Tipos de investimento no cenário financeiro brasileiro: comparação entre PGBL e VGBL

Abstract

Individuals who invest in Brazil have the possibility to opt for several banking products destined to raise funds in financial institutions. The process of analysis and recognition of the main characteristics of investors in financial institutions contributes to the marketing strategy related to the capture and application of financial resources in an appropriate way, according to the profile of each individual that seeks the realization of some type of investment . In relation to fixed income, this method is a kind of financial loan for a particular private, public and / or banking organization, where, in return, the investor becomes a receiver of a certain income. Such an instrument is a relevant strategy for raising funds, as well as financing certain projects and / or trade negotiations. In many cases, fixed income investments are responsible for attracting investors due to the benefit of predictability, considering that the characteristics on profitability are defined at the time the application is made. In each investment, there is the possibility of being identified as a fixed investment, as well as post-investment. It should be emphasized that the greater the likelihood of risk and the longer the period of time that the financial resource will remain invested in the financial institution, the greater will be the financial return to the individual making the investment. In general, the financial market uses several indicators in order to make updates and forecasts on the financial return associated with the investments made. Based on this context, the present research highlighted the following question: what are the main advantages of PGBL investment in the Brazilian economic scenario? Regarding the general objective of this study, the main characteristics of the PGBL and VGBL investment types in the Brazilian financial scenario were analyzed. Specific objectives include: description of concepts and market aspects of the Brazilian Financial System, with emphasis on the capital market and financial market indices; characterization of bank products destined for raising funds; comparative analysis on the types of PGBL and VGBL investment, with emphasis on the advantages offered by PGBL. Among the authors cited are: Almeida e Cunha (2017); Assaf Neto (2018); Cavalcanti, Misumi e Rudge (2009); Dias (2016); Fonte Neto (2009); Gitman e Madura (2003); Howes (2018); Kerr (2011); Lucena (2009); Mayo (2008); Rambo (2014); among others. The present study was developed through review, in which the main advantages of the PGBL investment in the Brazilian economic scenario were verified, with emphasis on the comparison between PGBL and VGBL.