The Agricultural Receipt Certificate (CRA) is issued as an option to make it attractive, especially to seek diversification and fiscal advantages. This guide explores the main aspects of investing and how you can “nourish” your portfolio.
What is CRA?
The CRA is a title issued by secured companies, published in receipts originating from agricultural sector shops (such as sales of grain, surrender contracts, etc.). By investing in the CRA, you are looking for finance in the agricultural production sector.
Principais Características
- Rentabilidade: generally related to indicators such as CDI or IPCA + a fixed taxa.
- Isenção de Imposto de Renda: para pessoas físicas.
- Prazos Variáveis: It can be short, medium or long.
- Real Guarantee: several CRAs can be installed on agricultural assets, providing greater security (embrace or risk linked to security and other secondary assets).
“Nutrientes” Financeiros do CRA
- Rentabilidade Atraente
- The CRA seeks to offer competitive returns, many times superior to other investments to make traditional fixes.
- Example: 110 % do CDI a year.
- Fiscal Indemnity
- A great advantage for physical people is not paying Return Tax on your returns.
- This increases liquid income in comparison with tax applications.
- Flexibilidade de Prazos
- Find the CRAs with different purchase data, when investing in your financial objectives.
- Example: Investment period: 36 months.
- Additional Security (Real Guarantee)
- This sheet in the agricultural real estate may offer an extra protection package to the investor.
- Example: Real Guarantee: Sim (for some CRAs).
Compare with Outros Investimentos
- Poupança vs. CRA: The CRA offers significantly greater income potential and tax exemption, surpassing Poupança em return.
- CDB vs. CRA: As the CDB is widely protected by the FGC (até R$ 250 mil), or CRA, it is subject to IR and potentially with real guarantee, involves or is at risk from security and receipts. The school depends on the shape and the tax exemption.
Investment Strategies with CRA
- Diversification: Including CRAs in a diversified portfolio of fixed and varied returns can increase your return potential and increase your risk.
- Alinhamento com Objetivos: Check out CRAS with prices that correspond to your plans (short, medium or long price).
- Análise da Emissão: Avalie the security, the quality of the receipts that we provide to the CRA and the guarantees of offers.
Conclusion
The CRA is a fixed income agent that offers an attractive combination of potential income, tax exemption and support in a strong sector of the Brazilian economy, or agriculture. By understanding these “nutrients”, comparing them with other options and analyzing the characteristics of each issue, you can add the smart CRA to your portfolio, seeking a balance between risk and return to achieve your financial goals.
