Post by hoymonte on Oct 17, 2023 20:12:50 GMT -8
There are several types of investment funds that, because they provide accessible benefits, attract the attention of various investors, including beginners. On the other hand, there are others that are more specific and aimed at investors with more experience, such as the Credit Rights Investment Fund (FIDC). In general, the FIDC is a category of fund that makes it possible to finance activities in the real economy. In other words, these are credit funds that lend resources to institutions that wish to grow or restructure. Although this investment is still little known, it has played a very important role in the business world. After all, the FIDC offers several advantages for those who want to combine profit with diversification, in addition to being the most favorable option as it makes it possible to obtain capital with low risk and without bureaucracy. As the FIDC has some specific characteristics, it is necessary to understand its structure in detail before organizing your investment portfolio. With this in mind, we prepared this article to better explain what FIDC is and its main points, as well as highlighting why it is an ideal solution for custodians.
Continue reading and find out more about number database the subject! Understand what FIDC is and how it works Before explaining the FIDC concept in detail, it is necessary to understand Credit Rights. The so-called Credit Rights are all the credits that a company has to receive through checks, bills, credit card installments or rentals. In this case, it is possible for the company to transform its client's debt into a negotiable security, which is sold to an investor at a lower amount. Thus, when the payment is made, the amount will not go to the company, but to the investor. That's where FIDC comes in — a type of investment that seeks returns through these rights. Thus, the Credit Rights Investment Fund (FIDC) is an application characterized by concentrating a portion of at least 50% of the resources for the purchase of credit rights and representative securities, resulting from accounts receivable from a specific company.
We can say that FIDC is generated when a company gives someone the right to receive money to be paid in the future. In practice, a company that has a certain amount to receive passes it on to an investment fund. Afterwards, shares will be offered to investors in the market. Finally, the FIDC becomes the creditor of the debt that made the operation possible. It is worth mentioning that the FIDC consists of a fixed income investment, that is, the income is linked to a previously established rate, so the investor knows from the beginning the total amount he will receive at the end of the investment. A standout factor of FIDC is the diversity of categories. Although it is characterized as fixed income, the investment is usually divided into shares. Look: senior quota: aims at pre-fixed income and has preference for receiving interest, amortization and redemption value; subordinated quota: receives a higher value if the fund above expectations, but also assumes the risk of default if the credits are not implemented.