{"id":24945,"date":"2025-09-02T15:27:04","date_gmt":"2025-09-02T15:27:04","guid":{"rendered":"https:\/\/bancofibra.com.br\/?page_id=24945"},"modified":"2025-09-03T14:06:19","modified_gmt":"2025-09-03T14:06:19","slug":"portfolio-lci","status":"publish","type":"page","link":"https:\/\/bancofibra.com.br\/en\/portfolio-lci\/","title":{"rendered":"Investimentos – LCI"},"content":{"rendered":"
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\n\t\t\t\t\t\t\tLCI (Letra de Cr\u00e9dito Imobili\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\u00edtulo de renda fixa com riscos baixos, rentabilidade e isen\u00e7\u00e3o no imposto de renda.<\/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\tQuero Investir<\/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\tLetter of Real Estate Credits (LCI)\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\t\t\t\t(Letra de Cr\u00e9dito Imobili\u00e1rio)\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\tAs Letras de Cr\u00e9dito Imobili\u00e1rio (LCI) s\u00e3o t\u00edtulos de renda fixa emitidos por institui\u00e7\u00f5es financeiras, lastreados em opera\u00e7\u00f5es de cr\u00e9dito com garantia imobili\u00e1ria. Ao investir em LCIs, 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 na LCI 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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A LCI \u00e9 classificada 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 das LCIs, como risco de cr\u00e9dito do emissor, riscos 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 LCI dispon\u00edvel no momento da sua aplica\u00e7\u00e3o.<\/div><\/div><\/div><\/div>
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O investimento em LCIs \u00e9 isento de Imposto de Renda para Pessoas F\u00edsicas e tem al\u00edquota zero de IOF (Imposto sobre Opera\u00e7\u00f5es Financeiras).<\/div><\/div><\/div><\/div>
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As aplica\u00e7\u00f5es em LCIs 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. <\/div><\/div><\/div><\/div>
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O Banco Fibra n\u00e3o \u00e9 remunerado pela distribui\u00e7\u00e3o das LCIs 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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\n\t\t\t\t\t\t\t<\/i>\t\t\t\t\t\t\tPrevious<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t
\n\t\t\t\t\t\t\t<\/i>\t\t\t\t\t\t\tNext<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\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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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":"

LCI (Letra de Cr\u00e9dito Imobili\u00e1rio) Invista em t\u00edtulo de renda fixa com riscos baixos, rentabilidade e isen\u00e7\u00e3o no imposto de renda. Quero Investir LCI(Letra de Cr\u00e9dito Imobili\u00e1rio) Quero investir As…<\/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 - LCI | 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-lci\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Investimentos - LCI | Banco Fibra\" \/>\n<meta property=\"og:description\" content=\"LCI (Letra de Cr\u00e9dito Imobili\u00e1rio) Invista em t\u00edtulo de renda fixa com riscos baixos, rentabilidade e isen\u00e7\u00e3o no imposto de renda. 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