O que são DPGEs (Depósito a Prazo com Garantia Especial do FGC)?

por: SobreMoney Foto: Canva

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[{"selector":"#anim-d7b83136-13fc-4188-b189-a9cfa4e2dd99","keyframes":{"opacity":[0,1]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-10aa1bd6-33ff-47d2-9816-18f3c013779e","keyframes":{"transform":["translate3d(84.42623%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8c4ceebc-cdb6-4886-9704-2f0e34426520","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-099c1d7f-c380-4385-8f25-ff7c8e0ef6f8","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7d31464d-fd70-4626-8961-a5aa3fdb129f","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d05d44c5-527f-46d2-8ac5-7f36971898d4","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Valores e Limites: O investimento varia entre R$ 250 mil e R$ 40 milhões por instituição, com resgate de juros no vencimento, que pode ser de 6 a 36 meses. Seta

[{"selector":"#anim-53a96260-f4e7-46ea-aabd-02a8a271cfe2","keyframes":{"opacity":[0,1]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f401ab59-42e7-4000-9802-52707e6fb398","keyframes":{"transform":["translate3d(84.42623%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f5710d35-46ae-4ec7-8f8f-85fe2bddb4aa","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bcbc1407-09e5-495d-b56d-7af2e7d82a93","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cad815f9-f417-4b1a-9d70-5bbc42bd70db","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2889ce8d-45d7-442e-912c-1748939012c3","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Funcionamento: Recurso transferido ao banco gera um título que rende juros. A rentabilidade pode ser prefixada, pós-fixada ou híbrida. Seta

[{"selector":"#anim-22059a74-4324-447f-8e23-bc4ee8d7aedb","keyframes":{"opacity":[0,1]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4aa9660f-b4ff-4766-a829-51477b7373a7","keyframes":{"transform":["translate3d(84.42623%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4ae1a5d4-ab25-497f-8324-ead643b7feff","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bd570e8c-05f9-44da-9b34-22742327830a","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dc326456-d957-4108-b20c-be77db6bc71c","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-222ec4b9-aeff-4c04-bd3e-0216cd4917ad","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Liquidez e Tributação: Baixa liquidez, sem resgate antecipado. Tributação pelo imposto de renda é regressiva, variando de 15% a 22,5% conforme o prazo de aplicação. Seta

[{"selector":"#anim-d6c07169-8bfd-42a5-8819-6d16c80071d2","keyframes":{"opacity":[0,1]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1eb2e0bf-9a2f-4611-92dd-d44a411eed4b","keyframes":{"transform":["translate3d(84.42623%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-637fa17b-5020-4952-9224-ee92d8816da7","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b4e2d6ef-efbf-4d20-90db-acdc5e7cb55a","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4617a16b-8d94-4bfe-bb7f-a64f2c7d20ba","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a4f8e3bc-ed56-41b4-9e50-c9f677ee2790","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Emissores: Emitido por bancos comerciais, múltiplos, de investimento e desenvolvimento, entre outros. Visa melhorar a liquidez dessas instituições para oferecer crédito. Seta

[{"selector":"#anim-87130c24-f647-42a6-8050-378b2282a204","keyframes":{"opacity":[0,1]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b0cea825-553c-4422-86a7-51b3e9d748e7","keyframes":{"transform":["translate3d(84.42623%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ac10fa53-6ab1-4b4e-8dd5-08d6750fa5dc","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-24e0853e-e4b9-4677-9816-c0b1918c9619","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-70f1a24a-d264-4a1b-9cfa-9090a6414c74","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fb5a6314-2ebb-457d-bbfb-38f0ce54d0af","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Garantia do FGC: Proteção até R$ 40 milhões por instituição ou conglomerado financeiro, maior que o usual R$ 250 mil para outros produtos de renda fixa. Seta

[{"selector":"#anim-59a897e4-8c6d-4928-b94d-26939b0ea43f","keyframes":{"opacity":[0,1]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8a4c056e-593a-4233-ab29-4875d35e14e1","keyframes":{"transform":["translate3d(84.42623%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-28000c72-0351-43bf-9d4c-47b20fe054d8","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c9c6c9ba-6ee1-454d-89ac-ed92e36527cf","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c414a11f-0dcc-4df1-b38b-2668045f05db","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8d7428f9-750c-49f4-a786-d9ea275cd387","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Vantagens e Riscos: Oferece alta rentabilidade e estratégias tributárias favoráveis, mas exige aporte mínimo elevado e mantém recursos imobilizados até o vencimento. Seta

[{"selector":"#anim-a85085a0-4175-417c-8267-1cf6e82e87dc","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4f1cb019-f15e-4f32-a7a8-195a3fd9996f","keyframes":{"transform":["translate3d(0px, -1557.48909%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-46ac0850-c266-4e77-9ea5-62b21cea28f4","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5f02a81d-acb2-4e97-bbf0-b5251bc0442f","keyframes":{"transform":["translate3d(0px, 1655.55596%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Foto: Canva LEIA MAIS EM SOBREMONEY.COM.BR Seta