{"id":24934,"date":"2025-09-02T15:18:35","date_gmt":"2025-09-02T15:18:35","guid":{"rendered":"https:\/\/bancofibra.com.br\/?page_id=24934"},"modified":"2025-09-03T14:05:12","modified_gmt":"2025-09-03T14:05:12","slug":"portfolio-cdb","status":"publish","type":"page","link":"https:\/\/bancofibra.com.br\/en\/portfolio-cdb\/","title":{"rendered":"Investimentos – CDB"},"content":{"rendered":"
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\n\t\t\t\t\t\t\tCDB (Certificado de Dep\u00f3sito Banc\u00e1rio)\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Invista em t\u00edtulos banc\u00e1rios com a mesma seguran\u00e7a da poupan\u00e7a e maior rentabilidade.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\tI want to invest<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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\n\t\t\t\t\t\t\tBank Deposit Certificates (CDB)\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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(Certificado de Dep\u00f3sito Banc\u00e1rio)\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\tI want to invest<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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\n\t\t\t\t\t\t\tCertificado de Dep\u00f3sito Banc\u00e1rio (CDB) \u00e9 um t\u00edtulo de investimento de renda fixa, em que voc\u00ea aplica seu dinheiro em uma institui\u00e7\u00e3o financeira e, em troca, tem o direito de receber o valor que investiu, acrescido da rentabilidade prevista no CDB em uma data predefinida. Seu rendimento pode ser referenciado em uma taxa pr\u00e9-fixada ou em uma taxa p\u00f3s-fixada, em que o rendimento \u00e9 atrelado \u00e0 varia\u00e7\u00e3o de um \u00edndice ou indicador, como por exemplo o CDI ou o IPCA.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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O que voc\u00ea precisa saber<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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O CDB \u00e9 classificado como investimento para investidores com perfil conservador, quando contar com prazo de at\u00e9 tr\u00eas anos, e com perfil moderado, quando contar com prazo maior do que tr\u00eas anos. Esta classifica\u00e7\u00e3o pode ser alterada de acordo com outras caracter\u00edsticas e fatores de risco dos CDBs, como risco de cr\u00e9dito do emissor, risco de liquidez e riscos de mercado, inerentes \u00e0s oscila\u00e7\u00f5es de \u00edndices e pre\u00e7os.<\/div><\/div><\/div><\/div>
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As informa\u00e7\u00f5es sobre rentabilidade, prazos, car\u00eancia, regate e demais caracter\u00edsticas de cada CDB estar\u00e3o dispon\u00edveis ao investidor no momento da aplica\u00e7\u00e3o.<\/div><\/div><\/div><\/div>
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O hor\u00e1rio limite para investimentos na mesma data \u00e9 at\u00e9 \u00e0s 14h, ap\u00f3s este hor\u00e1rio ser\u00e1 processado no pr\u00f3ximo dia \u00fatil.<\/div><\/div><\/div><\/div>
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Sobre o rendimento das aplica\u00e7\u00f5es em CDB incidir\u00e1 o Imposto de Renda(\u201cIR\u201d), de acordo com a tabela regressiva, e o Imposto sobre Opera\u00e7\u00f5es Financeiras (\u201cIOF\u201d) para opera\u00e7\u00f5es inferiores a 30 (trinta) dias. Para investimentos com prazos superiores a 30 (trinta) dias, a al\u00edquota do IOF \u00e9 zero.<\/div><\/div><\/div><\/div>
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As aplica\u00e7\u00f5es em CDBs s\u00e3o garantidas pelo Fundo Garantidor de Cr\u00e9dito (FGC), para valores at\u00e9 R$ 250 mil por CPF ou CNPJ, por conjunto de dep\u00f3sitos e investimentos em cada institui\u00e7\u00e3o ou conglomerado financeiro. Esse valor \u00e9 limitado ao teto de R$ 1 milh\u00e3o a cada per\u00edodo de 4 anos, para garantias pagas para cada CPF ou CNPJ. \n\n<\/div><\/div><\/div><\/div>
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O Banco Fibra n\u00e3o \u00e9 remunerado pela distribui\u00e7\u00e3o dos CDBs de sua emiss\u00e3o.<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t
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Perfil do investidor<\/h2>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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I want to invest<\/h2>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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Regras de transpar\u00eancia na remunera\u00e7\u00e3o<\/h2>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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Condi\u00e7\u00f5es Gerais<\/h2>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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Canal FGC<\/h2>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

CDB (Certificado de Dep\u00f3sito Banc\u00e1rio) Invista em t\u00edtulos banc\u00e1rios com a mesma seguran\u00e7a da poupan\u00e7a e maior rentabilidade. Quero investir CDB (Certificado de Dep\u00f3sito Banc\u00e1rio)\u00a0 Quero investir Certificado de Dep\u00f3sito…<\/a><\/p>","protected":false},"author":10,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":[],"yoast_head":"\nInvestimentos - CDB | Banco Fibra<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bancofibra.com.br\/en\/portfolio-cdb\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Investimentos - CDB | Banco Fibra\" \/>\n<meta property=\"og:description\" content=\"CDB (Certificado de Dep\u00f3sito Banc\u00e1rio) Invista em t\u00edtulos banc\u00e1rios com a mesma seguran\u00e7a da poupan\u00e7a e maior rentabilidade. 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