CDBs, LCIs and LCAs

Which of these investment options is NOT considered fixed rate investments?

• Savings Account

• LCIs

• CDBs

• None of the above

CDBs can be issued by...

• Real Estate Agents.

• Banks.

• B3 Stock Exchange.

• National Treasury.

DI Rate, which is very similar to SELIC, is a benchmark rate for investments in privately issued securities, such as CDBs, LCIs and LCAs.

• The statement is TRUE.

• The statement is FALSE.

Considering Selic rate at the current level (2.25% p.y.) and assuming DI Rate = Selic, which of these options will offer better net return during a 3 year investment?

• LCI paying 105% of DI Rate

• CDB paying 120% of DI Rate

• Savings Account

• Tesouro Direto 2023 SELIC + 0,3% p.y.

Why is an LCA an interesting investment? You can select more than one option.

• Security, as LCAs are issued by the National Treasury.

• Guaranteed by FGC up to R$ 250,000 per CPF.

• LCAs are free of Income Tax.

• Provides safe exposure to a sector that grows consistently.