{"id":381540,"date":"2022-11-09T06:15:00","date_gmt":"2022-11-09T09:15:00","guid":{"rendered":"https:\/\/investnews.com.br\/?p=381540"},"modified":"2025-09-01T11:21:43","modified_gmt":"2025-09-01T14:21:43","slug":"como-comparar-cdb-com-lci-ou-lca","status":"publish","type":"post","link":"https:\/\/investnews.com.br\/financas\/como-comparar-cdb-com-lci-ou-lca\/","title":{"rendered":"Como comparar CDB com LCI ou LCA?"},"content":{"rendered":"\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"O que \u00e9 mais rent\u00e1vel: CDB, LCI OU LCA?\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/K81XQiGRLpo?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p>Com a perman\u00eancia da taxa de juros em 13,75% ao ano, investir em renda fixa continua sendo atrativo. E para o investidor que busca aplica\u00e7\u00f5es mais segura, os CDBs, LCIs e LCAs s\u00e3o indicados por analistas de <strong>renda fixa. <\/strong><\/p>\n\n\n\n<p>Os <a class=\"rank-math-link\" href=\"https:\/\/investnews.com.br\/guias\/cdb-o-que-e\/\">CDBs <\/a>&#8211; que s\u00e3o t\u00edtulos emitidos por bancos &#8211; t\u00eam remunera\u00e7\u00f5es distintas, mas \u00e9 comum encontrar t\u00edtulos com retorno de pelo menos 100% do CDI (taxa que se aproxima da Selic). Mas n\u00e3o \u00e9 raro encontrar remunera\u00e7\u00e3o acima desse percentual. <\/p>\n\n\n\n<p>No entanto, um &#8216;plus&#8217; distingue as Letras de Cr\u00e9dito Imobili\u00e1rio ou do Agroneg\u00f3cio dos Certificados de <a href=\"https:\/\/investnews.com.br\/guias\/compensacao-bancaria\/\">Dep\u00f3sito Banc\u00e1rio<\/a>: o <a href=\"https:\/\/investnews.com.br\/guias\/imposto-de-renda-o-que-e\/\">imposto de renda<\/a>. Apenas esse \u00faltimo tem a cobran\u00e7a de imposto sobre os rendimentos obtidos. <\/p>\n\n\n\n<p>E no caso de um <a href=\"https:\/\/investnews.com.br\/guias\/cdb-o-que-e\/\">CDB<\/a> remunerar mais que uma<a href=\"https:\/\/investnews.com.br\/guias\/lci-e-lca-o-que-e-e-como-comecar-a-investir\/\" class=\"rank-math-link\"> LCI ou LCA,<\/a>  como calcular a diferen\u00e7a do imposto de renda e saber qual rendimento valer\u00e1 mais a pena no final das contas?<\/p>\n\n\n\n<p>\u00c9 o que <strong>Samy Dana e Dony De Nuccio <\/strong>contam neste Cafe\u00edna. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"820\" height=\"540\" src=\"https:\/\/media.investnews.com.br\/uploads\/2022\/11\/cafe-02.jpg\" alt=\"\" class=\"wp-image-381554\" srcset=\"https:\/\/media.investnews.com.br\/uploads\/2022\/11\/cafe-02.jpg 820w, https:\/\/media.investnews.com.br\/uploads\/2022\/11\/cafe-02-300x198.jpg 300w, https:\/\/media.investnews.com.br\/uploads\/2022\/11\/cafe-02-768x506.jpg 768w, https:\/\/media.investnews.com.br\/uploads\/2022\/11\/cafe-02-172x113.jpg 172w, https:\/\/media.investnews.com.br\/uploads\/2022\/11\/cafe-02-191x125.jpg 191w, https:\/\/media.investnews.com.br\/uploads\/2022\/11\/cafe-02-150x99.jpg 150w\" sizes=\"auto, (max-width: 820px) 100vw, 820px\" \/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Como os CDBs t\u00eam cobran\u00e7a de imposto e as LCIs e LCAs n\u00e3o, como saber qual t\u00edtulo tem o maior retorno?<\/p>\n","protected":false},"author":7,"featured_media":381553,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"video","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[4],"tags":[44,110451,110450,36,22],"autor-wsj":[],"coauthors":[1569,1494],"class_list":["post-381540","post","type-post","status-publish","format-video","has-post-thumbnail","hentry","category-financas","tag-imposto-de-renda","tag-lca","tag-lci","tag-cdb","tag-renda-fixa","post_format-post-format-video"],"acf":[],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/investnews.com.br\/inv-api\/wp\/v2\/posts\/381540","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/investnews.com.br\/inv-api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/investnews.com.br\/inv-api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/investnews.com.br\/inv-api\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/investnews.com.br\/inv-api\/wp\/v2\/comments?post=381540"}],"version-history":[{"count":11,"href":"https:\/\/investnews.com.br\/inv-api\/wp\/v2\/posts\/381540\/revisions"}],"predecessor-version":[{"id":710529,"href":"https:\/\/investnews.com.br\/inv-api\/wp\/v2\/posts\/381540\/revisions\/710529"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/investnews.com.br\/inv-api\/wp\/v2\/media\/381553"}],"wp:attachment":[{"href":"https:\/\/investnews.com.br\/inv-api\/wp\/v2\/media?parent=381540"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/investnews.com.br\/inv-api\/wp\/v2\/categories?post=381540"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/investnews.com.br\/inv-api\/wp\/v2\/tags?post=381540"},{"taxonomy":"autor-wsj","embeddable":true,"href":"https:\/\/investnews.com.br\/inv-api\/wp\/v2\/autor-wsj?post=381540"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/investnews.com.br\/inv-api\/wp\/v2\/coauthors?post=381540"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}