2024-03-31 02:00:01
Even an exempt investment must be declared. forget to declare investments, even those exempt from taxation. The alert comes from Renan Diego, a specialist in personal finance and investments. He states that it is necessary to be aware of the particularities of each application. “There is diverse information about financial investments that need to be reported on separate forms in the Income Tax declaration program”, he explains. See also Economy IR 2024 questions answer: do I need to declare an inheritance received? Account in Day Revenue releases consultation on new residual batch of IR refund Economy Answer questions IR 2024: I made a MEI, do I need to post the amounts received? In IR 2024, anyone who received more than R$30,639.90 last year is required to declare. The Federal Revenue expects to receive 43 million declarations this year. As of this Saturday (30), 8,695,768 documents have already been delivered. According to Diego, tax-free investments attract people of different profiles due to the gains, as they do not lose any of the amount invested. “The possibility of diversifying the portfolio and betting on assets with different risks without worrying about taxes means that people with all types of income can join these investments”, explains the professional. For investors who hope to have significant returns, IR-exempt bonds can be an alternative to maintain portfolio profitability above 1% per month, with the exception of savings accounts. See which investments are exempt from Income Tax • LCI (Real Estate Letter of Credit) Securities issued by banks to raise funds from the market and offer capital to companies and individuals backed by credits from the real estate sector. • LCA (Agribusiness Letters of Credit) These are also titles used to raise funds, but for the agribusiness sector. • Incentive Debentures Debt securities issued by publicly or privately held companies to raise funds for their cash flow and finance infrastructure projects. • CRI (Certificate of Real Estate Receivables) Fixed income securities issued by securitization companies, which require a payment guarantee from the issuer, such as a property. • CRA (Agribusiness Receivables Certificate) Business titles between rural producers and cooperatives. These are moderate risk investments with medium and long-term maturities, normally from 3 years onwards. • Income from Real Estate Funds (FII) Investment in real estate projects, such as shopping malls, hospitals and commercial buildings or related assets, such as CRIs. When purchasing FII shares, the investor becomes a type of owner of the property, receiving rental income. • Savings The most popular investment, despite its security, lost to inflation again in February. Profitability was negative at 0.29%, interrupting the sequence of real gains since February last year.
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