{"id":175,"date":"2023-08-23T17:41:15","date_gmt":"2023-08-23T20:41:15","guid":{"rendered":"https:\/\/romainvestimentos.com\/?page_id=175"},"modified":"2023-08-23T18:39:42","modified_gmt":"2023-08-23T21:39:42","slug":"produtos-renda-fixa","status":"publish","type":"page","link":"https:\/\/romainvestimentos.com\/index.php\/produtos-renda-fixa\/","title":{"rendered":"Produtos &#8211; Renda Fixa"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"175\" class=\"elementor elementor-175\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1ad76bd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1ad76bd\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9187322\" data-id=\"9187322\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bc6c747 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"bc6c747\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.15.0 - 20-08-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Renda Fixa<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1eacf7 elementor-widget elementor-widget-spacer\" data-id=\"e1eacf7\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.15.0 - 20-08-2023 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-374a0cd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"374a0cd\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-63b749e\" data-id=\"63b749e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0568b70 elementor-widget elementor-widget-heading\" data-id=\"0568b70\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">O Que S\u00e3o?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3be9ba elementor-widget elementor-widget-text-editor\" data-id=\"e3be9ba\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.15.0 - 20-08-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<div class=\"block-background\" style=\"--background-color: #000000; --background-overlay-opacity: 0;\" data-v-c23ec894=\"\">\u00a0<\/div><div id=\"z3vpJJ\" class=\"text-box layout-element__component layout-element__component--GridTextBox\" style=\"--36f106d3: break-spaces; --0706d955: break-spaces;\" data-qa=\"gridtextbox:z3vpjj\"><p class=\"body-large\" style=\"color: #848458;\">Os ativos de renda fixa possuem suas regras de rendimento definidas previamente \u00e0 aquisi\u00e7\u00e3o. Ao investir nessa modalidade, \u00e9 poss\u00edvel saber antecipadamente o prazo e o crit\u00e9rio de remunera\u00e7\u00e3o do ativo. A gama de op\u00e7\u00f5es em renda fixa \u00e9 vasta, englobando t\u00edtulos de empresas p\u00fablicas e privadas, do governo, de bancos, cooperativas e securitizadoras. Embora a defini\u00e7\u00e3o dessa classe de investimentos seja simples, as caracter\u00edsticas variam consideravelmente entre os diversos ativos. Os principais investimentos dessa categoria incluem CDBs, CRAs, CRIs, LCAs, LCIs, deb\u00eantures e t\u00edtulos do Tesouro Nacional.<\/p><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a26e67a\" data-id=\"a26e67a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-167b0bf elementor-widget elementor-widget-image\" data-id=\"167b0bf\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.15.0 - 20-08-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" width=\"800\" height=\"422\" src=\"https:\/\/romainvestimentos.com\/wp-content\/uploads\/2023\/08\/ft_9-1024x540.jpg\" class=\"attachment-large size-large wp-image-177\" alt=\"\" srcset=\"https:\/\/romainvestimentos.com\/wp-content\/uploads\/2023\/08\/ft_9-1024x540.jpg 1024w, https:\/\/romainvestimentos.com\/wp-content\/uploads\/2023\/08\/ft_9-300x158.jpg 300w, https:\/\/romainvestimentos.com\/wp-content\/uploads\/2023\/08\/ft_9-768x405.jpg 768w, https:\/\/romainvestimentos.com\/wp-content\/uploads\/2023\/08\/ft_9-1536x809.jpg 1536w, https:\/\/romainvestimentos.com\/wp-content\/uploads\/2023\/08\/ft_9.jpg 2000w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c3957a7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c3957a7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-742ec72\" data-id=\"742ec72\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4bf7a62 elementor-widget elementor-widget-spacer\" data-id=\"4bf7a62\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e632dc2 elementor-widget elementor-widget-text-editor\" data-id=\"e632dc2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div id=\"zgkj97\" class=\"text-box layout-element__component layout-element__component--GridTextBox\" style=\"--36f106d3: break-spaces; --0706d955: break-spaces;\" data-qa=\"gridtextbox:zgkj97\"><p class=\"body\" style=\"color: #848458;\">Os CDBs (Certificados de Dep\u00f3sito Banc\u00e1rio), LCIs (Letras de Cr\u00e9dito Imobili\u00e1rio) e LCAs (Letras de Cr\u00e9dito do Agroneg\u00f3cio) operam como um tipo de &#8220;empr\u00e9stimo&#8221; a uma institui\u00e7\u00e3o financeira, que, por sua vez, empresta os recursos captados dos investidores para tomadores e cobra juros nessa transa\u00e7\u00e3o, remunerando o investidor. Nesses casos, o investidor est\u00e1 incentivando o banco a oferecer cr\u00e9dito para setores espec\u00edficos (como cr\u00e9dito imobili\u00e1rio para LCIs, cr\u00e9dito agr\u00edcola para LCAs e cr\u00e9dito ao consumidor para CDBs) em troca de juros. Por outro lado, os CRIs (Certificados de Receb\u00edveis Imobili\u00e1rios) e CRAs (Certificados de Receb\u00edveis do Agroneg\u00f3cio) consistem na compra antecipada de direitos de cr\u00e9dito de seus respectivos mercados. O investidor antecipa recursos a quem det\u00e9m os receb\u00edveis, e quando os devedores efetuam os pagamentos de suas obriga\u00e7\u00f5es, o investidor recebe o montante investido de volta, acrescido de juros.<\/p><p class=\"body\" style=\"color: #848458;\">\u00c9 importante ressaltar que tanto LCIs e LCAs quanto CRIs e CRAs s\u00e3o isentos de imposto de renda para pessoa f\u00edsica, tornando-os ainda mais atraentes como investimentos. No caso das deb\u00eantures, o investidor empresta recursos para empresas de capital aberto (aquelas cujas a\u00e7\u00f5es podem ser livremente negociadas no mercado) a fim de financiar projetos de longo prazo, recebendo juros peri\u00f3dicos ou no vencimento do ativo. Dentre as variedades de deb\u00eantures, existem as chamadas incentivadas, que recebem o benef\u00edcio da isen\u00e7\u00e3o de imposto de renda para pessoas f\u00edsicas, uma vez que contribuem para o financiamento de grandes projetos de infraestrutura que beneficiam uma determinada regi\u00e3o.<\/p><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7a0b61 elementor-widget elementor-widget-spacer\" data-id=\"b7a0b61\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f67e7c elementor-widget elementor-widget-heading\" data-id=\"6f67e7c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Leia Mais Sobre Renda Fixa<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-90c1b29 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"90c1b29\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5bba301\" data-id=\"5bba301\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-27cbc4e elementor-widget elementor-widget-image\" data-id=\"27cbc4e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/conteudos.xpi.com.br\/renda-fixa\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" width=\"800\" height=\"466\" src=\"https:\/\/romainvestimentos.com\/wp-content\/uploads\/2023\/08\/ft_10-1024x596.jpg\" class=\"attachment-large size-large wp-image-178\" alt=\"\" srcset=\"https:\/\/romainvestimentos.com\/wp-content\/uploads\/2023\/08\/ft_10-1024x596.jpg 1024w, https:\/\/romainvestimentos.com\/wp-content\/uploads\/2023\/08\/ft_10-300x175.jpg 300w, https:\/\/romainvestimentos.com\/wp-content\/uploads\/2023\/08\/ft_10-768x447.jpg 768w, https:\/\/romainvestimentos.com\/wp-content\/uploads\/2023\/08\/ft_10-1536x895.jpg 1536w, https:\/\/romainvestimentos.com\/wp-content\/uploads\/2023\/08\/ft_10.jpg 2000w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Conte\u00fados sobre Renda Fixa<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9e54809\" data-id=\"9e54809\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9df8cd4 elementor-widget elementor-widget-image\" data-id=\"9df8cd4\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/conteudos.xpi.com.br\/tudo-sobre-renda-fixa-no-mes-e-o-que-esperar\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" width=\"800\" height=\"534\" src=\"https:\/\/romainvestimentos.com\/wp-content\/uploads\/2023\/08\/21534706_6379114-1024x683.jpeg\" class=\"attachment-large size-large wp-image-230\" alt=\"\" srcset=\"https:\/\/romainvestimentos.com\/wp-content\/uploads\/2023\/08\/21534706_6379114-1024x683.jpeg 1024w, https:\/\/romainvestimentos.com\/wp-content\/uploads\/2023\/08\/21534706_6379114-300x200.jpeg 300w, https:\/\/romainvestimentos.com\/wp-content\/uploads\/2023\/08\/21534706_6379114-768x512.jpeg 768w, https:\/\/romainvestimentos.com\/wp-content\/uploads\/2023\/08\/21534706_6379114-1536x1024.jpeg 1536w, https:\/\/romainvestimentos.com\/wp-content\/uploads\/2023\/08\/21534706_6379114-2048x1365.jpeg 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">A Renda Fixa no m\u00eas eo que esperar<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Renda Fixa O Que S\u00e3o? \u00a0 Os ativos de renda fixa possuem suas regras de rendimento definidas previamente \u00e0 aquisi\u00e7\u00e3o. Ao investir nessa modalidade, \u00e9 poss\u00edvel saber antecipadamente o prazo e o crit\u00e9rio de remunera\u00e7\u00e3o do ativo. A gama de op\u00e7\u00f5es em renda fixa \u00e9 vasta, englobando t\u00edtulos de empresas p\u00fablicas e privadas, do governo, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/romainvestimentos.com\/index.php\/wp-json\/wp\/v2\/pages\/175"}],"collection":[{"href":"https:\/\/romainvestimentos.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/romainvestimentos.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/romainvestimentos.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/romainvestimentos.com\/index.php\/wp-json\/wp\/v2\/comments?post=175"}],"version-history":[{"count":15,"href":"https:\/\/romainvestimentos.com\/index.php\/wp-json\/wp\/v2\/pages\/175\/revisions"}],"predecessor-version":[{"id":236,"href":"https:\/\/romainvestimentos.com\/index.php\/wp-json\/wp\/v2\/pages\/175\/revisions\/236"}],"wp:attachment":[{"href":"https:\/\/romainvestimentos.com\/index.php\/wp-json\/wp\/v2\/media?parent=175"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}