{"id":787,"date":"2025-11-14T11:06:18","date_gmt":"2025-11-14T14:06:18","guid":{"rendered":"https:\/\/financasemfoco.online\/?p=787"},"modified":"2025-11-14T11:06:19","modified_gmt":"2025-11-14T14:06:19","slug":"qual-um-investimento-sem-ter-risco","status":"publish","type":"post","link":"https:\/\/financasemfoco.online\/index.php\/2025\/11\/14\/qual-um-investimento-sem-ter-risco\/","title":{"rendered":"Qual um investimento sem ter risco?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>Tesouro Selic (LFT) \u2014 o mais seguro do Brasil<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>T\u00edtulo p\u00fablico emitido pelo governo federal.<\/li>\n\n\n\n<li>Rende a taxa Selic.<\/li>\n\n\n\n<li><strong>Risco de perda praticamente zero<\/strong>, porque s\u00f3 perderia se o governo brasileiro desse calote \u2014 algo extremamente improv\u00e1vel.<\/li>\n\n\n\n<li>Ideal para reserva de emerg\u00eancia.<\/li>\n<\/ul>\n\n\n\n<p> <strong>\u00c9 o investimento mais pr\u00f3ximo de \u201csem risco\u201d que existe no pa\u00eds.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"> <strong>2. Poupan\u00e7a (mas rende pouco)<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Seguro pelo FGC (at\u00e9 R$ 250 mil por CPF por institui\u00e7\u00e3o).<\/li>\n\n\n\n<li>Risco baix\u00edssimo.<\/li>\n\n\n\n<li>Por\u00e9m, <strong>rendimento muito fraco<\/strong>, normalmente abaixo de outros investimentos seguros.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"> <strong>3. CDBs de bancos grandes (com liquidez di\u00e1ria)<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tamb\u00e9m cobertos pelo FGC at\u00e9 R$ 250 mil.<\/li>\n\n\n\n<li>Risco muito baixo.<\/li>\n\n\n\n<li>Rende mais que a poupan\u00e7a na maioria dos casos.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"> <strong>4. LCI e LCA (isentas de IR)<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Isentas de Imposto de Renda.<\/li>\n\n\n\n<li>Tamb\u00e9m cobertas pelo FGC.<\/li>\n\n\n\n<li>Risco baixo.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"> Importante<\/h2>\n\n\n\n<p>Mesmo os investimentos mais seguros t\u00eam <strong>algum<\/strong> risco:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Risco de cr\u00e9dito (institui\u00e7\u00e3o quebrar) \u2014 mitigado pelo FGC.<\/li>\n\n\n\n<li>Risco de mercado (varia\u00e7\u00e3o do pre\u00e7o) \u2014 Tesouro Selic quase n\u00e3o tem.<\/li>\n\n\n\n<li>Risco de liquidez (n\u00e3o conseguir tirar na hora) \u2014 depende do produto.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Tesouro Selic (LFT) \u2014 o mais seguro do Brasil \u00c9 o investimento mais pr\u00f3ximo de \u201csem risco\u201d que existe no<\/p>\n","protected":false},"author":1,"featured_media":788,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"colormag_page_layout":"default_layout","om_disable_all_campaigns":false,"footnotes":""},"categories":[11],"tags":[71,82],"class_list":["post-787","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investimentos","tag-futuro","tag-investimento"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/financasemfoco.online\/index.php\/wp-json\/wp\/v2\/posts\/787","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/financasemfoco.online\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financasemfoco.online\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/financasemfoco.online\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/financasemfoco.online\/index.php\/wp-json\/wp\/v2\/comments?post=787"}],"version-history":[{"count":1,"href":"https:\/\/financasemfoco.online\/index.php\/wp-json\/wp\/v2\/posts\/787\/revisions"}],"predecessor-version":[{"id":789,"href":"https:\/\/financasemfoco.online\/index.php\/wp-json\/wp\/v2\/posts\/787\/revisions\/789"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financasemfoco.online\/index.php\/wp-json\/wp\/v2\/media\/788"}],"wp:attachment":[{"href":"https:\/\/financasemfoco.online\/index.php\/wp-json\/wp\/v2\/media?parent=787"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financasemfoco.online\/index.php\/wp-json\/wp\/v2\/categories?post=787"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financasemfoco.online\/index.php\/wp-json\/wp\/v2\/tags?post=787"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}