Fim da Isenção de LCI/LCA: Onde Investir seu Dinheiro Agora?

por: Julio Sousa Foto: Canva

[{"selector":"#anim-97139ac3-11c6-42d5-8acf-64be6aa3cb4f","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-66897791-0521-494f-8fb8-b4460dff67f1","keyframes":{"transform":["translate3d(115.18987%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-89439f1d-61ef-48de-8e0c-088d4816434a","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-72687342-7a21-4654-9bb8-62cd637cf2c2","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-648deb82-7aa4-47e0-a919-d85a6589d1c9","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-341f92e7-d52b-4e34-a4bf-31fcd602ff5b","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0b9c5d17-3450-476a-83c2-33f83960ea94","keyframes":{"transform":["translate3d(-200%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] A dúvida sobre onde investir com o fim da isenção de LCI/LCA marca o segundo semestre de 2025. Investidores correm para garantir os últimos títulos isentos, mas especialistas alertam: não invista apenas pelo benefício fiscal. Seta Foto: Canva

[{"selector":"#anim-1f238210-8488-4cd1-9e87-e594b1090d09","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3f107e10-1805-4cd7-9244-ce89db304a73","keyframes":{"transform":["translate3d(115.18987%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-45e60f26-4fbb-491f-bfcd-250e26fbdbdc","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a22b190a-e44d-4e13-bcdc-5bb7bfa176bf","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4dd20ef1-5e3c-4789-a3b9-2fd3008ae578","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-4507c9a1-4ddf-45ef-996f-222d8d6ff2fb","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e708961b-288c-41ac-9b0e-a065a24bf4e1","keyframes":{"transform":["translate3d(-200%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] A corrida é impulsionada pela MP 1.303/25, que prevê o fim da isenção de Imposto de Renda para novas emissões a partir de 2026. O que for emitido até o fim de 2025, no entanto, manterá o benefício até o vencimento. Seta Foto: Canva

[{"selector":"#anim-31e5842b-2004-479d-82b2-c4298a59d090","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-342c6edf-925b-4cb3-b6df-d725c51d337e","keyframes":{"transform":["translate3d(115.18987%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a768e6fa-6357-469e-80ec-5ed2fde45338","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-222ce2c1-5ef9-4e03-b4d5-f92e3b3fc9b6","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-590fd8c5-053d-4084-b046-f299cfe7e548","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-cbde4d73-62d8-4aa2-8a48-75ca66e0d3bd","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f358ed28-749f-480f-b631-abb31b3f6ae5","keyframes":{"transform":["translate3d(-200%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] O alerta dos gestores é que muitos investidores estão comprando esses ativos pelo medo de perder a oportunidade, sem analisar o risco de crédito e se o retorno realmente compensa, o que pode ser uma armadilha. Seta Foto: Canva

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[{"selector":"#anim-defbe9e4-3ce4-456c-83e5-a4cebcf5ab4c","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b26c463d-0dbf-4792-939e-e510b0f35ee3","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a88f7b4c-5356-4e90-9037-920759125ad0","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-8b0b4d0b-a39f-486d-8d5a-5e0435657fce","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ea0e1e31-86a7-4a86-beae-a834fcfabc27","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ed6bd631-4da8-416e-906e-f81046a90b80","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-3d09c13d-ba96-4834-ad5d-d767c3628460","keyframes":{"opacity":[0,1]},"delay":0,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-07feb42a-72e1-471d-bdbe-77ab8a257ba2","keyframes":{"transform":["translate3d(0px, -292.14366%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4521877a-8768-44ba-bc13-c5b1bb86619c","keyframes":{"opacity":[0,1]},"delay":0,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-df45816d-fd83-4715-9163-f5ffcadcce8c","keyframes":{"transform":["translate3d(0px, 386.49575%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Seta Uma das grandes alternativas que ganha força com a mudança é a previdência privada. Com seus benefícios fiscais de longo prazo, ausência de come-cotas e uma alíquota de IR que pode chegar a 10%, ela se torna muito competitiva. Seta

[{"selector":"#anim-ae73bc8e-e5a1-4b49-960a-073bb39134b7","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a0bebc9a-876c-4962-a358-946e8930f6d4","keyframes":{"transform":["translate3d(115.18987%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-506d949b-ea6a-489e-8bd2-a33eb3555181","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-622e45fb-ca3e-49f7-b416-8f0d2bcc151f","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-22c4d676-2690-40d5-a15c-e666aea2074a","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-99487a26-7f7c-4b80-add9-b77bd9ad242a","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1bf2f3f7-6816-4ede-a1b2-19ae1e329104","keyframes":{"transform":["translate3d(-200%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Outra aposta para 2026 é o crédito estruturado. Com os juros altos, muitas empresas precisam de financiamento, o que cria oportunidades para investir em dívidas corporativas com bom potencial de retorno. Seta Foto: Canva

[{"selector":"#anim-27c20a4f-fa4a-44b1-8e9f-ae5577a1d030","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d198a8d4-bd1b-4bce-ba66-88f70b2c1a4e","keyframes":{"transform":["translate3d(115.18987%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-271daca8-53bb-46cc-b09a-57008be713d6","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-17840059-eb3c-43d1-9cf1-023c1939e342","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a45490ff-3c4d-4b74-9cf5-9fe1a3ff445e","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-84c68207-b560-4768-b706-f3a791672e90","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8041823b-e338-46e8-9d4a-dcaf00eafe13","keyframes":{"transform":["translate3d(-200%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Os fundos imobiliários (FIIs) também se destacam. Eles evoluíram e hoje oferecem não apenas renda de aluguel, mas também a possibilidade de investir no desenvolvimento de projetos imobiliários dentro de uma estrutura isenta. Seta Foto: Canva

[{"selector":"#anim-d7df5814-5e2e-416f-95f9-ee2d3f7d3999","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f8127231-4a86-496e-afe4-55da74ebfa92","keyframes":{"transform":["translate3d(115.18987%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8f0ee2e5-1e86-49fb-aed5-c7b296c279b6","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a49c2536-4e14-4413-a68b-03ab4e0370c2","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f3b3d362-67f6-4fe0-9784-e28dbf9b6d41","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-0e53a450-d55c-4c58-95d8-18f51b192456","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1d852791-10a9-48a4-a417-bd31ec950180","keyframes":{"transform":["translate3d(-200%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Então, onde investir? A resposta é diversificar para além dos isentos. A previdência privada se consolida para o longo prazo, enquanto o crédito estruturado e os FIIs surgem como alternativas sofisticadas na renda fixa e variável. Seta Foto: Canva

[{"selector":"#anim-20781963-1c90-4488-9ab4-0c6e10d722fa","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f3f0aaee-a01e-44c9-bb4b-b89637c66ca5","keyframes":{"transform":["translate3d(0px, -1660.10135%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-15e7ed52-5873-4767-a8e6-c632d230234d","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0db665c4-6b1f-4445-a7ed-3aa0ee0fa4a0","keyframes":{"transform":["translate3d(0px, 1651.01029%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] LEIA MAIS EM PORTALRENDA.COM.BR Seta