CRI e CRA: o que são e como funcionam?

[{"selector":"#anim-bdcf02a7-6e60-47ab-8957-21171ce4e4f2","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2e7aa241-f4c7-421a-91e3-bb56bb78354e","keyframes":{"transform":["translate3d(121.21212%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7782ba17-6351-4c6f-8595-75e2ce74228c","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-77644f93-a50c-4ddf-b447-d1bc18f9ea0a","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7cfa9c03-fe2b-445e-8c03-5b4a2b1174cd","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-835531bb-1666-4ed6-971a-2c69cffa734f","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3c3aee34-07d8-4d0d-9aaa-fdfdcdbb0dbc","keyframes":{"transform":["translate3d(-208.3333%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] CRI e CRA são títulos de renda fixa, emitidos por securitizadoras, ligados aos setores imobiliário e agronegócio, respectivamente, oferecendo isenção de IR para pessoas físicas. Seta Foto: Canva

[{"selector":"#anim-ab22ec4e-41a9-4803-849a-b2bf9ee76311","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8bf3e90f-a974-4579-98d0-5b47a778c1d2","keyframes":{"transform":["translate3d(122.55891%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f20faab8-5012-4a83-9dd9-cfb76de24af2","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-3fdec4cf-6ca4-466a-97d1-9063d420c8bc","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-38d7f76c-1513-43ac-b2ba-3f46c94271de","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-18d8cc2a-3417-4b21-a799-58ad547f49de","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7b336d72-1511-415f-adbb-ea190a0970f9","keyframes":{"transform":["translate3d(-208.3333%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Ao investir em CRI, você financia projetos imobiliários; no CRA, o investimento vai para o agronegócio, com retornos atrelados à capacidade de pagamento dos devedores. Seta Foto: Canva

[{"selector":"#anim-1f1a2124-c814-43ad-8a87-b8420716ee7b","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a00170b4-f56d-4893-af94-a0231be2126e","keyframes":{"transform":["translate3d(121.21212%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-18ca4f88-4f18-420e-96c8-e92a2f7736d3","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-e26f407c-175f-438f-b9be-1bb160a41831","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-86ff336e-ce61-4b24-b1db-3fbdd55e5556","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-56bb2733-b5de-4ce6-9a85-2fad840fefc8","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b715ba9e-39f2-43f8-88d9-9abd1f4ebf61","keyframes":{"transform":["translate3d(-208.3333%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] A rentabilidade desses títulos pode ser prefixada ou pós-fixada, com retornos superiores a outros investimentos, devido aos maiores riscos de inadimplência. Seta Foto: Canva

[{"selector":"#anim-bbd513b6-85c2-46b6-b6b4-1461e4a8fb30","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4bfa838f-c543-478b-93a7-6234c0720a43","keyframes":{"transform":["translate3d(122.55891%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e6b0f36f-2ba3-40e0-a687-a106ae772bdc","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-7efaf945-8c67-4f17-80c2-447c4cd36e44","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-49df445a-c167-4561-ac06-56253e5f98b4","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-52026812-6654-42e2-ba57-0e84bd085107","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f0c90489-7eee-46eb-904e-a4af0ee04ea4","keyframes":{"transform":["translate3d(-208.3333%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] A baixa liquidez dos CRIs e CRAs exige que o investidor esteja preparado para manter o título até o vencimento, evitando possíveis perdas no mercado secundário. Seta Foto: Canva

[{"selector":"#anim-f7d748d0-35ff-4811-87c4-d830803d0d57","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2d612e3d-4fe4-4a4c-a4f7-4b8f0bbf4068","keyframes":{"transform":["translate3d(121.21212%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0140f7ef-c7fe-4505-b6a0-5860e3711f7b","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-dfdccb1f-3a6c-4714-bbee-75d71c91460a","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f52f2222-9028-4484-9d4e-4a66a5c85b4d","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-5b99c690-fe3a-4fe2-b7c8-62f0cc9890b7","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-34785279-8010-4887-9806-34853ca1b77d","keyframes":{"transform":["translate3d(-208.3333%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Os principais riscos incluem a inadimplência dos devedores e a falta de garantias reais, embora algumas emissões possam oferecer seguros ou fianças como proteção adicional. Seta Foto: Canva

[{"selector":"#anim-9478f64d-0fd9-476c-9d41-a16dcb7d71ac","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d822fdd9-602f-4437-99a6-8bd758aa7f96","keyframes":{"transform":["translate3d(122.55891%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0b38428c-37a0-4173-9b47-9056b547c172","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-aa998a8b-2e4f-4124-b809-51ed0c5ffa5c","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-40c3392a-c1a1-4f43-ae2b-8d0e567ea637","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-f627911e-1da3-4321-a8c9-05f6eef44333","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cdf53717-93c8-4d6b-abfd-fb1983d7cdc1","keyframes":{"transform":["translate3d(-208.3333%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] A isenção de Imposto de Renda para pessoas físicas aumenta a atratividade desses títulos, mas é crucial considerar todas as taxas e custos envolvidos para avaliar o retorno real. Seta Foto: Canva

[{"selector":"#anim-6b861717-866f-4ffe-8784-0b5cce265a9e","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e69555cb-7bc9-4f7a-afb1-1dce02f192cc","keyframes":{"transform":["translate3d(121.21212%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d6b256d0-3aef-4b21-a32e-bd800d4e3485","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-5aab586c-0119-48ae-8b21-0f40603e3437","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ddb673ef-a1c0-4a35-be2c-21c1de31f941","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-24dc9907-b4fa-414b-929b-cac5e582a6c6","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c639ebb8-0333-457c-af41-1e0bea99d5cd","keyframes":{"transform":["translate3d(-208.3333%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Escolher um bom CRI ou CRA envolve analisar a qualidade dos recebíveis, garantias, e compatibilidade com os objetivos financeiros, garantindo uma decisão de investimento alinhada ao perfil do investidor. Seta Foto: Canva

[{"selector":"#anim-469905fc-ac89-47f0-b18c-b3908e71b7c0","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f9ba4ae8-d96e-41d2-9ff1-b73b97be550d","keyframes":{"transform":["translate3d(0px, -1557.48909%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1f18a574-8ea0-4aad-bade-8097d6cc7022","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b269b001-780c-4822-8362-3e6097d34329","keyframes":{"transform":["translate3d(0px, 1655.55596%, 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