When it comes to making money online and offline through investments, few products are as attractive as LCIs (Real Estate Credit Bills) and LCAs (Agribusiness Credit Bills). Their main advantage? The income tax exemption, which makes them highly profitable compared to other fixed-income alternatives.
But recent discussions in the government’s economic team are raising concerns: Will this tax exemption come to an end? If it does, how will it impact investors who rely on these products to build passive income safely? Let’s dive deeper.
Why Are LCIs and LCAs So Popular?
- Zero income tax on yields.
- Low risk because they are backed by real estate or agribusiness credit.
- Fundo Garantidor de Créditos (FGC) protection of up to R$250,000 per CPF per institution.
- Better returns than many CDBs and savings accounts.
These characteristics made LCIs and LCAs one of the favorite options for conservative investors who still want to grow their wealth with security.
Why Are They in the Government’s Crosshairs?
The main reason is tax collection. With the country seeking more revenue, the government may consider removing or reducing tax benefits that currently encourage investment in LCIs and LCAs.
The argument is that these exemptions create an imbalance when compared to other fixed-income products, such as CDBs and Treasury Bonds, which are subject to income tax.
What Would Change If the Tax Exemption Ends?
If LCIs and LCAs lose their tax-free status, their returns would naturally fall. That means:
- They could lose competitiveness compared to other fixed-income investments.
- More investors might migrate to Tesouro Direto (Treasury Bonds) or CDBs with higher rates.
- Banks may need to offer better gross rates to continue attracting investors.
Should You Stop Investing in LCIs and LCAs Now?
Absolutely not. Even with this possibility, LCIs and LCAs remain strong options in 2025, especially for short and medium-term investments. The exemption still exists, and until any new law is approved, you can benefit from the advantage.
In addition, governments often take time to approve such measures, and there’s always the chance that strong lobbying from the financial market could delay or block the end of the tax benefit.
Final Thoughts
LCIs and LCAs have been essential tools for investors to build safe and tax-efficient wealth. While the government may be evaluating changes, it’s important to remember that the best time to invest is now, while the tax exemption still stands.
If you want to make money online through investments, diversification is key. Don’t put all your money in just one product. Keep an eye on CDBs, Tesouro Selic, and investment funds as alternatives in case the rules change.
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