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CRI e CRA: o que são e como funcionam?

por: portal renda

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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.

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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.

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A rentabilidade desses títulos pode ser prefixada ou pós-fixada, com retornos superiores a outros investimentos, devido aos maiores riscos de inadimplência.

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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.

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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.

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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.

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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.

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