LCDs são um bom investimento? Entenda a nova renda fixa isenta de IR

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LCDs são um bom investimento? Entenda a nova renda fixa isenta de IR

por: Portal Renda

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O Brasil terá as Letras de Crédito do Desenvolvimento (LCDs), sancionadas por Lula, com previsão de lançamento ainda em 2024.

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Especialistas acreditam que as LCDs diversificarão carteiras de renda fixa, isentas de IR, atraindo pessoas físicas.

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Emitidas apenas por bancos de fomento como o BNDES, as LCDs terão rentabilidade atrelada ao CDI ou IPCA, com risco baixo.

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As LCDs serão isentas de IR para pessoas físicas, com uma alíquota fixa de 15% para pessoas jurídicas, incentivando o investimento em projetos de desenvolvimento.

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A emissão limitada a R$ 10 bilhões por banco anualmente e o vencimento mínimo de 12 meses podem dificultar a liquidez.

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O Conselho Monetário Nacional estabelecerá regras para resgates antecipados, impactando a liquidez mais que o limite de emissão.

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As primeiras LCDs podem ser emitidas ainda em 2024, dependendo da regulamentação do CMN, com processos regulatórios baseados em experiências anteriores.

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