It is a title issued by banks and entities authorized by the Central Bank, aimed at raising funds specifically for financing the real estate sector.
LCIs are backed by real estate credits secured by mortgage or fiduciary property transfer. They are fixed income securities that can have pre-fixed or post-fixed returns, in addition to being exempt from income tax for individuals and backed by the FGC - Credit Guarantee Fund, up to the limit of R$ 250,000 per CPF and issuer.

Created to encourage the development of the agricultural and livestock production chain, the Agribusiness Credit Letter is a title issued by banks and entities authorized by the Central Bank, aimed at raising funds specifically for financing loans for agribusiness.
These are fixed income securities that can have pre-fixed or post-fixed returns, in addition to being exempt from income tax for individuals and backed by the FGC - Credit Guarantee Fund, up to the limit of R$ 250,000 per CPF and issuer.

CDB is a security issued by banks for their own capitalization. Through CDB, the bank raises funds in the market to finance its credit activities such as loans, financing, etc. These are fixed income securities that can have pre-fixed or post-fixed returns.
The CDB is taxed with income tax at a regressive rate according to the length of stay. It can provide the investor with higher returns than savings or DI funds, in addition to being backed by the FGC - Credit Guarantee Fund, up to the limit of R$ 250,000 per CPF and issuer.

Real Estate Receivables Certificates are nominative, book-entry, and transferable credit securities, intended to finance transactions in the real estate market and backed by real estate credits, such as: residential, commercial or construction loans, long-term lease contracts, etc. They are exclusively issued by real estate receivables securitization companies. As an incentivized security, the income earned by the holder of the CRI is tax-exempt for individuals. Does not have the FGC - Credit Guarantee Fund.

The Agribusiness Receivables Certificate is a fixed income security issued by a securitizer. The funds raised through CRA are aimed at financing the agribusiness activity. As collateral for the investor, the CRA operation may involve land alienation or pledge of production. As an incentivized security, the income earned by the holder of the CRA is tax-exempt for individuals. Does not have the FGC - Credit Guarantee Fund.

Direct Treasury is a program for the sale of government bonds, via the internet, to individuals, created by the National Treasury. It is a fixed income investment with low risk, for those seeking tranquility and security.

Exchange Letters are fixed income securities, like CDBs. They are offered by credit, investment, and financing societies, known as Financial Institutions, where the issuer is the debtor, the beneficiary is the individual or legal entity investing their money, and the acceptor is the financial institution. They are taxed with income tax at a regressive rate depending on the length of stay. They are backed by the FGC - Credit Guarantee Fund, up to the limit of R$ 250,000 per CPF and issuer.

A debenture is a security issued by joint-stock companies, representing debt, ensuring the holders a credit right against the issuing company. It is a tool for raising funds in the capital market, which companies use to finance their projects. It is also a way to better manage their debts. The funds raised by the company through debenture distribution can be used for various purposes: investment in new facilities, debt restructuring, working capital financing, etc.

A Financial Letter is a fixed income security issued by financial institutions for raising long-term resources, as it has a maturity of over two years. In return, it offers better returns to investors compared to other financial products with daily liquidity or shorter maturity. Thus, the LF benefits both the financial institutions that need to raise funds and the investors who have a significant amount for long-term investments. It is taxed with income tax at a 15% rate on the gain for the period. Does not have the FGC - Credit Guarantee Fund.

These are products that combine Fixed Income and Variable Income securities. They are issued by large banks and registered in CETIP.
This instrument is the Brazilian version of Structured Notes, which are very popular in Europe and the United States. There are two forms of investment in this product: one with capital protection (i.e., the guarantee of returning the initial amount) and another with capital at risk (no such guarantee). This is possible through a complex investment strategy involving Fixed Income and Derivatives, which the issuing bank is responsible for executing – for the final investor, no management or fees are required. It is taxed with income tax at a regressive rate based on the holding period, on the gain for the period. Does not have the FGC - Credit Guarantee Fund.

Fixed Income Funds or Fixed Income Funds like Fixed Income, are funds that have more freedom to choose their assets. These funds can invest in: credit-linked securities (e.g. Debentures and CDBs), inflation-linked securities (e.g. NTN-B), and Pre or Post-Fixed Government Bonds. These funds must keep 80% of their portfolio in Government Bonds, assets with low credit risk, or derivatives. These funds also allow leverage, and for these reasons, you will find Fixed Income Funds with the most diverse performances, unlike DI Referenced Funds (DI Funds or DI Referenced Fixed Income Funds are funds that must invest at least 95% of their assets in Public Securities linked to SELIC), which have very standardized behavior, where the difference between them, DI, practically only exists due to the management fees.

Currency Funds are investment funds that track the variation of a foreign currency, typically Euro or Dollar. When investing in a currency fund, the investor invests in foreign currency at the current exchange rate and benefits from the rise or increase in the exchange rate, but suffers losses when the foreign currency devalues.

Multi-market funds have the flexibility to operate different assets, including fixed income papers, company stocks, currencies (such as dollars), derivatives, and investments abroad. This flexibility allows the fund manager to create different strategies according to changes in the economic scenario or the financial market.

These are funds designed to invest in the stock market. Equity funds are most suitable for long-term investment goals and for investors who can tolerate a higher exposure to risks, in exchange for a higher expected return.