{"id":1895,"date":"2021-06-24T07:00:00","date_gmt":"2021-06-24T10:00:00","guid":{"rendered":"https:\/\/naoseiinvestir.com\/?p=1895"},"modified":"2021-06-22T15:14:01","modified_gmt":"2021-06-22T18:14:01","slug":"o-que-e-lci-e-lca","status":"publish","type":"post","link":"https:\/\/naoseiinvestir.com\/index.php\/2021\/06\/24\/o-que-e-lci-e-lca\/","title":{"rendered":"O que \u00e9 LCI e LCA?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/naoseiinvestir.com\/wp-content\/uploads\/2021\/06\/lci-e-lca-nao-sei-investir-1024x576.jpg\" alt=\"LCI e LCA\" class=\"wp-image-1896\" srcset=\"https:\/\/naoseiinvestir.com\/wp-content\/uploads\/2021\/06\/lci-e-lca-nao-sei-investir-1024x576.jpg 1024w, https:\/\/naoseiinvestir.com\/wp-content\/uploads\/2021\/06\/lci-e-lca-nao-sei-investir-300x169.jpg 300w, https:\/\/naoseiinvestir.com\/wp-content\/uploads\/2021\/06\/lci-e-lca-nao-sei-investir-768x432.jpg 768w, https:\/\/naoseiinvestir.com\/wp-content\/uploads\/2021\/06\/lci-e-lca-nao-sei-investir-1536x864.jpg 1536w, https:\/\/naoseiinvestir.com\/wp-content\/uploads\/2021\/06\/lci-e-lca-nao-sei-investir-2048x1152.jpg 2048w, https:\/\/naoseiinvestir.com\/wp-content\/uploads\/2021\/06\/lci-e-lca-nao-sei-investir-1110x624.jpg 1110w, https:\/\/naoseiinvestir.com\/wp-content\/uploads\/2021\/06\/lci-e-lca-nao-sei-investir-528x297.jpg 528w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>LCI e LCA: o que s\u00e3o? Na renda fixa a gente tem uma s\u00e9rie de investimentos que formam uma sopa de letrinhas e estes dois s\u00e3o mais um na turma.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">LCI e LCA<\/h2>\n\n\n\n<p>Assim, a primeira dica eu j\u00e1 dei: s\u00e3o investimentos de renda fixa. As siglas significam, respectivamente, Letra de Cr\u00e9dito Imobili\u00e1ria e Letra de Cr\u00e9dito do Agroneg\u00f3cio.<\/p>\n\n\n\n<p>Lembra quando explicamos sobre o CDB? Pois \u00e9, no caso do CDB, voc\u00ea empresta dinheiro pro banco, o qual utiliza o seu dinheiro nas opera\u00e7\u00f5es dele e devolve o dinheiro para voc\u00ea com juros.<\/p>\n\n\n\n<p>Sugest\u00e3o de leitura: <a href=\"https:\/\/naoseiinvestir.com\/index.php\/2020\/12\/15\/o-que-e-cdb\/\" target=\"_blank\" rel=\"noreferrer noopener\">O que \u00e9 CDB?<\/a><\/p>\n\n\n\n<p>LCI e LCA seguem a mesma l\u00f3gica: voc\u00ea vai emprestar dinheiro pro banco, que vai utilizar o seu dinheiro e devolv\u00ea-lo para voc\u00ea, depois de algum tempo, com juros.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qual a diferen\u00e7a das Letras para o CDB ent\u00e3o?<\/h2>\n\n\n\n<p>H\u00e1 duas diferen\u00e7as principais: a destina\u00e7\u00e3o do dinheiro que voc\u00ea empresta para o banco e o imposto de renda.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Destina\u00e7\u00e3o do dinheiro<\/h3>\n\n\n\n<p>No caso das LCIs e LCAs, o dinheiro que voc\u00ea empresta ao banco s\u00f3 pode ser utilizado para o financiamento dos setores imobili\u00e1rio e de agroneg\u00f3cio, respectivamente. Enquanto o dinheiro investido em CDB pode ser utilizado pelo banco de outras maneiras, na LCI e na LCA o banco tem a obriga\u00e7\u00e3o de utilizar a grana para setores imobili\u00e1rio e de argoneg\u00f3cio.<\/p>\n\n\n\n<p>Quando voc\u00ea investe em uma LCA, por exemplo, o banco n\u00e3o pode pegar esse dinheiro e utilizar para fazer um empr\u00e9stimo pessoal simples para uma pessoa f\u00edsica, por exemplo. Ele precisa ser destinado ao agroneg\u00f3cio.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Imposto de renda<\/h3>\n\n\n\n<p>Outra diferen\u00e7a \u00e9 que no CDB voc\u00ea paga imposto de renda. Nas LCI e LCA, n\u00e3o h\u00e1 incid\u00eancia de imposto de renda.<\/p>\n\n\n\n<p>Isso ocorre porque \u00e9 de especial interesse do Governo que os setores imobili\u00e1rio e de agroneg\u00f3cio se desenvolvam. Assim, a isen\u00e7\u00e3o de imposto de renda \u00e9 um incentivo para que mais recursos possam ser destinados a estes setores estrat\u00e9gicos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">&#8220;Ent\u00e3o sempre vai ser mais interessante investir em LCI e LCA!&#8221;<\/h2>\n\n\n\n<p>N\u00e3o se engane. Voc\u00ea vai perceber que as LCI e LCA v\u00e3o possuir, em regra, rendimentos menores do que os CDB. Assim, no CDB voc\u00ea tem um rendimento nominal maior, mas paga imposto de renda. Nas LCIs e LCAs voc\u00ea tem um rendimento nominal menor, mas n\u00e3o paga imposto de renda.<\/p>\n\n\n\n<div style=\"padding:20px\" class=\"wp-block-tnp-minimal\"><p>Inscreva-se na nossa Newsletter Gratuita! Educa\u00e7\u00e3o financeira no seu e-mail.<\/p><div><div class=\"tnp tnp-subscription-minimal  \"><form action=\"https:\/\/naoseiinvestir.com\/wp-admin\/admin-ajax.php?action=tnp&amp;na=s\" method=\"post\" style=\"text-align: center\"><input type=\"hidden\" name=\"nr\" value=\"minimal\">\n<input type=\"hidden\" name=\"nlang\" value=\"\">\n<input class=\"tnp-email\" type=\"email\" required name=\"ne\" value=\"\" placeholder=\"Email\"><input class=\"tnp-submit\" type=\"submit\" value=\"Assinar\" style=\"\">\n<div class=\"tnp-field tnp-privacy-field\"><label><input type=\"checkbox\" name=\"ny\" required class=\"tnp-privacy\"> Ao prosseguir, voc\u00ea aceita nossa pol\u00edtica de privacidade.<\/label><\/div><\/form><\/div>\n<\/div><\/div>\n\n\n\n<p>Assim, caso esse tipo de investimento fa\u00e7a sentido na sua carteira, cabe colocar na ponta do l\u00e1pis para ver qual compensa mais.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Todo o restante \u00e9 igual<\/h2>\n\n\n\n<p>Todo o restante \u00e9 basicamente igual \u00e0 logica dos CDBs. Assim, h\u00e1 prote\u00e7\u00e3o pelo Fundo Garantidor de Cr\u00e9dito (FGC) e as taxas podem ser pr\u00e9-fixadas ou p\u00f3s-fixadas.<\/p>\n\n\n\n<p>Sugest\u00e3o de leitura: <a href=\"https:\/\/naoseiinvestir.com\/index.php\/2020\/11\/29\/o-que-e-fgc\/\" target=\"_blank\" rel=\"noreferrer noopener\">O que \u00e9 FGC?<\/a><\/p>\n\n\n\n<p>No caso das taxas p\u00f3s-fixadas, costuma se adotar o CDI como refer\u00eancia. Assim, a LCI vai pagar 98% do CDI, por exemplo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c9 um investimento interessante?<\/h2>\n\n\n\n<p>Cabe voc\u00ea estudar a fundo para ver se \u00e9 um investimento que faz sentido para voc\u00ea ou n\u00e3o.<\/p>\n\n\n\n<p>Se voc\u00ea gosta de investir em CDB, pode fazer sentido dentro da sua carteira. Afinal, LCI e LCA seguem uma l\u00f3gica similar aos CDBs, podendo constituir uma forma de diversificar os seus investimentos de renda fixa.<\/p>\n\n\n\n<p>Por serem t\u00edtulos privados, eles possuem maior risco que o Tesouro Direto, por exemplo. Entretanto, h\u00e1 a cobertura do FGC, como eu disse acima, o que d\u00e1 uma camada extra de seguran\u00e7a.<\/p>\n\n\n\n<p>Sugest\u00e3o de leitura: <a href=\"https:\/\/naoseiinvestir.com\/index.php\/2020\/12\/17\/o-que-e-o-tesouro-direto\/\" target=\"_blank\" rel=\"noreferrer noopener\">O que \u00e9 o Tesouro Direto?<\/a><\/p>\n\n\n\n<p>Pessoalmente, prefiro ser bastante conservador na renda fixa, dando prefer\u00eancia para o Tesouro Direto, e tomar mais risco em lugares com potencial maior de retorno, como a\u00e7\u00f5es. Mas isso \u00e9 o que faz sentido dentro da minha estrat\u00e9gia de investimentos, que pode ser completamente diferente da sua.<\/p>\n\n\n\n<p>E voc\u00ea, j\u00e1 conhecia as LCIs e LCAs? Comenta aqui embaixo!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>LCI e LCA: o que s\u00e3o? Na renda fixa a gente tem uma s\u00e9rie de investimentos que formam uma sopa de letrinhas e estes dois s\u00e3o mais um na turma. LCI e LCA Assim, a primeira dica eu j\u00e1 dei: s\u00e3o investimentos de renda fixa. As siglas significam, respectivamente, Letra de Cr\u00e9dito Imobili\u00e1ria e Letra [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1896,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[40],"tags":[99,98,29],"class_list":{"0":"post-1895","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-renda-fixa","8":"tag-lca","9":"tag-lci","10":"tag-renda-fixa","11":"czr-hentry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>O que \u00e9 LCI e LCA? - N\u00e3o $ei Investir<\/title>\n<meta name=\"description\" content=\"LCI e LCA fazem parte da sopa de letrinhas da renda fixa. 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