Tax-Free Investments: See the Options

See the best investment options without Income Tax

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Tax-free investments exist and can help you obtain a more significant return!

The choice, in fact, can be somewhat limited. After all, there are excellent investment options, such as Treasury Direct and CDB, for which investors need to pay income tax on the income.

Even so, there are excellent options on the market. And you will find out about them right now.

Read on to find out more.

Why are there investments without Income Tax?

As we have already said, there are great investments that are not exempt from income tax.

In fact, some of them may even exceed the yield of an exempt asset.

The fact is that some of these applications have a great profitability, which compensates for the loss of IR and/or IOF (Tax on Financial Transactions).

Furthermore, it is necessary to mention that Income Tax is only levied on profitability, not on the total amount invested.

But after all, why are there investments free from this federal tax?

The objective, in this case, is to stimulate the contribution of financial resources to areas that are important for the growth and development of Brazil.

This is the case in the real estate and agribusiness sectors. The government, with the aim of obtaining resources to encourage the entry of money into strategic areas, decides not to charge income tax.

Due to the absence of fees, it is normal for these investments to attract attention in the market.

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What are the investment options without Income Tax?

Now that you know why some investments are exempt, it's time to find out about the best options:

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1. LCI (Real Estate Credit Letter)

The Real Estate Credit Letter (LCI) is a fixed income security that, as the name suggests, was created to finance the real estate market.

LCIs are issued by financial institutions that have real estate credit portfolios in their investment portfolio.

Like other letters of credit, the LCI is protected by Credit Guarantee Fund (FGC).

As letters of credit are considered investments with lower liquidity than other fixed income products, this option is recommended for those who intend to invest in the medium and long term.

There is a grace period of at least 90 days, which means that you cannot withdraw the invested amount before the period.

For this reason, only invest in an LCI if you are sure that you will not need the money before the deadline.

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2. LCA (Agribusiness Letter of Credit)

The Agribusiness Letter of Credit is very similar to the LCI.

The difference here, basically, is in the allocation of the financial resources raised, as the LCA is focused on agribusiness operations.

When you buy an LCI or LCA, you will actually be taking out a loan from the bank. At the end of the term, you will be paid for it.

On the other hand, the financial institution in question lends money to rural producers so that they can finance activities linked to agribusiness.

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3. CRI (Real Estate Receivables Certificate)

Before understanding the meaning of CRI, it is necessary to understand what Real Estate Receivables Certificates are.

Basically, they represent the future promise of cash payment.

In this case, the investor who acquires this fixed income security helps to finance the real estate market by advancing the credits that will be received by the sector.

It works like this: normally, a construction company that owns a real estate development sells the units that are still in the construction phase.

The company, instead of waiting for all the installments to be paid, decides to take action in advance and hire a securitization company (a company responsible for purchasing the company's debt).

In other words, debts are transformed into credit securities, which are available for investors to make investments.

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4. CRA (Agribusiness Receivables Certificates)

CRI and CRA are very similar, as the titles work in the same way.

The difference is that whoever invests in CRA is financing loans for the agricultural sector.

Furthermore, as with CRI, the company also needs a securitization company.

It is important to remember that although CRI and CRA are investments without Income Tax, they do not have the FGC guarantee, unlike LCI and LCA.

5. Incentivized debentures

Debentures are debt securities.

When making this application, the investor lends his resources to a publicly traded company.

In return, at the time of redemption, he will receive the corrected value and the linked investments.

Incentivized debentures are exempt from income tax, because they are issued by companies that use financial resources to finance infrastructure projects, such as airports, highways and ports.

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6. Gain from sale of shares up to R$20,000

For those with a moderate or bold profile, investing in shares is a good option.

But the IR exemption is only for those who sell up to R$20,000 per month in shares.

In other words, everything you sell that is above the limit of R$20,000 will be subject to the IR rate of R$151,000.

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7. Dividend income

Companies listed on the Stock Exchange, when they make a profit, must pass on a percentage of the earnings to shareholders.

In Brazil, companies with shares in the bag, they must share at least 25% of the profit in the form of dividends.

Profits are shared according to the number of shares each investor has.

This occurs through the payment of dividends.

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Is savings a form of investment?

Savings income is exempt from income tax.

Furthermore, the savings account is considered a safe investment and is widely used to receive payments, transfers, among others.

However, even with the increase in the Selic rate, when it comes to investments, savings are not advantageous, as due to high inflation, the investor may lose purchasing power.

Conclusion

Now you know which are the best investments without Income Tax.

To increase your earnings, the ideal is that you diversify your asset portfolio and before investing, know exactly what your investor profile and financial goals are!