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LCI and LCA, find out what they are and how to invest, below you will find a complete guide for laymen on the subject of investments.
Investing in financial products is one of the best ways to make your money grow.
Therefore, among the various options available are Real Estate Credit Letters (LCI) and Agribusiness Credit Letters (LCA).
So, in this article, we will explain what these investment modalities are, their characteristics, advantages and how you can start investing in them.
What are LCI and LCA?
LCI (Real Estate Credit Letter)
A LCI It is a fixed income security issued by financial institutions with the aim of raising funds for the real estate sector.
Therefore, when investing in LCI, you are lending your money to finance the purchase or construction of real estate.
Therefore, financial institutions use these resources to grant loans and real estate financing.
LCA (Agribusiness Letter of Credit)
A LCA, on the other hand, is a fixed income security issued by financial institutions focused on financing agribusiness.
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Therefore, when investing in LCA, you are contributing to the financing of activities related to agricultural production, such as grain cultivation, livestock farming and agribusiness.
Therefore, the resources raised through LCAs are used to support the production and development of the agricultural sector.
Characteristics of LCIs and LCAs
1. Profitability
LCI and LCA generally offer profitability linked to the CDI (Interbank Deposit Certificate) or they may have a fixed income.
Therefore, when opting for an LCI or LCA, you can check which is the best option according to your expected return.
2. Income Tax Exemption
One of the main advantages of LCI and LCA is that these investments are exempt from Income Tax for individuals.
Therefore, when comparing the net profitability of these bonds with other investments, such as savings accounts or fixed income funds, you will notice that tax exemption makes LCI and LCA more attractive options.
3. Investment Term
LCIs and LCAs have varying terms, generally ranging from 90 days to 5 years.
Therefore, when choosing your investment, it is important to evaluate the timeframe that fits your financial goals.
Therefore, some financial institutions offer liquidity, allowing redemption before maturity.
4. Guarantee from the Credit Guarantee Fund (FGC)
Both LCI and LCA are guaranteed by Credit Guarantee Fund (FGC).
Therefore, if the financial institution issuing the bonds has financial problems, you will be guaranteed to receive up to R$250,000.00 per CPF and per institution, ensuring greater security for your investments.
Advantages of Investing in LCI and LCA
1. Low Risk
As LCI and LCA are guaranteed by the FGC, they are considered low-risk investments.
So, if you are looking for a safe alternative to invest your money, these options may be ideal.
2. Access to Important Sectors of the Economy
By investing in LCI and LCA, you contribute to the financing of important sectors of the economy, such as real estate and agribusiness.
Therefore, in addition to seeking profitability, you are also helping to drive the development of areas essential for the country's growth.
3. Flexibility
LCI and LCA offer varying terms and, in some cases, liquidity, allowing you to choose an investment that fits your financial needs.
Therefore, this flexibility can be quite advantageous.
How to Invest in LCI and LCA
1. Open an Account at a Financial Institution
The first step to investing in LCI and LCA is to open an account with a financial institution that offers these products.
Therefore, you can opt for traditional banks, credit unions or investment platforms.
2. Research Available Options
Once you have an account, research the LCI and LCA options available at the institution. Therefore, check the profitability, terms and conditions of each security.
This way, you can compare different alternatives and choose the one that best suits your investor profile.
3. Make the Investment
After choosing the desired LCI or LCA, you can make the investment directly through the financial institution's platform.
Therefore, it is important to follow the documentation and confirm the investment details.
4. Track Your Investment
After investing, it is essential to track the performance of your investment. This way, you can check the profitability and, if necessary, reevaluate your investment options.
Final Considerations
Investing in LCI and LCA can be an excellent alternative for those seeking profitability, security and a way to contribute to essential sectors of the economy.
Therefore, with tax exemption and FGC guarantees, these options stand out among the financial products available on the market.
Therefore, by understanding its characteristics and how to invest, you can diversify your portfolio and maximize your earnings.
Therefore, don’t hesitate to include LCI and LCA in your investment strategy!
For more information on the subject, Banco do Brasil has a column dedicated to this subject, click below and check it out – Website Link