Investing in the Agricultural Credit Card (LCA) is adding to your portfolio an asset that combines attractive returns, tax exemption and low risk. Next, we'll find out how to find financial “food”.
1. What is LCA?
The LCA is a title for making fixed payments issued by banks, with recourses intended for agricultural financing. Now apply, please ask in the rural sector and, in the list, receive prefixed or post-fixed juros.
2. Principal Characteristics
- Rentabilidade: taxa prefixada ou assigned to the CDI.
- Isenção de IR: yields books of income tax for physical fitness.
- Prazos Flexíveis: options from months to years, according to your needs.
- Baixo Risco: guaranteed by FGC até R$ 250 mil by CPF and plate in active reais.
3. “Nutrientes” Financeiros from LCA
- Protein – Competitive Rent
- Ingredient-key for the growth of heritage.
- Example: 7.5 % annually (pre-fixed).
- Antioxidant – Isenção de Imposto de Renda
- Protects your dogs from taxation, increasing liquid yield.
- Exclusive benefit on many other titles to get it fixed.
- Versatility – Different Prazos
- Adapts to short, medium or long lenses.
- Exemplo: 12, 24 ou 36 meses.
- Fiber – Baixo Risco
- Stability that strengthens the portfolio.
- Support for the solidarity of Brazilian agriculture.
4. Comparison with Outros Investments
- Poupança vs. LCA
- Poupança: limited yield (TR + 0.5 % am).
- LCA: superior taxas and isenção de IR.
- CDB vs. LCA
- CDB: boa rentabilidade, mas tributado.
- LCA: high liquid yield due to tax exemption.
5. Success Strategies
- Intelligent Diversification: combine LCA with active fix and change options.
- Escalonamento de Vencimentos: view in the LCAs with different reporting data to maintain regular liquidation.
- Ajuste ao Objetivo: Select prices and types (prefixed or post-fixed) in accordance with specific goals.
Conclusion
LCA offers nutritious valuable finances: attractive income, tax exemption, flexibility and security. It incorporates its investment strategy to guarantee a robust and balanced portfolio, capable of achieving goals in the long term with peace of mind.
