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Low risk and guaranteed profitability investments

Bank Deposit Certificate (CDB)

Bank Deposit Certificates (CDBs) are the most traditional fixed income securities in the Brazilian market. They are issued exclusively by financial institutions. The investment period and rates are negotiated according to the need of your company. Rates can be prefixed, postfixed or floating.

Benefits:

  • Low risk investment.
  • A daily liquidity can be negotiated, considering the minimum terms and conditions agreed upon engagement.
  • The soundness and security of Banco Votorantim.
  • This type of investment is backed by the Credit Guarantee Fund, regulated by the Brazilian Central Bank, pursuant to current legislation.

Repurchase and Resale Commitment

Alternative fixed income investment characterized by the sale of a (public or private) security with the commitment of repurchase by Banco Votorantim and the commitment of resale by the customer.

The Repurchase and Resale Commitment has previously defined profitability and term.

Benefits

  • Investment associated with the security of Banco Votorantim.
  • A daily liquidity can be negotiated, considering the minimum terms and conditions agreed upon engagement.
  • Additional guarantee of the security subject to repurchase and resale commitment.

Government Bonds

Type of investment based on fixed income securities, issued by the National Treasury.

These bonds are primarily intended to raise funds for financing public debt and the activities of the Federal Government.

Rates and maturities are defined at the start of the operation

Agribusiness Credit Bill (LCA)

Free trading nominative credit security issued by public and private financial institutions backed by credit operations to finance the agribusiness chain. Minimum maturity pursuant to current regulations.

Benefits

  • Tax efficiency.
  • The LCA grants the investor the right to pledge agribusiness credit rights linked to the security.
  • This type of investment is backed by the Credit Guarantee Fund, regulated by the Brazilian Central Bank, pursuant to current legislation.

Real Estate Credit Bill (LCI)

Free trading nominative credit securities issued by public and private financial institutions backed by credit operations guaranteed by real estate mortgage or pledge. Minimum maturity pursuant to current regulations.

 

Benefits

  • Tax efficiency.
  • This type of investment is backed by the Credit Guarantee Fund, regulated by the Brazilian Central Bank, pursuant to current legislation.

Financing Bill (LF)

The Financial Bill (LF) is a type of financial investment characterized by a transferable free-trade security issued by financial institutions comprising a cash payment promise.

The LF has a minimum initial investment of R$ 150,000 and can be contracted with or without interest payment, at least every 180 days.

The minimum term of the operation is 2 years and total or partial redemption is not allowed before the agreed maturity.

 

Benefit

  • Possibility of obtaining a more attractive return when compared to long term investments.

Certificates of Structured Transactions (COE)

Method of financial investment with profitability linked to the change in the price of the underlying asset (asset on which a derivative contract is made), according to the criteria of convenience and opportunity of the investor to make the investments.

 

Benefits

  • By combining fixed and variable income, the COE can provide differentiated returns in different scenarios.
  • Investment with total capital protected. 
Operation subject to credit approval and product conditions.

Differentiated return appropriate to your profile

Structured Products

We have developed investment structures combined with derivative operations that offer a potentially differentiated return, always respecting the adequacy of the operation to the profile and the needs of each customer.

Operation subject to credit approval and product conditions.

Check out the different types of funds available

Soundness, security and credibility for your company’s business dealings.

Votorantim Asset Management (VAM) is the third-party asset management company of Banco Votorantim. According to the Anbima ranking, it is one of the ten largest asset management firms on the market.

VAM has investment solutions for managing your cash – whether of your company or a group of companies.

A team of specialists works exclusively in this service, in order to understand your needs and, based on that understanding, propose appropriate solutions for your demand.

VAM puts its customers in the foreground and maintains a relationship of recognition with them.

The search for high performance is consistent, with strict fulfillment of deliverables to customers. The Compliance, Legal and Risk departments stand out for their robust and independent performance.

VAM Fund Management

Funds managed by Votorantim Asset Management that complete your investment portfolio.

Structured Funds

Such funds bring added-value to your assets, diversify management across sectors of the economy and seek new business options in the real economy.

Operation subject to credit approval and product conditions.