"><span style="line-height: 19.375200271606445px;">necessidades.</span></span></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6859957693240639951.post-20307774853856438022014-04-10T10:12:00.002-07:002014-05-22T10:08:50.775-07:00Poupança não é investimento<span style="font-size: large;">Algumas pessoas devem estar se perguntando: </span><br />
<span style="font-size: large;"><br /></span><span style="font-size: large;">-Por que a poupança não é "investimento"?</span><br />
<span style="font-size: large;"><br /></span><span style="font-size: large;">O brasileiro tem a cultura de colocar dinheiro na Poupança poque acredita ser a mais segura. Mas existem muitas outras maneiras de se investir o dinheiro como por Exemplo CDB, LCI, LCA o Tesouro Direto e muitas outras que vou deixar pra outra ocasião pois ficaria muito grande esse texto.</span><br />
<span style="font-size: large;"><br /></span><span style="font-size: large;">Pois bem todos sabem que a Poupança mudou as regras em maio de 2012 onde a Selic esta a 8,5% e muitos investidores estavam migrando seus investimentos para a Poupança.</span><br />
<span style="font-size: large;"><br /></span><span style="font-size: large;">Passada a temporada de maré baixa estamos em uma curva acendente de crescimento da taxa básica de juros nesse mês a Selic subiu mais 0,25 pp ficando a 11%.</span><br />
<span style="font-size: large;"><br /></span><span style="font-size: large;">Pois bem essa é a hora de sair da poupança e investir em CDB ou LCI que tem as mesmas garantias da Poupança com o FGC(Fundo Garantidor de Credito) até o valor de 250 mil reais.</span><br />
<span style="font-size: large;"><br /></span><span style="font-size: large;">O CDB (certificado de Deposito Bancário</span><span style="font-size: large;">) precisa pagar imposto de renda mas é regressivo conforme o tempo que você fica na aplicação, quanto mais tempo ficar na aplicação menos imposto irá pagar, confira a tabela abaixo:</span><br />
<span style="font-size: large;"><br /></span><span style="font-size: large;"><img src="http://ucho.info/wp-content/uploads/2012/05/cdb_01.jpg" /></span><br />
<span style="font-size: large;"><br /></span><span style="font-size: large;">No caso das LCI(Letras de Creidto Imobiliario) e LCA(<span style="background-color: white; font-family: arial, helvetica, clean, sans-serif; line-height: 19.375200271606445px;">Letra de Crédito do Agronegócio) a</span><span style="background-color: white;"><span style="font-family: arial, helvetica, clean, sans-serif;"><span style="line-height: 19.375200271606445px;"> principal vantagem é o fato de</span></span></span></span><span style="background-color: white; font-family: arial, helvetica, clean, sans-serif; font-size: large; line-height: 19.375200271606445px;"> ser aplicações isentas de Imposto de Renda.</span>Unknownnoreply@blogger.com0