Many people may believe that in order to invest they will necessarily have to declare their applications in the Income Tax (IR). But it doesn't work exactly that way. There are certain types of investments that are exempt from paying income tax. Check out what they are in this article.
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Investments and the payment of income tax
To begin with, the mandatory Income Tax declaration only occurs when all your income, that is, salary and income from investments, exceeds the amount of R$ 40,000 per year. In addition, it is also necessary to make the declaration if you have assets that correspond to more than R$ 300,000.
In addition to this, even if you already have to declare your IR, there are investments that are exempt from this payment. Therefore, the advantage is that your income is net, and you will not need to calculate how much you will receive after paying the tax. However, this does not mean that they will be the best investments for you, but the possibility exists with the objective of stimulating investment in areas of development in Brazil. Check below three investments that can be made without having to pay income tax, but they are not the only ones.
Dividends and shares
In this case, it is as if small parts of the companies were put up for sale freely and anyone could buy, becoming a “partner” in the company. However, if you sell more than R$20,000 in shares, you will have to pay income tax.
LCI and LCA
These are the Real Estate Letters of Credit (LCI) and the Agribusiness Letters (LCA), which are fixed income investments. The LCI is issued by banks and works as a loan so that the institution can offer capital for the real estate sector, and its money is returned with interest adjustments. The LCA is very similar, but the bank in this case uses the money for the agribusiness sector.
incentive debentures
In this case, the investment also works as a kind of loan, but in this case it is intended for companies, whether publicly traded or privately held. This type of investment aims to enable the growth of these businesses, especially in infrastructure projects. With that, you get your money later with some income.
