{"id":50,"date":"2020-08-04T11:00:36","date_gmt":"2020-08-04T11:00:36","guid":{"rendered":"http:\/\/142.93.248.120\/?p=50"},"modified":"2020-10-14T08:18:49","modified_gmt":"2020-10-14T08:18:49","slug":"o-que-e-cdb-cdi-selic-lca-lci-lc-fgc-coe","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/id\/o-que-e-cdb-cdi-selic-lca-lci-lc-fgc-coe\/","title":{"rendered":"Apa itu CDB, CDI, SELIC, LCA, LCI, LC, FGC, COE?"},"content":{"rendered":"
\n

Ini dan banyak akronim lainnya membentuk bagian dari pasar keuangan, dan seringkali tampak menakutkan dan rumit. Faktanya, mereka lebih sederhana dari yang terlihat. Begitu Anda memahami konsepnya, mereka akan membuat hidup Anda (dan banyak) lebih mudah.<\/p>\n<\/div>

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Memikirkan mereka yang baru terjun ke dunia investasi, Bapak Finance telah menyiapkan panduan dengan nomenklatur utama yang perlu Anda ketahui. Balik halaman untuk mencari tahu apa yang ada di balik masing-masing.<\/p>\n<\/div>

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CDB (Sertifikat Deposito Bank)<\/h2>\n<\/div>
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Setiap investasi adalah pinjaman yang Anda lakukan kepada seseorang, di mana bonus (bunga) akan dibayarkan setelah jangka waktu tertentu, berdasarkan beberapa indikator ekonomi. CDB tidak lebih dari memberikan pinjaman ke bank.<\/p>\n<\/div>

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\"\"\/<\/figure>\n<\/div>
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Karena profitabilitasnya, CDB adalah salah satu investasi paling populer di kalangan investor pendapatan tetap. Anda dapat menemukan obligasi dengan imbal hasil di atas 100% dari CDI.<\/p>\n<\/div>

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CDI (Sertifikat Simpanan Antar Bank)<\/h2>\n<\/div>
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Mungkin Anda tidak tahu, tetapi bank saling meminjamkan uang. Itu benar! Sementara kebanyakan orang mengira bank adalah saingan, mereka sebenarnya berkomunikasi satu sama lain. Ini karena, menurut Bank Sentral, semua bank harus menutup hari dengan saldo positif, dan ketika hal ini tidak terjadi (karena ada lebih banyak penarikan daripada deposito, misalnya), mereka meminjam uang dari bank lain, membayar biaya (CDI).<\/p>\n<\/div>

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\"\"\/<\/figure>\n<\/div>
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Jadi CDI itu bukan investasi, tapi acuan beberapa investasi, seperti CDB misalnya.<\/p>\n<\/div>

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SELIC (Sistem Penyelesaian dan Kustodi Khusus)<\/h2>\n<\/div>
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Tingkat SELIC adalah tingkat bunga dasar di Brasil. Ini ditentukan oleh Copom (Komite Kebijakan Moneter Bank Sentral) setiap 45 hari.<\/p>\n<\/div>

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\"\"\/<\/figure>\n<\/div>
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Selain berfungsi sebagai parameter untuk suku bunga lainnya, SELIC Rate secara langsung mempengaruhi inflasi dan kredit.<\/p>\n<\/div>

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LCA (Surat Kredit Agribisnis) dan LCI (Surat Kredit Real Estat)<\/h2>\n<\/div>
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Dalam kasus LCA dan LCI, Anda juga akan memberikan pinjaman ke bank, yang pada gilirannya meminjamkan uang ke sektor real estat (LCI) atau agribisnis (LCA).<\/p>\n<\/div>

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\"\"\/<\/figure>\n<\/div>
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Apa yang membedakan LCI dan LCA dari CDB adalah bahwa mereka dibebaskan dari pajak penghasilan.<\/p>\n<\/div>

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LC (Bill of Exchange)<\/h2>\n<\/div>
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LC bisa disamakan dengan CDB, bedanya tujuan uang itu adalah keuangan (lembaga yang meminjamkan uang dengan imbalan bunga), dan bukan bank.<\/p>\n<\/div>

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\"\"\/<\/figure>\n<\/div>
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LC mungkin membawa sedikit lebih banyak risiko, karena jika ekonomi buruk, kecenderungannya adalah orang tidak membayar hutangnya.<\/p>\n<\/div>

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FGC (Dana Jaminan Kredit)<\/h2>\n<\/div>
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FGC adalah lembaga swasta dengan tujuan menjaga sistem lebih aman. Ini karena ketika bank gagal, FGC memberi remunerasi kepada investor hingga batas R$250 ribu per CPF (per lembaga keuangan).<\/p>\n<\/div>

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\"\"\/<\/figure>\n<\/div>
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COE (Sertifikat Operasi Terstruktur)<\/h2>\n<\/div>
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COE tidak lebih dari pendapatan tetap yang diindeks ke pendapatan variabel seperti, misalnya, variasi dolar, IBOVESPA, antara lain.<\/p>\n<\/div>

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\"\"\/<\/figure>\n<\/div>
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Sangat populer di AS dan Eropa, keuntungan COE adalah modal Anda terlindungi, karena merupakan pendapatan tetap.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

Essas e muitas outras siglas formam parte do mercado financeiro, e muitas vezes, podem parecer assustadoras e complicadas. Na verdade, elas s\u00e3o mais simples do que parece. Uma vez que voc\u00ea entende o conceito, elas ir\u00e3o facilitar (e muito) a sua vida. Pensando em quem acabou de entrar no mundo dos investimentos, o Senhor Finan\u00e7as… Lanjut membaca Apa itu CDB, CDI, SELIC, LCA, LCI, LC, FGC, COE?<\/span><\/a><\/p>","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[],"yoast_head":"\nO que \u00e9 CDB, CDI, SELIC, LCA, LCI, LC, FGC, COE? - Senhor Panda<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/senhorpanda.com\/id\/o-que-e-cdb-cdi-selic-lca-lci-lc-fgc-coe\/\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"O que \u00e9 CDB, CDI, SELIC, LCA, LCI, LC, FGC, COE?\" \/>\n<meta property=\"og:description\" content=\"Essas e muitas outras siglas formam parte do mercado financeiro, e muitas vezes, podem parecer assustadoras e complicadas. 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