Discover the main products in the financial market
Posted: Mon Jan 20, 2025 3:38 am
Whenever an individual or legal entity needs an investment to finance their activities, they look for one of the products on the financial market. These are marketed by financial institutions and offered by intermediaries.
The subdivisions of the financial market are:
monetary
credit
exchange rate
of capitals
of derivatives
Products can be active or passive and each modality has its own characteristics.
In this article, we will present the main financial products pakistan whatsapp data available on the market and indicate what characterizes them.
The main products of the financial market
Financial products can be classified as assets or liabilities. See the peculiarities:
Liabilities
The purpose of passive money market products is to control the liquidity of the economy. The securities have a high probability of being converted into money and are short or very short term. Their issuers can be public or private and their purpose is to raise funds from banks.
Understand each of the products in this category better:
Bank Deposit Certificate (CDB)
These securities are issued by investment, commercial or multiple banks and are used to raise funds from individual or corporate investors. The money is transferred to customers in traditional transactions, such as working capital.
Profitability can be fixed (1 year or more), post-fixed (with a minimum of 30 days for the Reference Rate – TR and Long-Term Interest Rate – TJLP) or floating (as is the case with the DI over indexation).
Income Tax (IR) is charged according to the regressive table (ranging from 22.5% to 15%) and Tax on Financial Transactions (IOF) for investments with less than 30 days (incidence ranging from 96% to 3%).
This title can be transferred to another agent and is registered at the Central Custody and Financial Settlement of Private Securities (Cetip).
The Bank Deposit Receipt (RDB) is similar to the CDB, but cannot be transferred.
Savings
This is a term deposit that has a monthly return. The return occurs on the anniversary date of the investment. For legal entities with profit motives, the return is quarterly.
The subdivisions of the financial market are:
monetary
credit
exchange rate
of capitals
of derivatives
Products can be active or passive and each modality has its own characteristics.
In this article, we will present the main financial products pakistan whatsapp data available on the market and indicate what characterizes them.
The main products of the financial market
Financial products can be classified as assets or liabilities. See the peculiarities:
Liabilities
The purpose of passive money market products is to control the liquidity of the economy. The securities have a high probability of being converted into money and are short or very short term. Their issuers can be public or private and their purpose is to raise funds from banks.
Understand each of the products in this category better:
Bank Deposit Certificate (CDB)
These securities are issued by investment, commercial or multiple banks and are used to raise funds from individual or corporate investors. The money is transferred to customers in traditional transactions, such as working capital.
Profitability can be fixed (1 year or more), post-fixed (with a minimum of 30 days for the Reference Rate – TR and Long-Term Interest Rate – TJLP) or floating (as is the case with the DI over indexation).
Income Tax (IR) is charged according to the regressive table (ranging from 22.5% to 15%) and Tax on Financial Transactions (IOF) for investments with less than 30 days (incidence ranging from 96% to 3%).
This title can be transferred to another agent and is registered at the Central Custody and Financial Settlement of Private Securities (Cetip).
The Bank Deposit Receipt (RDB) is similar to the CDB, but cannot be transferred.
Savings
This is a term deposit that has a monthly return. The return occurs on the anniversary date of the investment. For legal entities with profit motives, the return is quarterly.