{"id":57441,"date":"2025-07-21T14:32:39","date_gmt":"2025-07-21T17:32:39","guid":{"rendered":"https:\/\/borainvestir.b3.com.br\/?post_type=web-story&#038;p=57441"},"modified":"2025-07-21T14:35:46","modified_gmt":"2025-07-21T17:35:46","slug":"ir-e-iof-como-ficam-os-impostos-sobre-os-investimentos-apos-a-decisao-do-stf","status":"publish","type":"web-story","link":"https:\/\/borainvestir.b3.com.br\/web-stories\/ir-e-iof-como-ficam-os-impostos-sobre-os-investimentos-apos-a-decisao-do-stf\/","title":{"rendered":"IR e IOF: Como ficam os impostos sobre os investimentos ap\u00f3s a decis\u00e3o do STF?"},"content":{"rendered":"<p><html amp=\"\" lang=\"en\"><head><meta charSet=\"utf-8\"\/><meta name=\"viewport\" content=\"width=device-width,minimum-scale=1,initial-scale=1\"\/><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0.js\"><\/script><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0\/amp-story-1.0.js\" custom-element=\"amp-story\"><\/script><link 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publisher-logo-src=\"https:\/\/borainvestir.b3.com.br\/app\/uploads\/2023\/11\/cropped-B3_Logo_Azul-3-1.png\" title=\"IR e IOF: Como ficam os impostos sobre os investimentos ap\u00f3s a decis\u00e3o do STF?\" poster-portrait-src=\"https:\/\/cdn.borainvestir.b3.com.br\/2024\/02\/26124612\/cropped-Leao.jpg\"><amp-story-page id=\"6bbec7ab-993c-4d71-b51b-5db115128ce4\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#6f6549\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-dad3b576-3ee3-4e9e-9467-94668a40bfda\">\n<div style=\"position:absolute;width:133.38544%;height:100%;left:-16.69272%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2024\/04\/19135503\/cropped-Leao-1.jpg\" alt=\"Le\u00e3o\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2024\/04\/19135503\/cropped-Leao-1.jpg 640w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/04\/19135503\/cropped-Leao-1-506x675.jpg 506w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/04\/19135503\/cropped-Leao-1-225x300.jpg 225w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/04\/19135503\/cropped-Leao-1-150x200.jpg 150w\" sizes=\"(min-width: 1024px) 60vh, 133vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:7.03883%;top:57.28155%;width:86.16505%;height:42.71845%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.633802816901409% 5.633802816901409% 5.633802816901409% 5.633802816901409% \/ 7.575757575757576% 7.575757575757576% 7.575757575757576% 7.575757575757576%\" class=\"mask\" id=\"el-5677d7f9-edb5-4551-91a8-07cefbd682e1\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:60.5178%;width:47.08738%;height:7.11974%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-1ea59d08-40ac-4572-935e-cfccb93af513\">\n<div style=\"position:absolute;width:100%;height:101.56444%;left:0%;top:-0.78222%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png\" alt=\"logo_bora_investir\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png 738w,https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3-300x69.png 300w\" sizes=\"(min-width: 1024px) 21vh, 47vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:7.03883%;top:52.42718%;width:15.7767%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-296e5124-adb5-48a8-845f-b8f30a09bd2c\">\n<div class=\"fill\" style=\"background-color:#ffab00;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:13.34951%;top:75.08091%;width:67.71845%;height:23.13916%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.7168458781362007% 0.7168458781362007% 0.7168458781362007% 0.7168458781362007% \/ 1.3986013986013985% 1.3986013986013985% 1.3986013986013985% 1.3986013986013985%\" id=\"el-abffbbb7-4d05-484a-83a8-5d03fcbf7062\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.12473118279569918% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.388350em;line-height:1.19;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">IR e IOF: Como ficam os impostos sobre os investimentos ap\u00f3s a decis\u00e3o do STF?<br \/>\n<\/span><\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"76f09396-7646-4949-a25d-ec0197dcf7bb\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-d5762e15-83a5-429f-9be8-2e837a475247 [data-leaf-element=\\\"true\\\"]\",\"keyframes\":{\"transform\":[\"translate3d(0, 16.634402654867266%, 0)\",\"translate3d(0, 0%, 0)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(.3,0,.55,1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#403430\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div id=\"anim-d5762e15-83a5-429f-9be8-2e837a475247\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-44978226-5a7d-4eff-8226-4a07b0a936bc\">\n<div style=\"position:absolute;width:142.22222%;height:120%;left:-11.80924%;top:-19.96128%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2024\/07\/05151151\/Homem-no-computador.jpg\" alt=\"Homem no computador\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2024\/07\/05151151\/Homem-no-computador.jpg 680w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/07\/05151151\/Homem-no-computador-200x300.jpg 200w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/07\/05151151\/Homem-no-computador-150x225.jpg 150w\" sizes=\"(min-width: 1024px) 54vh, 120vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:40.45307%;width:15.7767%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-2dab13f8-e15c-4b3b-8bd9-1cafa68511dd\">\n<div class=\"fill\" style=\"background-color:#ffab00;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:47.08738%;width:85.43689%;height:44.82201%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.681818181818182% 5.681818181818182% 5.681818181818182% 5.681818181818182% \/ 7.2202166064981945% 7.2202166064981945% 7.2202166064981945% 7.2202166064981945%\" class=\"mask\" id=\"el-421f9945-2e46-4791-a8de-db906a93c35b\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:50.64725%;width:76.45631%;height:33.33333%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-d6b8ed8c-348c-443a-9741-6803025ffa2a\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.25714285714285673% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">Ap\u00f3s semanas de idas e vindas, o ministro do Supremo Tribunal Federal (STF) Alexandre de Moraes decidiu pela retomada do decreto presidencial que elevou as al\u00edquotas do Imposto sobre Opera\u00e7\u00f5es Financeiras (IOF)<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:66.26214%;top:86.73139%;width:21.84466%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-c0b6b24b-d1ac-4622-ba48-52ffba7900c3\">\n<div style=\"position:absolute;width:100%;height:103.65841%;left:0%;top:-1.8292%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png\" alt=\"logo_bora_investir\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png 738w,https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3-300x69.png 300w\" sizes=\"(min-width: 1024px) 10vh, 22vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:93.52751%;width:85.43689%;height:6.47249%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.681818181818182% 5.681818181818182% 5.681818181818182% 5.681818181818182% \/ 50% 50% 50% 50%\" class=\"mask\" id=\"el-b83b8d47-a6c1-4276-bdea-b2084a9798c4\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.01456%;top:94.7411%;width:76.45631%;height:4.04531%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-620bf62f-aa2c-41b5-b911-a99e400b0bca\"><a href=\"https:\/\/borainvestir.b3.com.br\/objetivos-financeiros\/investir-melhor\/ir-e-iof-como-ficam-os-impostos-sobre-os-investimentos-apos-a-decisao-do-stf\/\" data-tooltip-icon=\"https:\/\/cdn.borainvestir.b3.com.br\/2025\/07\/17165053\/mudancas-imposto-renda-ir-iof.jpg\" data-tooltip-text=\"IR e IOF: Como ficam os impostos sobre os investimentos ap\u00f3s a decis\u00e3o do STF?\" target=\"_blank\" rel=\"noreferrer\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\"><\/p>\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.25714285714285673% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:center;padding:0;color:#000000\"><span><span style=\"font-weight: 700; text-decoration: underline; color: #fff\">Leia a mat\u00e9ria completa<\/span><\/span><\/p>\n<p><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"def75cd6-c0ea-4019-8197-94b17850b497\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#b0aea7\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-e0bb9708-f3ed-4236-b151-fd1000f5fa8f\">\n<div style=\"position:absolute;width:237.03704%;height:100%;left:-68.51852%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2025\/06\/09115220\/real_moeda_020120a84t47535211.webp\" alt=\"Governo deve apresentar MP que retira isen\u00e7\u00e3o de imposto de renda para LCIs e LCAs. Foto: Marcello Casal JrAg\u00eancia Brasil\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2025\/06\/09115220\/real_moeda_020120a84t47535211.webp 1024w,https:\/\/cdn.borainvestir.b3.com.br\/2025\/06\/09115220\/real_moeda_020120a84t47535211-900x675.webp 900w,https:\/\/cdn.borainvestir.b3.com.br\/2025\/06\/09115220\/real_moeda_020120a84t47535211-768x576.webp 768w,https:\/\/cdn.borainvestir.b3.com.br\/2025\/06\/09115220\/real_moeda_020120a84t47535211-300x225.webp 300w,https:\/\/cdn.borainvestir.b3.com.br\/2025\/06\/09115220\/real_moeda_020120a84t47535211-150x113.webp 150w\" sizes=\"(min-width: 1024px) 107vh, 238vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:49.35275%;width:15.7767%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-1c5264c3-545d-4249-8b56-a44ea01fb9f1\">\n<div class=\"fill\" style=\"background-color:#ffab00;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:7.03883%;top:56.95793%;width:85.92233%;height:34.95146%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.649717514124294% 5.649717514124294% 5.649717514124294% 5.649717514124294% \/ 9.25925925925926% 9.25925925925926% 9.25925925925926% 9.25925925925926%\" class=\"mask\" id=\"el-e68225a0-973a-4c42-a38b-2f0a8853fe0f\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:65.53398%;width:76.45631%;height:16.34304%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-4cdc0738-2d6c-4045-90d4-28b7e185ac81\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.25714285714285673% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">Mas afinal, at\u00e9 o momento, o que muda \u2013 e o que n\u00e3o muda \u2013 nos seus investimentos com as regras atuais?<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:66.26214%;top:86.73139%;width:21.84466%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-480c4722-5d2e-4abe-aea5-ae574ad11876\">\n<div style=\"position:absolute;width:100%;height:103.65841%;left:0%;top:-1.8292%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png\" alt=\"logo_bora_investir\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png 738w,https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3-300x69.png 300w\" sizes=\"(min-width: 1024px) 10vh, 22vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:93.52751%;width:85.43689%;height:6.47249%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.681818181818182% 5.681818181818182% 5.681818181818182% 5.681818181818182% \/ 50% 50% 50% 50%\" class=\"mask\" id=\"el-a7629c72-e143-4583-9ddb-9ff92de0def1\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.01456%;top:94.7411%;width:76.45631%;height:4.04531%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-e64a44d2-619b-4542-9619-dc828f78850d\"><a href=\"https:\/\/borainvestir.b3.com.br\/objetivos-financeiros\/investir-melhor\/ir-e-iof-como-ficam-os-impostos-sobre-os-investimentos-apos-a-decisao-do-stf\/\" data-tooltip-icon=\"https:\/\/cdn.borainvestir.b3.com.br\/2025\/07\/17165053\/mudancas-imposto-renda-ir-iof.jpg\" data-tooltip-text=\"IR e IOF: Como ficam os impostos sobre os investimentos ap\u00f3s a decis\u00e3o do STF?\" target=\"_blank\" rel=\"noreferrer\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\"><\/p>\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.25714285714285673% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:center;padding:0;color:#000000\"><span><span style=\"font-weight: 700; text-decoration: underline; color: #fff\">Leia a mat\u00e9ria completa<\/span><\/span><\/p>\n<p><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"39721250-fcac-4da3-8e53-fe21ad88a9f5\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#d6d2d2\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-8f834b0d-788f-4f11-98a6-72c7e9860a26\">\n<div style=\"position:absolute;width:266.25065%;height:100%;left:-83.12533%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2025\/01\/13092950\/previdencia-complementar-fechada-como-funciona.jpg\" alt=\"Entenda como funciona a previd\u00eancia complementar fechada. Foto: Pexels\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2025\/01\/13092950\/previdencia-complementar-fechada-como-funciona.jpg 1920w,https:\/\/cdn.borainvestir.b3.com.br\/2025\/01\/13092950\/previdencia-complementar-fechada-como-funciona-1617x1080.jpg 1617w,https:\/\/cdn.borainvestir.b3.com.br\/2025\/01\/13092950\/previdencia-complementar-fechada-como-funciona-768x513.jpg 768w,https:\/\/cdn.borainvestir.b3.com.br\/2025\/01\/13092950\/previdencia-complementar-fechada-como-funciona-300x200.jpg 300w,https:\/\/cdn.borainvestir.b3.com.br\/2025\/01\/13092950\/previdencia-complementar-fechada-como-funciona-150x100.jpg 150w\" sizes=\"(min-width: 1024px) 120vh, 267vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:51.45631%;width:15.7767%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-d5ccff78-b26e-4484-9f9e-341c35a6dc5c\">\n<div class=\"fill\" style=\"background-color:#ffab00;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:60.03236%;width:85.92233%;height:31.87702%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.649717514124294% 5.649717514124294% 5.649717514124294% 5.649717514124294% \/ 10.152284263959391% 10.152284263959391% 10.152284263959391% 10.152284263959391%\" class=\"mask\" id=\"el-786736e9-c65c-4e70-b8fc-03475d2f310a\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:66.26214%;top:86.73139%;width:21.84466%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-25d01de7-8ee6-4b38-b022-a0bd3506e669\">\n<div style=\"position:absolute;width:100%;height:103.65841%;left:0%;top:-1.8292%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png\" alt=\"logo_bora_investir\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png 738w,https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3-300x69.png 300w\" sizes=\"(min-width: 1024px) 10vh, 22vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.13592%;top:65.37217%;width:76.45631%;height:16.50485%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-8c10c1fa-0bb6-42e6-95bf-846dfcb5240c\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.25714285714285673% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">Previd\u00eancia privada<\/span><br \/>\n<span style=\"color: #fff\">VGBL passa a ter cobran\u00e7a de IOF para aportes acima de R$ 50 mil<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:93.52751%;width:85.43689%;height:6.47249%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.681818181818182% 5.681818181818182% 5.681818181818182% 5.681818181818182% \/ 50% 50% 50% 50%\" class=\"mask\" id=\"el-92cae6f8-df95-48f0-b192-eecebecc3953\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.01456%;top:94.7411%;width:76.45631%;height:4.04531%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-8a49f4f4-e38c-4edc-861f-254dd1dc64cf\"><a href=\"https:\/\/borainvestir.b3.com.br\/objetivos-financeiros\/investir-melhor\/ir-e-iof-como-ficam-os-impostos-sobre-os-investimentos-apos-a-decisao-do-stf\/\" data-tooltip-icon=\"https:\/\/cdn.borainvestir.b3.com.br\/2025\/07\/17165053\/mudancas-imposto-renda-ir-iof.jpg\" data-tooltip-text=\"IR e IOF: Como ficam os impostos sobre os investimentos ap\u00f3s a decis\u00e3o do STF?\" target=\"_blank\" rel=\"noreferrer\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\"><\/p>\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.25714285714285673% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:center;padding:0;color:#000000\"><span><span style=\"font-weight: 700; text-decoration: underline; color: #fff\">Leia a mat\u00e9ria completa<\/span><\/span><\/p>\n<p><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"420ffcaa-5d44-47c0-be8f-3326d55aaa42\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#dedddc\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-93b1f43f-e7fd-4776-8810-079615f23e85\">\n<div style=\"position:absolute;width:316.04939%;height:100%;left:-108.02469%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2025\/03\/31181340\/FIDCs.jpg\" alt=\"O patrim\u00f4nio l\u00edquido acumulado de FIDCs teve um aumento de 42,11% na compara\u00e7\u00e3o com 2023. Foto: Pexels\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2025\/03\/31181340\/FIDCs.jpg 1200w,https:\/\/cdn.borainvestir.b3.com.br\/2025\/03\/31181340\/FIDCs-768x432.jpg 768w,https:\/\/cdn.borainvestir.b3.com.br\/2025\/03\/31181340\/FIDCs-300x169.jpg 300w,https:\/\/cdn.borainvestir.b3.com.br\/2025\/03\/31181340\/FIDCs-150x84.jpg 150w\" sizes=\"(min-width: 1024px) 143vh, 317vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:46.76375%;width:15.7767%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-c4f89b6d-8d18-4e3d-8775-29d69b8be4d7\">\n<div class=\"fill\" style=\"background-color:#ffab00;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:7.52427%;top:54.04531%;width:85.92233%;height:37.86408%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.649717514124294% 5.649717514124294% 5.649717514124294% 5.649717514124294% \/ 8.547008547008547% 8.547008547008547% 8.547008547008547% 8.547008547008547%\" class=\"mask\" id=\"el-6626b1e8-0b07-42c2-a961-e86539ea8890\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:66.26214%;top:86.73139%;width:21.84466%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-40316236-db82-45f3-b204-9955f7238a29\">\n<div style=\"position:absolute;width:100%;height:103.65841%;left:0%;top:-1.8292%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png\" alt=\"logo_bora_investir\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png 738w,https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3-300x69.png 300w\" sizes=\"(min-width: 1024px) 10vh, 22vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.37864%;top:57.60518%;width:76.45631%;height:29.12621%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-06baa4d2-d436-4a8c-9bda-3101b836fef3\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.25714285714285673% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">FIDC<\/span><br \/>\n<span style=\"color: #fff\">Antes, a&nbsp;compra inicial de cotas de FIDCs era isenta. Pelo decreto que voltou a valer, a aquisi\u00e7\u00e3o de cotas passa a ser tributada com uma al\u00edquota de 0,38%.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:93.52751%;width:85.43689%;height:6.47249%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.681818181818182% 5.681818181818182% 5.681818181818182% 5.681818181818182% \/ 50% 50% 50% 50%\" class=\"mask\" id=\"el-348ce3e2-7594-41f4-b710-d31acb92ffda\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.01456%;top:94.7411%;width:76.45631%;height:4.04531%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-638ba69f-5be1-4ca1-a32d-65847bbd11cc\"><a href=\"https:\/\/borainvestir.b3.com.br\/objetivos-financeiros\/investir-melhor\/ir-e-iof-como-ficam-os-impostos-sobre-os-investimentos-apos-a-decisao-do-stf\/\" data-tooltip-icon=\"https:\/\/cdn.borainvestir.b3.com.br\/2025\/07\/17165053\/mudancas-imposto-renda-ir-iof.jpg\" data-tooltip-text=\"IR e IOF: Como ficam os impostos sobre os investimentos ap\u00f3s a decis\u00e3o do STF?\" target=\"_blank\" rel=\"noreferrer\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\"><\/p>\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.25714285714285673% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:center;padding:0;color:#000000\"><span><span style=\"font-weight: 700; text-decoration: underline; color: #fff\">Leia a mat\u00e9ria completa<\/span><\/span><\/p>\n<p><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"e0bc357e-4f3d-463a-ab9a-2ae1f86cca77\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#815e25\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-63fe56e0-3363-4ffc-b4fb-668fb763e94a\">\n<div style=\"position:absolute;width:316.04939%;height:100%;left:-108.02469%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/08\/02152327\/como-investir-agronegocio.jpg\" alt=\"Agroneg\u00f3cio. Foto: Pixabay.\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/08\/02152327\/como-investir-agronegocio.jpg 960w,https:\/\/cdn.borainvestir.b3.com.br\/2023\/08\/02152327\/como-investir-agronegocio-768x432.jpg 768w,https:\/\/cdn.borainvestir.b3.com.br\/2023\/08\/02152327\/como-investir-agronegocio-300x169.jpg 300w,https:\/\/cdn.borainvestir.b3.com.br\/2023\/08\/02152327\/como-investir-agronegocio-150x84.jpg 150w\" sizes=\"(min-width: 1024px) 143vh, 317vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:7.52427%;top:50%;width:15.7767%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-715f08a1-02ed-4fad-a844-a8546c108682\">\n<div class=\"fill\" style=\"background-color:#ffab00;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:7.52427%;top:58.57605%;width:85.67961%;height:33.33333%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.6657223796034% 5.6657223796034% 5.6657223796034% 5.6657223796034% \/ 9.70873786407767% 9.70873786407767% 9.70873786407767% 9.70873786407767%\" class=\"mask\" id=\"el-bffdf655-23c9-46a4-8066-13c72cc611d7\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:66.26214%;top:86.73139%;width:21.84466%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-e0dbfec9-b5ae-4577-8fb9-edbaa1ecdd57\">\n<div style=\"position:absolute;width:100%;height:103.65841%;left:0%;top:-1.8292%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png\" alt=\"logo_bora_investir\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png 738w,https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3-300x69.png 300w\" sizes=\"(min-width: 1024px) 10vh, 22vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.8932%;top:66.01942%;width:76.94175%;height:20.71197%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-d8a10fd5-a004-4e36-80a7-035052fa21df\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.2555205047318608% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">LCIs e LCAs<\/span><span style=\"color: #fff\"> seguem isentas de imposto de renda, assim como os rendimentos distribu\u00eddos pelos <\/span><span style=\"font-weight: 700; color: #fff\">fundos imobili\u00e1rios (FIIs)<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:93.52751%;width:85.43689%;height:6.47249%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.681818181818182% 5.681818181818182% 5.681818181818182% 5.681818181818182% \/ 50% 50% 50% 50%\" class=\"mask\" id=\"el-01624c03-00c7-49c3-a29d-f53cf8d78168\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.01456%;top:94.7411%;width:76.45631%;height:4.04531%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-e3584fc8-c2fc-4feb-8ea3-c7606f2347eb\"><a href=\"https:\/\/borainvestir.b3.com.br\/objetivos-financeiros\/investir-melhor\/ir-e-iof-como-ficam-os-impostos-sobre-os-investimentos-apos-a-decisao-do-stf\/\" data-tooltip-icon=\"https:\/\/cdn.borainvestir.b3.com.br\/2025\/07\/17165053\/mudancas-imposto-renda-ir-iof.jpg\" data-tooltip-text=\"IR e IOF: Como ficam os impostos sobre os investimentos ap\u00f3s a decis\u00e3o do STF?\" target=\"_blank\" rel=\"noreferrer\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\"><\/p>\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.25714285714285673% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:center;padding:0;color:#000000\"><span><span style=\"font-weight: 700; text-decoration: underline; color: #fff\">Leia a mat\u00e9ria completa<\/span><\/span><\/p>\n<p><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"4bce5276-b611-47ab-9f0f-36c101c33b65\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#adaf8a\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-9b7b3ad4-c89d-4179-8577-4d41c321702f\">\n<div style=\"position:absolute;width:316.04939%;height:100%;left:-108.02469%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2024\/07\/05112805\/investir-agronegocio-imoveis-lci-lca.webp\" alt=\"Casa de madeira ao lado de moedas e de uma lupa. Foto: Adobe Stock\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2024\/07\/05112805\/investir-agronegocio-imoveis-lci-lca.webp 1200w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/07\/05112805\/investir-agronegocio-imoveis-lci-lca-768x432.webp 768w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/07\/05112805\/investir-agronegocio-imoveis-lci-lca-300x169.webp 300w,https:\/\/cdn.borainvestir.b3.com.br\/2024\/07\/05112805\/investir-agronegocio-imoveis-lci-lca-150x84.webp 150w\" sizes=\"(min-width: 1024px) 143vh, 317vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:56.95793%;width:15.7767%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-0dc2e2bb-3173-49b0-a3fe-3641b39ef8f4\">\n<div class=\"fill\" style=\"background-color:#ffab00;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:7.52427%;top:65.69579%;width:85.67961%;height:26.21359%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.6657223796034% 5.6657223796034% 5.6657223796034% 5.6657223796034% \/ 12.345679012345679% 12.345679012345679% 12.345679012345679% 12.345679012345679%\" class=\"mask\" id=\"el-f4883e21-571d-4a59-8672-dbf762a192b2\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:66.26214%;top:86.73139%;width:21.84466%;height:3.23625%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-7b2df52d-5f71-49c5-8826-60b32e853dc4\">\n<div style=\"position:absolute;width:100%;height:103.65841%;left:0%;top:-1.8292%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png\" alt=\"logo_bora_investir\" srcSet=\"https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3.png 738w,https:\/\/cdn.borainvestir.b3.com.br\/2023\/11\/22185205\/logo_bora_investir-3-300x69.png 300w\" sizes=\"(min-width: 1024px) 10vh, 22vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.13592%;top:70.71197%;width:76.94175%;height:12.29773%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-a45b71cb-b944-4da3-be92-dee9cf7ef0d8\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.2555205047318608% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">Entenda tudo o que mudou &#8211; e o que n\u00e3o mudou &#8211; para seus investimentos<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:7.28155%;top:93.52751%;width:85.43689%;height:6.47249%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:5.681818181818182% 5.681818181818182% 5.681818181818182% 5.681818181818182% \/ 50% 50% 50% 50%\" class=\"mask\" id=\"el-cb5cf533-74f8-4ae2-a0c7-3cbfe0b93dc5\">\n<div class=\"fill\" style=\"background-color:rgba(0,12,97,0.95);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.01456%;top:94.7411%;width:76.45631%;height:4.04531%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-2ad153ed-003e-4781-bdf3-9647c2e8eb4c\"><a href=\"https:\/\/borainvestir.b3.com.br\/objetivos-financeiros\/investir-melhor\/ir-e-iof-como-ficam-os-impostos-sobre-os-investimentos-apos-a-decisao-do-stf\/\" data-tooltip-icon=\"https:\/\/cdn.borainvestir.b3.com.br\/2025\/07\/17165053\/mudancas-imposto-renda-ir-iof.jpg\" data-tooltip-text=\"IR e IOF: Como ficam os impostos sobre os investimentos ap\u00f3s a decis\u00e3o do STF?\" target=\"_blank\" rel=\"noreferrer\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\"><\/p>\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.25714285714285673% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.3;text-align:center;padding:0;color:#000000\"><span><span style=\"font-weight: 700; text-decoration: underline; color: #fff\">Leia a mat\u00e9ria completa<\/span><\/span><\/p>\n<p><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><\/amp-story><\/body><\/html><\/p>\n","protected":false},"excerpt":{"rendered":"<p>LCIs e LCAs seguem isentas de imposto de renda, mas aportes acima de R$ 50 mil em planos VGBL passar\u00e3o a pagar IOF<\/p>\n","protected":false},"author":24,"featured_media":36823,"template":"","meta":{"_acf_changed":false,"web_stories_publisher_logo":31901,"web_stories_poster":[],"web_stories_products":[],"footnotes":""},"web_story_category":[],"web_story_tag":[],"class_list":["post-57441","web-story","type-web-story","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v24.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>IR e IOF: Como ficam os impostos sobre os investimentos ap\u00f3s a decis\u00e3o do STF? | Bora Investir<\/title>\n<meta name=\"description\" content=\"LCIs e LCAs seguem isentas de imposto de renda, mas aportes acima de R$ 50 mil em planos VGBL passar\u00e3o a pagar IOF\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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