{"id":245,"date":"2022-06-06T03:54:10","date_gmt":"2022-06-06T00:54:10","guid":{"rendered":"https:\/\/pilarinvestimentos.com.br\/?page_id=245"},"modified":"2023-08-21T11:51:30","modified_gmt":"2023-08-21T14:51:30","slug":"nossas_solucoes","status":"publish","type":"page","link":"https:\/\/pilarinvestimentos.com.br\/en\/nossas_solucoes\/","title":{"rendered":"Nossas Solu\u00e7\u00f5es"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”Header” _builder_version=”4.17.4″ _module_preset=”default” use_background_color_gradient=”on” background_color_gradient_type=”circular” background_color_gradient_stops=”#004183 0%|#001f4c 100%” background_color_gradient_start=”#004183″ background_color_gradient_end=”#001f4c” background_image=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/06\/cyber-security-18.png” parallax=”on” background_enable_pattern_style=”on” background_pattern_style=”cubes” overflow-x=”hidden” overflow-y=”hidden” custom_padding=”6vw|||||” locked=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.4″ _module_preset=”default” z_index=”9″ global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” text_font=”||||||||” header_font=”Overpass|900|||||||” header_font_size=”84px” background_layout=”dark” header_font_size_tablet=”54px” header_font_size_phone=”32px” header_font_size_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n

Nossas solu\u00e7\u00f5es<\/h1>\n

[\/et_pb_text][et_pb_text _builder_version=”4.16″ _module_preset=”default” text_font=”Overpass|300|||||||” text_font_size=”17px” text_line_height=”1.8em” background_layout=”dark” custom_padding=”||0px|||” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n

Na Pilar Investimentos voc\u00ea conta com uma plataforma de investimentos completa, com mais de 250 assets, mais de uma centena de op\u00e7\u00f5es di\u00e1rias de pap\u00e9is de cr\u00e9dito privado, bancos e t\u00edtulos p\u00fablicos. Al\u00e9m de uma variedade de opera\u00e7\u00f5es estruturadas com acesso aos mais renomados ativos do mercado global.<\/span><\/p>\n

[\/et_pb_text][et_pb_button button_url=”#abra” button_text=”Invista Agora” _builder_version=”4.21.0″ _module_preset=”default” custom_button=”on” button_text_size=”14px” button_text_color=”#ffffff” button_bg_color=”#1f7096″ button_border_width=”0px” button_border_radius=”0px” button_font=”Overpass|700||on|||||” custom_padding=”23px|30px|18px|30px|false|true” box_shadow_style=”preset2″ box_shadow_color=”rgba(23,102,193,0.46)” locked=”off” global_colors_info=”{}” box_shadow_color__hover=”#2585b2″ box_shadow_blur__hover_enabled=”on” box_shadow_blur__hover=”20px” box_shadow_vertical__hover_enabled=”on” box_shadow_vertical__hover=”10px” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#002743″ button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/06\/mao-com-grafico.png” 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header_font_size=”23px” header_line_height=”1.4em” body_font=”Overpass|300|||||||” body_line_height=”1.8em” background_color=”#ffffff” text_orientation=”center” custom_padding=”24px|20px|24px|20px|true|true” link_option_url=”#fixa” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset2″ box_shadow_color=”rgba(0,39,67,0.35)” image_max_width=”120px” image_max_width_tablet=”” image_max_width_phone=”50px” image_max_width_last_edited=”on|phone” locked=”off” global_colors_info=”{}” filter_brightness__hover_enabled=”on|hover” filter_brightness__hover=”92%” filter_hue_rotate__hover_enabled=”on|hover” filter_invert__hover_enabled=”on|hover”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Renda vari\u00e1vel” image=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/05\/icones-3-02.png” image_icon_width=”120px” image_icon_width_tablet=”120px” image_icon_width_phone=”50px” image_icon_width_last_edited=”on|phone” _builder_version=”4.17.4″ _module_preset=”default” header_font=”Overpass|900|||||||” header_font_size=”23px” header_line_height=”1.4em” body_font=”Overpass|300|||||||” body_line_height=”1.8em” background_color=”#ffffff” text_orientation=”center” custom_padding=”24px|20px|24px|20px|true|true” link_option_url=”#variavel” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset2″ box_shadow_color=”rgba(0,39,67,0.35)” image_max_width=”120px” image_max_width_tablet=”” image_max_width_phone=”50px” image_max_width_last_edited=”on|phone” locked=”off” global_colors_info=”{}” filter_hue_rotate__hover_enabled=”on|hover” filter_brightness__hover=”92%” filter_brightness__hover_enabled=”on|hover” filter_invert__hover_enabled=”on|hover”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Fundos de investimento” image=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/05\/icones-3-03.png” image_icon_width=”120px” image_icon_width_tablet=”120px” image_icon_width_phone=”50px” image_icon_width_last_edited=”on|phone” _builder_version=”4.17.4″ _module_preset=”default” header_font=”Overpass|900|||||||” header_font_size=”23px” header_line_height=”1.4em” body_font=”Overpass|300|||||||” body_line_height=”1.8em” background_color=”#ffffff” text_orientation=”center” custom_padding=”24px|20px|24px|20px|true|true” link_option_url=”#fundos” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset2″ box_shadow_color=”rgba(0,39,67,0.35)” image_max_width=”120px” image_max_width_tablet=”” image_max_width_phone=”50px” image_max_width_last_edited=”on|phone” locked=”off” global_colors_info=”{}” filter_hue_rotate__hover_enabled=”off|desktop” filter_brightness__hover=”92%” filter_brightness__hover_enabled=”on|hover” filter_invert__hover_enabled=”off|desktop”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Derivativos: ” image=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/06\/icones-3-04-04.png” alt=”\u00edcone de um cifr\u00e3o com um escudo representando derivativos” image_icon_width=”120px” image_icon_width_tablet=”120px” image_icon_width_phone=”50px” image_icon_width_last_edited=”on|phone” _builder_version=”4.17.4″ _module_preset=”default” header_font=”Overpass|900|||||||” header_font_size=”23px” header_line_height=”1.4em” body_font=”Overpass|300|||||||” body_line_height=”1.8em” background_color=”#ffffff” text_orientation=”center” custom_padding=”24px|20px|24px|20px|true|true” link_option_url=”#derivativos” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset2″ box_shadow_color=”rgba(0,39,67,0.35)” image_max_width=”120px” image_max_width_tablet=”” image_max_width_phone=”50px” image_max_width_last_edited=”on|phone” locked=”off” global_colors_info=”{}” filter_hue_rotate__hover_enabled=”off|desktop” filter_brightness__hover=”92%” filter_brightness__hover_enabled=”on|hover” filter_invert__hover_enabled=”off|desktop” filter_saturate__hover_enabled=”off|desktop”]<\/p>\n

Opera\u00e7\u00f5es estruturadas e mercados futuros<\/strong><\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Renda Fixa” module_id=”fixa” _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_row column_structure=”1_4,3_4″ _builder_version=”4.16″ _module_preset=”default” custom_margin=”|auto|26px|auto||” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/05\/icones-3-01.png” alt=”\u00edcone de um cifr\u00e3o com um cadeado representando renda fixa” title_text=”icones-3-01″ align_tablet=”center” align_phone=”center” align_last_edited=”on|desktop” _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.17.4″ _module_preset=”default” text_font=”Overpass|300|||||||” text_font_size=”17px” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”Overpass|900|||||||” header_2_font_size=”56px” header_2_line_height=”1.1em” header_3_font=”Overpass|600|||||||” header_3_text_color=”#00b4ff” header_3_font_size=”30px” header_3_line_height=”1.2em” text_orientation=”center” custom_margin=”||” custom_padding=”|||||” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|desktop” header_2_font_size_tablet=”38px” header_2_font_size_phone=”26px” header_2_font_size_last_edited=”on|desktop” header_3_font_tablet=”” header_3_font_phone=”Overpass|700|||||||” header_3_font_last_edited=”on|phone” header_3_font_size_tablet=”24px” header_3_font_size_phone=”18px” header_3_font_size_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n

\u00a0\u00a0<\/h3>\n

Renda Fixa<\/span><\/h2>\n

Na renda fixa o investidor \u00e9 um credor de um determinado emissor, que pode ser: governo, bancos, empresas comerciais, ind\u00fastrias, servi\u00e7os etc. O investidor empresta recursos para receber de volta no futuro.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.16″ _module_preset=”default” custom_margin=”|auto|26px|auto||” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”Letra de Cr\u00e9dito do Agroneg\u00f3cio e Imobili\u00e1ria (LCA e LCI)” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

As LCA e LCI, s\u00e3o t\u00edtulos emitidos por uma institui\u00e7\u00e3o financeira, utilizados para captar recursos para produtores do agroneg\u00f3cio (LCA) e para a carteira imobili\u00e1ria (LCI). Possuem isen\u00e7\u00e3o de Imposto de Renda para pessoas f\u00edsicas e s\u00e3o cobertos pelo FGC.<\/p>\n

[\/et_pb_toggle][et_pb_toggle title=”Certificados de Dep\u00f3sito Banc\u00e1rio (CDB)” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

S\u00e3o t\u00edtulos emitidos por institui\u00e7\u00f5es financeiras banc\u00e1rias para a capta\u00e7\u00e3o de recursos de investidores. Possuem cobertura pelo FGC e s\u00e3o tributados conforme al\u00edquota regressiva do Imposto de Renda.<\/p>\n

[\/et_pb_toggle][et_pb_toggle title=”Letras financeiras (LF)” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

Letras financeiras s\u00e3o t\u00edtulos emitidos por institui\u00e7\u00f5es financeiras, na pr\u00e1tica, o investidor empresta recursos aos bancos que, em contrapartida, devolvem essa quantia aplicada acrescida de uma remunera\u00e7\u00e3o, de acordo com o prazo do vencimento do t\u00edtulo e a remunera\u00e7\u00e3o pode variar em fun\u00e7\u00e3o do montante aplicado. N\u00e3o podem ser resgatados antes do per\u00edodo de 24 meses, s\u00e3o tributados em acordo com a tabela regressiva de Imposto de Renda e n\u00e3o possuem garantia pelo FGC.<\/p>\n

[\/et_pb_toggle][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”Certificado de Registro do Agroneg\u00f3cio e Imobili\u00e1rio (CRA e CRI)” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

S\u00e3o t\u00edtulos emitidos exclusivamente por companhias securitizadoras de direitos credit\u00f3rios do agroneg\u00f3cio (CRA) e de receb\u00edveis imobili\u00e1rios (CRI). S\u00e3o isentos de Imposto de Renda para pessoas f\u00edsicas, n\u00e3o contam com a cobertura do FGC.<\/p>\n

[\/et_pb_toggle][et_pb_toggle title=”Deb\u00eantures” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

As deb\u00eantures s\u00e3o valores mobili\u00e1rios de emiss\u00e3o de companhias abertas. S\u00e3o t\u00edtulos de d\u00edvida emitidos por empresas S\/A, estes pap\u00e9is podem ser isentos ou n\u00e3o de imposto de Renda e n\u00e3o contam com garantia do FGC.<\/p>\n

[\/et_pb_toggle][et_pb_toggle title=”T\u00edtulo P\u00fablico” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

T\u00edtulos com diferentes tipos de rentabilidade: prefixada, ligada \u00e0 varia\u00e7\u00e3o da infla\u00e7\u00e3o ou \u00e0 varia\u00e7\u00e3o da taxa de juros b\u00e1sica da economia \u2013 Selic. Possuem diferentes prazos de vencimento e diferentes fluxos de remunera\u00e7\u00e3o. N\u00e3o possuem cobertura pelo FGC e s\u00e3o tributados conforme al\u00edquota regressiva do Imposto de Renda.<\/p>\n

[\/et_pb_toggle][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”Pagamento de juros” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

Um t\u00edtulo de renda fixa pode prever o pagamento de juros de forma peri\u00f3dica (em datas fixas, semestralmente, anualmente, mensalmente etc.), ou, podem pagar os juros acumulados somente no vencimento do t\u00edtulo, estes s\u00e3o conhecidos como \u201ccupom zero\u201d.<\/p>\n

[\/et_pb_toggle][et_pb_toggle title=”Fundo Garantidor de Cr\u00e9dito (FGC)” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

Alguns ativos emitidos por institui\u00e7\u00f5es financeiras possuem prote\u00e7\u00e3o pelo FGC, que permite recuperar os dep\u00f3sitos ou cr\u00e9ditos mantidos em institui\u00e7\u00e3o financeira, at\u00e9 determinado valor, em caso de interven\u00e7\u00e3o, de liquida\u00e7\u00e3o ou de fal\u00eancia da institui\u00e7\u00e3o vinculada ao FGC.<\/p>\n

[\/et_pb_toggle][et_pb_toggle title=”Imposto de Renda” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

Fato Gerador <\/strong><\/p>\n

    \n
  • Resgate, venda, repactua\u00e7\u00e3o do t\u00edtulo etc.<\/li>\n
  • Pagamento de rendimentos peri\u00f3dicos.<\/li>\n
  • Convers\u00e3o das deb\u00eantures em a\u00e7\u00f5es. At\u00e9 a convers\u00e3o, a deb\u00eanture convers\u00edvel \u00e9 um t\u00edtulo de renda fixa.<\/li>\n
  • Resgate de opera\u00e7\u00f5es que combinam diversos produtos (como opera\u00e7\u00f5es com derivativos) para permitir a obten\u00e7\u00e3o de rendimentos prefixados.<\/li>\n<\/ul>\n

    Base de C\u00e1lculo: <\/strong>Rendimento da opera\u00e7\u00e3o, ap\u00f3s o desconto do IOF.<\/p>\n

    Al\u00edquota Regressiva<\/strong>: de 15,00% a 22,50% sobre o rendimento, ap\u00f3s dedu\u00e7\u00e3o do IOF, dependendo do prazo da aplica\u00e7\u00e3o: <\/o:p><\/p>\n

      \n
    • prazo at\u00e9 180 dias: 22,50%;<\/li>\n
    • prazo de 181 at\u00e9 360 dias: 20,00%;<\/li>\n
    • prazo de 361 at\u00e9 720 dias: 17,50%;<\/li>\n
    • prazo acima de 720 dias: 15,00%.<\/li>\n<\/ul>\n

      [\/et_pb_toggle][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Renda Vari\u00e1vel” module_id=”variavel” _builder_version=”4.17.4″ _module_preset=”default” collapsed=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_4,3_4″ admin_label=”Row” _builder_version=”4.16″ _module_preset=”default” custom_margin=”|auto|26px|auto||” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/05\/icones-3-02.png” alt=”\u00edcone de um gr\u00e1fico de barras representando renda vari\u00e1vel” title_text=”icones-3-02″ align_tablet=”center” align_phone=”center” align_last_edited=”on|desktop” _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” text_font=”Overpass|300|||||||” text_font_size=”17px” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”Overpass|900|||||||” header_2_font_size=”56px” header_2_line_height=”1.1em” header_3_font=”Overpass|600|||||||” header_3_text_color=”#00b4ff” header_3_font_size=”30px” header_3_line_height=”1.2em” text_orientation=”center” custom_margin=”||” custom_padding=”||0px|||” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|desktop” header_2_font_size_tablet=”38px” header_2_font_size_phone=”26px” header_2_font_size_last_edited=”on|desktop” header_3_font_tablet=”” header_3_font_phone=”Overpass|700|||||||” header_3_font_last_edited=”on|phone” header_3_font_size_tablet=”24px” header_3_font_size_phone=”18px” header_3_font_size_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n

      <\/h3>\n

      Renda Vari\u00e1vel<\/span><\/h2>\n

      Especialistas em Investimentos de Renda Vari\u00e1vel<\/h3>\n

      Para alcan\u00e7ar maior estabilidade e obter resultados superiores, \u00e9 essencial diversificar suas aplica\u00e7\u00f5es financeiras. A Pilar Investimentos tem como base a expertise na Bolsa de Valores e nos investimentos em renda vari\u00e1vel como um todo, juntamente com uma equipe de assessores altamente competente, pronta para trabalhar em benef\u00edcio do seu sucesso.<\/p>\n

      [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.16″ _module_preset=”default” custom_margin=”|auto|26px|auto||” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”Imposto de renda em opera\u00e7\u00f5es de Renda Vari\u00e1vel” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

      Antecipa\u00e7\u00e3o de 0,005% e total de 15% sobre o valor total das vendas de a\u00e7\u00f5es em um determinado m\u00eas, quando superior a R$ 20.000,00, vendas abaixo deste montante, ser\u00e3o isentas de IR.<\/p>\n

      Para opera\u00e7\u00f5es de DAY TRADE<\/em>, a antecipa\u00e7\u00e3o \u00e9 de 1% e o total \u00e9 de 20% sobre o valor total das vendas de a\u00e7\u00f5es. Considera-se Day Trade<\/em> o conjunto de opera\u00e7\u00f5es iniciadas e encerradas em um mesmo dia.<\/p>\n

      Considera-se Day trade o conjunto de opera\u00e7\u00f5es iniciadas e encerradas em um mesmo dia de um mesmo ativo.<\/p>\n

       <\/p>\n

      [\/et_pb_toggle][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”Compensa\u00e7\u00e3o de perdas com ganhos em opera\u00e7\u00f5es de renda vari\u00e1vel” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

      Para fins de c\u00e1lculo e pagamento do imposto de renda mensal sobre os ganhos l\u00edquidos nas opera\u00e7\u00f5es de renda vari\u00e1vel, as perdas nos mercados \u00e0 vista, de op\u00e7\u00f5es, futuros, a termo e assemelhados poder\u00e3o ser compensadas com os ganhos l\u00edquidos alcan\u00e7ados no pr\u00f3prio m\u00eas ou nos meses seguintes, conseguidos em outras opera\u00e7\u00f5es realizadas em qualquer uma das modalidades operacionais previstas naqueles mercados.<\/p>\n

      [\/et_pb_toggle][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”Calculadora de Imposto de Renda ” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

      Investiu em a\u00e7\u00f5es?<\/strong>
      A declara\u00e7\u00e3o de IR \u00e9 obrigat\u00f3ria!<\/strong>
      A calculadora de Imposto de Renda auxilia voc\u00ea na apura\u00e7\u00e3o autom\u00e1tica de lucros e preju\u00edzos para voc\u00ea n\u00e3o perder tempo ou ter qualquer inseguran\u00e7a com seu imposto mensal. \u00c9 poss\u00edvel ter tudo integrado automaticamente se seus ativos estiverem custodiados no modalmais ou se voc\u00ea inserir notas de corretagem de outras corretoras na calculadora. O restante a ferramenta faz sozinha.<\/p>\n

      [\/et_pb_toggle][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” prev_background_color=”#ffffff” admin_label=”Universo Trader” _builder_version=”4.17.4″ _module_preset=”default” use_background_color_gradient=”on” background_color_gradient_type=”circular” background_color_gradient_direction_radial=”top right” background_color_gradient_stops=”#1f7096 0%|#002743 100%” background_color_gradient_start=”#00ffd8″ background_color_gradient_end=”#0029e2″ background_image=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/06\/grafico-vela.png” parallax=”on” custom_margin=”0px||||false|false” custom_padding=”0px||0px|||” custom_padding_tablet=”||24vw” custom_padding_phone=”34px||||false|false” top_divider_style=”slant2″ top_divider_height=”26vw” top_divider_flip=”horizontal” background_last_edited=”on|desktop” background_image_tablet=”http:\/\/zaib.sandbox.etdevs.com\/divi\/wp-content\/uploads\/sites\/2\/2019\/06\/cyber-security-09.png” background_enable_image_tablet=”on” locked=”off” collapsed=”on” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ module_id=”trader” _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”18vw||” custom_padding_tablet=”0vw||” custom_padding_phone=”” custom_padding_last_edited=”on|desktop” global_colors_info=”{}”][et_pb_text _builder_version=”4.17.4″ _module_preset=”default” text_font=”||||||||” text_text_color=”#FFFFFF” header_2_font=”Overpass|900|||||||” header_2_font_size=”56px” header_2_line_height=”1.1em” header_3_font=”Overpass|600|||||||” header_3_font_size=”30px” header_3_line_height=”1.2em” background_layout=”dark” custom_margin=”-111px|||||” text_text_color_tablet=”#000000″ text_text_color_phone=”#0C71C3″ text_text_color_last_edited=”on|tablet” text_font_size_phone=”19px” text_font_size_last_edited=”off|phone” header_2_font_size_tablet=”38px” header_2_font_size_phone=”26px” header_2_font_size_last_edited=”on|desktop” header_3_font_tablet=”” header_3_font_phone=”Overpass|700|||||||” header_3_font_last_edited=”on|phone” header_3_font_size_tablet=”24px” header_3_font_size_phone=”18px” header_3_font_size_last_edited=”on|desktop” background_layout_tablet=”light” background_layout_phone=”light” background_layout_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n

      <\/h3>\n

      Universo Trader<\/h2>\n

      [\/et_pb_text][et_pb_divider color=”#00b4ff” divider_weight=”2px” _builder_version=”4.16″ _module_preset=”default” width=”100px” custom_margin=”||0px” global_colors_info=”{}”][\/et_pb_divider][et_pb_text _builder_version=”4.16″ _module_preset=”default” text_font=”Overpass|300|||||||” text_font_size=”17px” text_line_height=”1.8em” background_layout=”dark” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n

      Opere em alta performance e alcance resultados mais consistentes com a XP Investimentos:<\/p>\n

        \n
      • Acesso gratuito \u00e0s plataformas Profit, MetaTrader e Tryd PRO e muito mais…<\/li>\n
      • Corretagem ZERO para WIN e WDO<\/li>\n
      • Cockpit Trader<\/li>\n
      • Smartbot<\/li>\n
      • Aplicativo XP Trader<\/li>\n
      • Zeragem de p\u00e2nico r\u00e1pida<\/li>\n
      • Clube Arena Trader XP<\/li>\n<\/ul>\n

         <\/p>\n

        [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”A\u00e7\u00f5es ordin\u00e1rias” closed_toggle_text_color=”#FFFFFF” closed_toggle_background_color=”#1f7096″ icon_color=”#FFFFFF” open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” closed_title_font=”|700|||||||” box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

        D\u00e3o direito a voto nas assembleias gerais e participa\u00e7\u00e3o, n\u00e3o preferencial, na distribui\u00e7\u00e3o de resultados da companhia.<\/p>\n

        [\/et_pb_toggle][et_pb_toggle title=”BDRs ou Brazilian Depositary Receipts” closed_toggle_text_color=”#FFFFFF” closed_toggle_background_color=”#1f7096″ icon_color=”#FFFFFF” open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” closed_title_font=”|700|||||||” box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

        S\u00e3o certificados lastreados em valores mobili\u00e1rios de emiss\u00e3o de companhias abertas ou assemelhadas, com sede no exterior, emitidos por institui\u00e7\u00e3o deposit\u00e1ria no Brasil e negociados na B3.<\/p>\n

        [\/et_pb_toggle][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”A\u00e7\u00f5es preferenciais” closed_toggle_text_color=”#FFFFFF” closed_toggle_background_color=”#1f7096″ icon_color=”#FFFFFF” open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” closed_title_font=”|700|||||||” box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

        Sem direito a voto nas assembleias, t\u00eam prioridade no recebimento dos dividendos e prioridade no reembolso de capital, no caso da liquida\u00e7\u00e3o da companhia.<\/p>\n

        [\/et_pb_toggle][et_pb_toggle title=”B\u00f4nus de subscri\u00e7\u00e3o” closed_toggle_text_color=”#FFFFFF” closed_toggle_background_color=”#1f7096″ icon_color=”#FFFFFF” open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” closed_title_font=”|700|||||||” box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

        S\u00e3o t\u00edtulos negoci\u00e1veis emitidos por empresas S.A., dentro do limite de capital autorizado no estatuto, que conferem aos seus titulares o direito de subscrever a\u00e7\u00f5es do capital social.<\/p>\n

        [\/et_pb_toggle][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”ADRs ou American Depositary Receipts” closed_toggle_text_color=”#FFFFFF” closed_toggle_background_color=”#1f7096″ icon_color=”#FFFFFF” open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” closed_title_font=”|700|||||||” box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

        S\u00e3o certificados de dep\u00f3sitos representativos de valores mobili\u00e1rios, emitidos por companhias de um determinado pa\u00eds, que n\u00e3o os EUA, e negociados no mercado norte-americano.<\/p>\n

        [\/et_pb_toggle][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_divider show_divider=”off” _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Derivativos” module_id=”derivativos” _builder_version=”4.17.4″ _module_preset=”default” collapsed=”on” global_colors_info=”{}”][et_pb_row column_structure=”1_4,3_4″ admin_label=”Row” _builder_version=”4.16″ _module_preset=”default” custom_margin=”|auto|26px|auto||” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/06\/icones-3-04-04-e1654449725918.png” alt=”\u00edcone de um cifr\u00e3o com um escudo representando derivativos” title_text=”icones-3-04-04″ align_tablet=”center” align_phone=”center” align_last_edited=”on|desktop” _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.17.4″ _module_preset=”default” text_font=”Overpass|300|||||||” text_font_size=”17px” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”Overpass|900|||||||” header_2_font_size=”56px” header_2_line_height=”1.1em” header_3_font=”Overpass|600|||||||” header_3_text_color=”#00b4ff” header_3_font_size=”30px” header_3_line_height=”1.2em” text_orientation=”center” custom_margin=”||” custom_padding=”|||||” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|desktop” header_2_font_size_tablet=”38px” header_2_font_size_phone=”26px” header_2_font_size_last_edited=”on|desktop” header_3_font_tablet=”” header_3_font_phone=”Overpass|700|||||||” header_3_font_last_edited=”on|phone” header_3_font_size_tablet=”24px” header_3_font_size_phone=”18px” header_3_font_size_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n

        Derivativos<\/span><\/h2>\n

        Opera\u00e7\u00f5es estruturadas e mercados futuros\u00a0\u00a0<\/h3>\n

        Derivativos s\u00e3o instrumentos financeiros cujo valor de refer\u00eancia \u00e9 derivado do valor de um ativo. \u00c9 um conceito bastante abstrato, mas que faz sentido quando consideramos a sua atua\u00e7\u00e3o como hedge, os derivativos nos ajudam a prevenir adversidades futuras ou obter lucros, a ideia \u00e9 negociar hoje, o pre\u00e7o que os ativos ir\u00e3o atingir em datas futuras, apoiados em proje\u00e7\u00f5es de mercado.<\/p>\n

        [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ _module_preset=”default” custom_margin=”|auto|26px|auto||” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”Certificado de Opera\u00e7\u00e3o Estruturada (COE)” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

        O Certificado de Opera\u00e7\u00f5es Estruturadas (COE) \u00e9 um investimento que mescla ativos de renda fixa ou renda vari\u00e1vel com derivativos. Normalmente, \u00e9 estruturado com base em cen\u00e1rios de ganhos e perdas selecionados de acordo com o perfil de cada investidor. Ao criar o COE, o emissor estrutura cen\u00e1rios para o desempenho de um ativo ou indexador, que pode ser tanto nacional como internacional, podendo garantir eventual ganho ao investidor, caso esse cen\u00e1rio se concretize.<\/p>\n

        Uma das vantagens do COE \u00e9 a possibilidade de investir em instrumentos mais complexos e sofisticados em diferentes mercados, j\u00e1 que o banco emissor se encarrega da sele\u00e7\u00e3o e operacionaliza\u00e7\u00e3o. Dessa forma, tamb\u00e9m oferece o benef\u00edcio da diversifica\u00e7\u00e3o do investimento em diferentes instrumentos por meio de um \u00fanico produto.<\/p>\n

         <\/p>\n

        [\/et_pb_toggle][et_pb_toggle title=”Swaps” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

        S\u00e3o contratos que envolvem uma troca de indexadores entre duas partes, ou seja, consiste em um acordo para trocarem o risco de uma posi\u00e7\u00e3o ativa (credora) ou passiva (devedora) em data futura, conforme contratos preestabelecidos.<\/o:p><\/p>\n

        Sua estrutura \u00e9 semelhante aos contratos a termo e n\u00e3o existe um ambiente formal de negocia\u00e7\u00e3o, sendo registrados na Clearing<\/em> da bolsa (B3).<\/o:p>\u00a0<\/p>\n

        [\/et_pb_toggle][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”Contrato a termo” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

        \u00c9 o derivativo em que duas partes assumem um compromisso de compra ou venda de um determinado ativo financeiro em uma data futura, a um pre\u00e7o preestabelecido.<\/p>\n

        [\/et_pb_toggle][et_pb_toggle title=”Contrato futuro” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

        As opera\u00e7\u00f5es no mercado futuro s\u00e3o semelhantes ao mercado a termo, por\u00e9m, estes s\u00e3o negociadas em bolsa, seguindo uma padroniza\u00e7\u00e3o espec\u00edfica com rela\u00e7\u00e3o \u00e0s suas caracter\u00edsticas e vencimentos. Esses contratos possuem ajuste di\u00e1rio de seus valores, o que possibilita a liquida\u00e7\u00e3o financeira di\u00e1ria de ganhos e perdas das posi\u00e7\u00f5es. Por outro lado, os participantes precisam depositar garantias que sejam aceitas pela bolsa para poderem realizar suas transa\u00e7\u00f5es.<\/o:p><\/p>\n

        No Brasil, o mercado futuro fica concentrado na B3, que oferece diversos contratos, tanto para ativos financeiros de renda fixa quanto de renda vari\u00e1vel, moedas e commodities<\/em>.<\/o:p><\/p>\n

        [\/et_pb_toggle][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.4″ _module_preset=”default” custom_padding=”2%|18px||25px|false|false” border_width_all=”1px” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

        Mercado de op\u00e7\u00f5es<\/span><\/strong><\/span><\/p>\n

        No mercado de op\u00e7\u00f5es, voc\u00ea negocia o direito de comprar ou vender ativos de Bolsa de Valores, com pre\u00e7os e prazos preestabelecidos. Esse tipo de mercado \u00e9 ideal para quem deseja proteger seu capital contra poss\u00edveis preju\u00edzos, j\u00e1 que a Bolsa de Valores est\u00e1 sujeita a oscila\u00e7\u00f5es.<\/p>\n

        [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”Op\u00e7\u00e3o de Compra (Call)” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

        A Op\u00e7\u00e3o de Compra (Call) d\u00e1 o direito ao seu titular de compra de um determinado ativo pelo pre\u00e7o de exerc\u00edcio estabelecido na data de contrata\u00e7\u00e3o da op\u00e7\u00e3o. Nesta op\u00e7\u00e3o, o comprador pode exercer o direito de exerc\u00edcio a qualquer momento, at\u00e9 a data de vencimento do contrato.<\/p>\n

        O vendedor (lan\u00e7ador) negocia esta op\u00e7\u00e3o mediante o recebimento de parte do valor do contrato de op\u00e7\u00e3o. Nesta opera\u00e7\u00e3o, o vendedor (lan\u00e7ador) assume o compromisso de vender o ativo para o comprador na data de exerc\u00edcio definida.<\/p>\n

        [\/et_pb_toggle][et_pb_toggle title=”Op\u00e7\u00e3o de venda (Put)” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

        O comprador (titular), ao adquirir esta op\u00e7\u00e3o (put), possui o direito de vender o ativo-objeto pelo pre\u00e7o estipulado no momento do contrato da op\u00e7\u00e3o. Isso significa que, independentemente do pre\u00e7o que estiver o ativo na data de exerc\u00edcio, o valor de venda ser\u00e1 o acordado na data do contrato da op\u00e7\u00e3o.<\/p>\n

        [\/et_pb_toggle][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Fundos” module_id=”fundos” _builder_version=”4.17.4″ _module_preset=”default” collapsed=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_4,3_4″ admin_label=”Row” _builder_version=”4.17.4″ _module_preset=”default” custom_margin=”|auto|26px|auto||” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/05\/icones-3-03.png” alt=”\u00edcone de um cifr\u00e3o e uma edifica\u00e7\u00e3o representando Fundos de investimentos” title_text=”icones-3-03″ align_tablet=”center” align_phone=”center” align_last_edited=”on|phone” _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.17.4″ _module_preset=”default” text_font=”Overpass|300|||||||” text_font_size=”17px” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”Overpass|900|||||||” header_2_font_size=”56px” header_2_line_height=”1.1em” header_3_font=”Overpass|600|||||||” header_3_text_color=”#00b4ff” header_3_font_size=”30px” header_3_line_height=”1.2em” text_orientation=”center” custom_margin=”||” custom_padding=”|||||” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|desktop” header_2_font_size_tablet=”38px” header_2_font_size_phone=”26px” header_2_font_size_last_edited=”on|desktop” header_3_font_tablet=”” header_3_font_phone=”Overpass|700|||||||” header_3_font_last_edited=”on|phone” header_3_font_size_tablet=”24px” header_3_font_size_phone=”18px” header_3_font_size_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n

        \u00a0\u00a0<\/h3>\n

        Fundos de Investimentos<\/span><\/h2>\n

        Fundos s\u00e3o a maior ind\u00fastria de investimentos do Brasil, naturalmente diversificada, possibilita a aloca\u00e7\u00e3o de recursos em diferentes classes de ativos. N\u00f3s distribu\u00edmos mais de 250 Assets em nosso portf\u00f3lio de fundos.<\/p>\n

        [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.17.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” hover_enabled=”0″ locked=”off” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

        Arquitetura Aberta<\/span><\/strong><\/span><\/p>\n

        Na XP Investimentos voc\u00ea encontra as maiores e mais conceituadas Assets brasileiras e internacionais, n\u00f3s distribu\u00edmos mais de 250 Assets em nosso portf\u00f3lio, dentre elas:<\/p>\n

        [\/et_pb_text][\/et_pb_column][et_pb_column type=”2_5″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.17.4″ _module_preset=”default” text_font=”|700|||||||” text_text_color=”#1f7096″ text_font_size=”17px” custom_margin=”||2px||false|false” global_colors_info=”{}”]<\/p>\n

        Mais de<\/strong><\/p>\n

        [\/et_pb_text][et_pb_number_counter title=”Assets” number=”250″ percent_sign=”off” _builder_version=”4.17.4″ _module_preset=”default” title_font=”|700|||||||” title_text_color=”#1f7096″ title_line_height=”0em” number_font=”|700|||||||” number_text_color=”#002743″ custom_margin=”||||false|false” global_colors_info=”{}”][\/et_pb_number_counter][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_5,1_5,1_5,1_5,1_5″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_5″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/06\/ARX-Investimentos.jpg” title_text=”ARX-Investimentos” _builder_version=”4.17.4″ _module_preset=”default” custom_margin=”||9%||false|false” global_colors_info=”{}”][\/et_pb_image][et_pb_image src=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/06\/Credit-Suisse.jpg” title_text=”Credit-Suisse” _builder_version=”4.17.4″ _module_preset=”default” custom_margin=”||9%||false|false” global_colors_info=”{}”][\/et_pb_image][et_pb_image src=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/06\/Opportunity.jpg” title_text=”Opportunity” _builder_version=”4.17.4″ _module_preset=”default” custom_margin=”||9%||false|false” global_colors_info=”{}”][\/et_pb_image][et_pb_image src=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/06\/Verde-Asset-Management.jpg” title_text=”Verde-Asset-Management” _builder_version=”4.17.4″ _module_preset=”default” custom_margin=”||9%||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/06\/AZ-Quest.jpg” title_text=”AZ-Quest” _builder_version=”4.17.4″ _module_preset=”default” custom_margin=”||9%||false|false” global_colors_info=”{}”][\/et_pb_image][et_pb_image src=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/06\/JGP.jpg” title_text=”JGP” _builder_version=”4.17.4″ _module_preset=”default” custom_margin=”||9%||false|false” global_colors_info=”{}”][\/et_pb_image][et_pb_image src=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/06\/Pimco.jpg” title_text=”Pimco” _builder_version=”4.17.4″ _module_preset=”default” custom_margin=”||9%||false|false” global_colors_info=”{}”][\/et_pb_image][et_pb_image src=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/06\/Vinci-Partners.jpg” title_text=”Vinci-Partners” _builder_version=”4.17.4″ _module_preset=”default” custom_margin=”||9%||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/06\/Brasil-Plural.jpg” title_text=”Brasil-Plural” _builder_version=”4.17.4″ _module_preset=”default” custom_margin=”||9%||false|false” global_colors_info=”{}”][\/et_pb_image][et_pb_image src=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/06\/Kapitalo-Investimentos.jpg” title_text=”Kapitalo-Investimentos” _builder_version=”4.17.4″ _module_preset=”default” custom_margin=”||9%||false|false” global_colors_info=”{}”][\/et_pb_image][et_pb_image src=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/06\/Quantitas.jpg” title_text=”Quantitas” _builder_version=”4.17.4″ _module_preset=”default” custom_margin=”||9%||false|false” global_colors_info=”{}”][\/et_pb_image][et_pb_image src=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/06\/Western-Asset.jpg” title_text=”Western-Asset” _builder_version=”4.17.4″ _module_preset=”default” custom_margin=”||9%||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/06\/BTG-Pactual.jpg” title_text=”BTG-Pactual” admin_label=”Image” _builder_version=”4.17.4″ _module_preset=”default” custom_margin=”||9%||false|false” global_colors_info=”{}”][\/et_pb_image][et_pb_image src=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/06\/Kinea.jpg” title_text=”Kinea” admin_label=”Image” _builder_version=”4.17.4″ _module_preset=”default” custom_margin=”||9%||false|false” global_colors_info=”{}”][\/et_pb_image][et_pb_image src=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/06\/Rio-Bravo.jpg” title_text=”Rio-Bravo” admin_label=”Image” _builder_version=”4.17.4″ _module_preset=”default” custom_margin=”||9%||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/06\/Claritas.jpg” title_text=”Claritas” admin_label=”Image” _builder_version=”4.17.4″ _module_preset=”default” custom_margin=”||9%||false|false” global_colors_info=”{}”][\/et_pb_image][et_pb_image src=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/06\/Legacy-Capital.jpg” title_text=”Legacy-Capital” admin_label=”Image” _builder_version=”4.17.4″ _module_preset=”default” custom_margin=”||9%||false|false” global_colors_info=”{}”][\/et_pb_image][et_pb_image src=”https:\/\/pilarinvestimentos.com.br\/wp-content\/uploads\/2022\/06\/Trigono-Capital.jpg” title_text=”Trigono-Capital” admin_label=”Image” _builder_version=”4.17.4″ _module_preset=”default” custom_margin=”||9%||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.16″ _module_preset=”default” custom_margin=”|auto|26px|auto||” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”Fundo de Investimento em Cotas (FIC)” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

        Este fundo investe seus recursos em cotas de outros fundos de investimento j\u00e1 constitu\u00eddos. \u00c9 um meio bastante comum de aplica\u00e7\u00e3o de recursos.\u00a0<\/p>\n

        [\/et_pb_toggle][et_pb_toggle title=”Fundo de A\u00e7\u00f5es” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

        Nos fundos de a\u00e7\u00f5es, o gestor deve aplicar no m\u00ednimo 67% do patrim\u00f4nio do fundo em a\u00e7\u00f5es, b\u00f4nus ou recibos de subscri\u00e7\u00e3o, certificados de dep\u00f3sito de a\u00e7\u00f5es, cotas de fundos de a\u00e7\u00f5es, cotas dos fundos de \u00edndice de a\u00e7\u00f5es ou BDR N\u00edvel II e III.<\/p>\n

        [\/et_pb_toggle][et_pb_toggle title=”Fundo de Investimento em Direito Credit\u00f3rio (FIDC) ” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

        Esses fundos s\u00e3o constitu\u00eddos por t\u00edtulos de cr\u00e9dito origin\u00e1rios de opera\u00e7\u00f5es realizadas nas institui\u00e7\u00f5es financeiras, na ind\u00fastria, em opera\u00e7\u00f5es de arrendamento mercantil, hipotecas, presta\u00e7\u00e3o de servi\u00e7os e outros t\u00edtulos que possam ser admitidos como direito de cr\u00e9dito pela Comiss\u00e3o de Valores Mobili\u00e1rios.<\/p>\n

        [\/et_pb_toggle][et_pb_toggle title=”Fundo de Investimento Imobili\u00e1rio (FII) ” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

        S\u00e3o fundos constitu\u00eddos sob a forma de condom\u00ednio fechado, com prazo de dura\u00e7\u00e3o determinado ou indeterminado, destinam-se \u00e0 aplica\u00e7\u00e3o em empreendimentos imobili\u00e1rios, o que inclui, al\u00e9m da aquisi\u00e7\u00e3o de direitos reais sobre bens im\u00f3veis, o investimento em t\u00edtulos relacionados ao mercado imobili\u00e1rio, como Letras de Cr\u00e9dito Imobili\u00e1rio (LCIs), Letras Hipotec\u00e1rias (LHs), cotas de outros FII, Certificados de Potencial Adicional de Constru\u00e7\u00e3o (Cepacs), Certificados de Receb\u00edveis Imobili\u00e1rios (CRIs), e outros ativos previstos na regulamenta\u00e7\u00e3o da CVM.<\/p>\n

        [\/et_pb_toggle][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”Fundos fechados” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

        S\u00e3o fundos com quantidade limitada de cotas e a capta\u00e7\u00e3o \u00e9 realizada durante um per\u00edodo predeterminado. O resgate de cotas se d\u00e1 ao t\u00e9rmino do prazo de dura\u00e7\u00e3o do fundo ou em virtude da sua eventual liquida\u00e7\u00e3o.
        Alguns fundos fechados t\u00eam suas cotas negociadas em bolsa de valores. Aqui no Brasil a B3 tem uma quantidade muito grande de fundos de \u00edndice e fundos imobili\u00e1rios, que s\u00e3o os principais fundos fechados, dispon\u00edveis para negocia\u00e7\u00e3o dos cotistas.<\/p>\n

        [\/et_pb_toggle][et_pb_toggle title=”Fundo de Renda Fixa” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

        O gestor desta classe de fundos dever\u00e1, obrigatoriamente, investir no m\u00ednimo 80% da carteira do fundo em ativos relacionados \u00e0 varia\u00e7\u00e3o da taxa de juros e\/ou de \u00edndice de pre\u00e7os.
        Podem tamb\u00e9m receber algumas subclassifica\u00e7\u00f5es, em fun\u00e7\u00e3o da composi\u00e7\u00e3o de sua carteira:<\/p>\n

          \n
        • Curto Prazo;<\/li>\n
        • Referenciado;<\/li>\n
        • Simples;<\/li>\n
        • D\u00edvida Externa.<\/li>\n<\/ul>\n

          [\/et_pb_toggle][et_pb_toggle title=”Fundo de Investimento em Participa\u00e7\u00f5es (FIP) ” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

          Fundos constitu\u00eddos sob a forma de condom\u00ednio fechado, s\u00e3o recursos destinados \u00e0 aquisi\u00e7\u00e3o de a\u00e7\u00f5es, b\u00f4nus de subscri\u00e7\u00e3o, deb\u00eantures simples, outros t\u00edtulos e valores mobili\u00e1rios convers\u00edveis ou permut\u00e1veis em a\u00e7\u00f5es de emiss\u00e3o de companhias, abertas ou fechadas, bem como t\u00edtulos e valores mobili\u00e1rios representativos de participa\u00e7\u00e3o em sociedades limitadas. <\/p>\n

          [\/et_pb_toggle][et_pb_toggle title=”Fundo cambial” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

          \u00c9 recomendado para investidores que buscam preservar o poder de compra de seu patrim\u00f4nio em moeda estrangeira ao longo do tempo. Indicado tamb\u00e9m para empresas que necessitam fazer hedge<\/i> (prote\u00e7\u00e3o) no caso de possu\u00edrem d\u00edvidas em moeda estrangeira.<\/o:p><\/p>\n

          Estes fundos devem possuir no m\u00ednimo de 80% em ativos relacionados \u00e0 varia\u00e7\u00e3o de pre\u00e7os de moeda estrangeira ou de cupom cambial, em acordo com o mandato do fundo.<\/o:p><\/p>\n

          [\/et_pb_toggle][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”Fundo Multimercado” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

          Nesta classe de fundos, \u00e9 poss\u00edvel diversificar os ativos em v\u00e1rios fatores de risco, sem compromisso de concentra\u00e7\u00e3o e nenhuma classe de ativo espec\u00edfica.<\/p>\n

          [\/et_pb_toggle][et_pb_toggle title=”Fundo de cr\u00e9dito privado” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.17.4″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

          Para ser considerado um fundo de Cr\u00e9dito Privado, o fundo deve constar em seu regulamento a possibilidade de ter mais de 50% em t\u00edtulos de emissores privados. Normalmente, est\u00e3o na classifica\u00e7\u00e3o de fundos de investimento de renda fixa, mas tamb\u00e9m podem estar nas categorias de multimercado e cambial.<\/p>\n

          [\/et_pb_toggle][et_pb_toggle title=”Fundo de Investimento em \u00cdndice de Mercado Exchange-traded Funds (ETF)” open_toggle_text_color=”#1f7096″ icon_color=”#1f7096″ open_icon_color=”#1f7096″ _builder_version=”4.21.0″ _module_preset=”default” title_text_color=”#1f7096″ title_font=”|700|||||||” title_line_height=”1.4em” border_color_all=”#1f7096″ box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

          Os Fundos de \u00cdndice \u2013 tamb\u00e9m conhecidos como Exchange-traded Funds<\/em> (ETFs) \u2013 s\u00e3o constitu\u00eddos na forma de um condom\u00ednio aberto. Seus recursos s\u00e3o destinados \u00e0 aplica\u00e7\u00e3o em carteira de t\u00edtulos e valores mobili\u00e1rios que visem refletir as varia\u00e7\u00f5es e rentabilidade de um \u00edndice de refer\u00eancia (benchmark<\/em>), ou seja, um \u00edndice de mercado espec\u00edfico reconhecido pela Comiss\u00e3o de Valores Mobili\u00e1rios, ao qual a pol\u00edtica de investimento do fundo esteja associada. <\/o:p><\/p>\n

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          Invista agora<\/span><\/h2>\n

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          Nossas solu\u00e7\u00f5esNa Pilar Investimentos voc\u00ea conta com uma plataforma de investimentos completa, com mais de 250 assets, mais de uma centena de op\u00e7\u00f5es di\u00e1rias de pap\u00e9is de cr\u00e9dito privado, bancos e t\u00edtulos p\u00fablicos. Al\u00e9m de uma variedade de opera\u00e7\u00f5es estruturadas com acesso aos mais renomados ativos do mercado global.Opera\u00e7\u00f5es estruturadas e mercados futuros\u00a0\u00a0 Renda Fixa […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-245","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/pilarinvestimentos.com.br\/en\/wp-json\/wp\/v2\/pages\/245","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pilarinvestimentos.com.br\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/pilarinvestimentos.com.br\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/pilarinvestimentos.com.br\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pilarinvestimentos.com.br\/en\/wp-json\/wp\/v2\/comments?post=245"}],"version-history":[{"count":59,"href":"https:\/\/pilarinvestimentos.com.br\/en\/wp-json\/wp\/v2\/pages\/245\/revisions"}],"predecessor-version":[{"id":2108,"href":"https:\/\/pilarinvestimentos.com.br\/en\/wp-json\/wp\/v2\/pages\/245\/revisions\/2108"}],"wp:attachment":[{"href":"https:\/\/pilarinvestimentos.com.br\/en\/wp-json\/wp\/v2\/media?parent=245"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}