With the exception of tax-exempt securities, these are taxes charged on the profitability of investments in Fixed Income securities.

IOF rate (only when redemption is less than 30 days. After 30 days you do not pay IOF).

CDB, LCI and LCA are guaranteed by the Credit Guarantee Fund (FGC), which guarantees the return of the principal invested plus interest on earnings, in the event of the financial institution's inability to pay, up to R$250, per CPF or CNPJ. The risks of operating with fixed-income securities lie in the ability of the issuer (government, in the case of public securities, company or financial institutions, in the case of private securities) to honor the debt (credit risk); in the impossibility of selling the security or in the absence of investors interested in acquiring it (liquidity risk); and in the possibility of variation in the interest rate and indexes (market risk). In the case of private securities, market risk also includes the so-called risk premium, which is inherent in the payment capacity of the security issuer. It is very important to properly understand the nature, form of profitability and risks of fixed-income securities before acquiring them. The information provided here is not related to specific investment objectives, financial situation or particular needs of any specific recipient, and should not serve as the sole source of information in the investor's decision-making process. Before making a decision, the investor should carry out, preferably with the help of a duly qualified professional, a thorough assessment of the product and its risks in light of their personal objectives and risk tolerance (suitability).