PGBL X outros investimentos: preencha apenas os cam

PGBL. Os resultados est

Renda Total Tributvel (seu salrio anual)

R$

200,000.00

(12% do total da Renda)

R$

24,000.00

R$ Final resgatado
PGBL aps 20 anos - Lquido

R$

268,234.50

LCI / LCA aps 20 anos - Lquida

R$

221,525.67

Debnture IPCA + Prmio - Lquido em 20 anos

R$

261,011.10

1*

A LCI e a Debnture esto com Gross Up de 15 %

2*

R$ Final resgatado simula o resgate das aplica

3*

Tanto o CDI quanto o IPCA so estimativas, pode

4*

Somente os campos com letras vermelhas e fun

5*

Para o PGBL o valor Inicial cheio, para LCI e De

ncha apenas os campos com fundo amarelo e descubra se v

. Os resultados esto indicados nos campos com fundo verd
100%

IPCA

6.50%

CDI

14.13%

12%
Taxa
95.00% do CDI Bruto
PGBL
112.94% do CDI Bruto

LCI / LCA
Debnture Isenta

17.06% Bruto

nture esto com Gross Up de 15 %.

ado simula o resgate das aplicaes, no PGBL 10%, e na LCI e Debnture 15 % (Gross Up).

anto o IPCA so estimativas, podendo ser alterados caso necessrio.

mpos com letras vermelhas e fundo amarelo podem ser alterados.

valor Inicial cheio, para LCI e Debnture h um imposto de 27,5% na cabea.

relo e descubra se voc deveria ou no investir em

pos com fundo verde
0.85

Mude se achar que a inflao ser maior ou menor

Usei a taxa atual. Atualize no futuro se necessrio

Taxa Lquida
95% do CDI

Considere o retorno histrico mdio de sua previdncia

96% do CDI

Considere o melhor precentual que voc conseguiria

8.0% Prmio

Considere o melhor precentual que voc conseguiria

15 % (Gross Up).

Tabela regressiva do IR para PGBL

Prazo de investimento
Alquota do IR
at 2 anos
35%
de 2 a 4 anos
30%
de 4 a 6 anos
25%
de 6 a 8 anos
20%
de 8 a 10 anos
15%
acima de 10 anos
10%

Rentabilidade ano
Ms
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

24,253.24
24,509.16
24,767.78
25,029.12
25,293.22
25,560.11
25,829.82
26,102.37
26,377.80
26,656.13
26,937.40
27,221.64
27,508.88
27,799.15
28,092.48
28,388.90
28,688.46
28,991.17
29,297.08
29,606.22
29,918.62
30,234.32
30,553.34
30,875.74
31,201.53
31,530.76
31,863.47
32,199.69
32,539.45
32,882.80
33,229.78
33,580.41
33,934.75
34,292.82
34,654.67
35,020.34
35,389.87
35,763.30
36,140.66
36,522.01
36,907.39
37,296.83
37,690.38
38,088.08
38,489.98
38,896.12

13.42% CDI Ms

1.06%

47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

39,306.54
39,721.30
40,140.43
40,563.98
40,992.01
41,424.55
41,861.65
42,303.37
42,749.75
43,200.83
43,656.68
44,117.34
44,582.86
45,053.29
45,528.68
46,009.09
46,494.57
46,985.17
47,480.95
47,981.96
48,488.26
48,999.90
49,516.93
50,039.43
50,567.43
51,101.01
51,640.22
52,185.12
52,735.77
53,292.23
53,854.56
54,422.82
54,997.08
55,577.40
56,163.84
56,756.47
57,355.35
57,960.56
58,572.15
59,190.19
59,814.75
60,445.91
61,083.72
61,728.27
62,379.61
63,037.83
63,702.99
64,375.18

95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

65,054.45
65,740.89
66,434.58
67,135.58
67,843.99
68,559.86
69,283.29
70,014.36
70,753.14
71,499.71
72,254.16
73,016.58
73,787.03
74,565.62
75,352.42
76,147.53
76,951.02
77,763.00
78,583.54
79,412.74
80,250.69
81,097.48
81,953.20
82,817.96
83,691.84
84,574.94
85,467.36
86,369.19
87,280.54
88,201.51
89,132.20
90,072.71
91,023.14
91,983.60
92,954.19
93,935.03
94,926.21
95,927.85
96,940.07
97,962.96
98,996.65
100,041.24
101,096.86
102,163.62
103,241.63
104,331.01
105,431.90
106,544.39

143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

107,668.63
108,804.73
109,952.82
111,113.02
112,285.46
113,470.28
114,667.60
115,877.55
117,100.27
118,335.89
119,584.55
120,846.38
122,121.53
123,410.13
124,712.33
126,028.28
127,358.10
128,701.96
130,060.00
131,432.37
132,819.22
134,220.71
135,636.98
137,068.19
138,514.51
139,976.09
141,453.09
142,945.68
144,454.02
145,978.27
147,518.61
149,075.20
150,648.21
152,237.82
153,844.21
155,467.54
157,108.01
158,765.78
160,441.05
162,133.99
163,844.80
165,573.66
167,320.77
169,086.30
170,870.47
172,673.47
174,495.48
176,336.73

191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

178,197.40
180,077.71
181,977.85
183,898.05
185,838.51
187,799.44
189,781.07
191,783.60
193,807.27
195,852.29
197,918.89
200,007.29
202,117.73
204,250.44
206,405.65
208,583.61
210,784.54
213,008.70
215,256.33
217,527.68
219,822.99
222,142.52
224,486.53
226,855.27
229,249.00
231,668.00
234,112.51
236,582.83
239,079.21
241,601.93
244,151.26
246,727.50
249,330.93
251,961.82
254,620.48
257,307.19
260,022.24
262,765.95
265,538.61
268,340.52
271,172.00
274,033.36
276,924.91
279,846.97
282,799.86
285,783.92
288,799.46
291,846.82

239 R$
240 R$

294,926.33
298,038.34

R$ inicial

24,000.00

Rentabilidade ano
Ms
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

17,585.43
17,772.83
17,962.23
18,153.64
18,347.10
18,542.62
18,740.22
18,939.93
19,141.77
19,345.76
19,551.92
19,760.28
19,970.85
20,183.68
20,398.77
20,616.15
20,835.85
21,057.89
21,282.30
21,509.10
21,738.31
21,969.97
22,204.10
22,440.72
22,679.86
22,921.55
23,165.82
23,412.69
23,662.19
23,914.35
24,169.20
24,426.76
24,687.07
24,950.15
25,216.04
25,484.76
25,756.34
26,030.81
26,308.22
26,588.57
26,871.92
27,158.28
27,447.70
27,740.20
28,035.82
28,334.59

13.56% CDI Ms

1.07%

47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

28,636.54
28,941.71
29,250.13
29,561.84
29,876.87
30,195.26
30,517.04
30,842.25
31,170.93
31,503.11
31,838.82
32,178.12
32,521.03
32,867.60
33,217.86
33,571.85
33,929.61
34,291.19
34,656.62
35,025.94
35,399.20
35,776.44
36,157.70
36,543.02
36,932.44
37,326.02
37,723.79
38,125.80
38,532.10
38,942.72
39,357.72
39,777.14
40,201.03
40,629.44
41,062.42
41,500.00
41,942.26
42,389.22
42,840.95
43,297.49
43,758.90
44,225.22
44,696.51
45,172.83
45,654.22
46,140.74
46,632.45
47,129.40

95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

47,631.64
48,139.23
48,652.24
49,170.71
49,694.70
50,224.28
50,759.51
51,300.43
51,847.13
52,399.64
52,958.05
53,522.41
54,092.78
54,669.22
55,251.82
55,840.62
56,435.69
57,037.11
57,644.93
58,259.24
58,880.08
59,507.55
60,141.70
60,782.61
61,430.35
62,085.00
62,746.61
63,415.28
64,091.08
64,774.08
65,464.35
66,161.98
66,867.05
67,579.63
68,299.80
69,027.65
69,763.26
70,506.70
71,258.07
72,017.44
72,784.91
73,560.55
74,344.46
75,136.73
75,937.43
76,746.67
77,564.54
78,391.12

143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

79,226.50
80,070.79
80,924.08
81,786.46
82,658.03
83,538.89
84,429.14
85,328.87
86,238.19
87,157.20
88,086.01
89,024.71
89,973.42
90,932.24
91,901.27
92,880.63
93,870.43
94,870.78
95,881.78
96,903.56
97,936.23
98,979.91
100,034.70
101,100.74
102,178.13
103,267.01
104,367.49
105,479.70
106,603.77
107,739.81
108,887.95
110,048.34
111,221.09
112,406.33
113,604.21
114,814.85
116,038.39
117,274.98
118,524.74
119,787.82
121,064.35
122,354.50
123,658.39
124,976.17
126,308.00
127,654.03
129,014.39
130,389.26

191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

131,778.77
133,183.09
134,602.38
136,036.79
137,486.49
138,951.64
140,432.40
141,928.94
143,441.43
144,970.04
146,514.94
148,076.30
149,654.30
151,249.11
152,860.92
154,489.91
156,136.26
157,800.15
159,481.77
161,181.32
162,898.97
164,634.93
166,389.39
168,162.55
169,954.60
171,765.75
173,596.20
175,446.16
177,315.83
179,205.43
181,115.16
183,045.24
184,995.89
186,967.33
188,959.78
190,973.46
193,008.60
195,065.43
197,144.18
199,245.08
201,368.37
203,514.28
205,683.07
207,874.96
210,090.22
212,329.08
214,591.80
216,878.63

239 R$
240 R$

219,189.84
221,525.67

R$ inicial

17,400.00

Rentabilidade ano
Ms
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

17,597.45
17,797.14
17,999.09
18,203.34
18,409.90
18,618.81
18,830.09
19,043.77
19,259.87
19,478.42
19,699.46
19,923.00
20,149.08
20,377.72
20,608.96
20,842.82
21,079.34
21,318.54
21,560.46
21,805.12
22,052.55
22,302.80
22,555.88
22,811.84
23,070.70
23,332.49
23,597.26
23,865.03
24,135.84
24,409.73
24,686.72
24,966.86
25,250.17
25,536.70
25,826.48
26,119.55
26,415.95
26,715.70
27,018.86
27,325.46
27,635.54
27,949.14
28,266.30
28,587.05
28,911.45
29,239.52

14.50% CDI Ms

1.13%

47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

29,571.32
29,906.89
30,246.26
30,589.48
30,936.60
31,287.66
31,642.70
32,001.77
32,364.91
32,732.17
33,103.61
33,479.25
33,859.16
34,243.38
34,631.97
35,024.96
35,422.41
35,824.37
36,230.89
36,642.02
37,057.82
37,478.34
37,903.63
38,333.75
38,768.74
39,208.68
39,653.60
40,103.57
40,558.65
41,018.90
41,484.37
41,955.11
42,431.21
42,912.70
43,399.66
43,892.14
44,390.21
44,893.93
45,403.37
45,918.59
46,439.66
46,966.64
47,499.60
48,038.61
48,583.73
49,135.04
49,692.61
50,256.50

95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

50,826.79
51,403.55
51,986.86
52,576.79
53,173.41
53,776.80
54,387.04
55,004.20
55,628.37
56,259.62
56,898.03
57,543.69
58,196.67
58,857.07
59,524.96
60,200.42
60,883.55
61,574.44
62,273.16
62,979.81
63,694.48
64,417.27
65,148.25
65,887.53
66,635.19
67,391.34
68,156.08
68,929.48
69,711.67
70,502.73
71,302.77
72,111.89
72,930.19
73,757.77
74,594.74
75,441.22
76,297.30
77,163.09
78,038.71
78,924.26
79,819.86
80,725.63
81,641.67
82,568.11
83,505.06
84,452.65
85,410.98
86,380.19

143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

87,360.40
88,351.74
89,354.32
90,368.28
91,393.74
92,430.84
93,479.71
94,540.49
95,613.30
96,698.28
97,795.57
98,905.32
100,027.66
101,162.74
102,310.69
103,471.68
104,645.83
105,833.32
107,034.27
108,248.86
109,477.22
110,719.53
111,975.93
113,246.59
114,531.67
115,831.33
117,145.75
118,475.07
119,819.48
121,179.15
122,554.24
123,944.94
125,351.42
126,773.86
128,212.44
129,667.35
131,138.77
132,626.88
134,131.88
135,653.96
137,193.31
138,750.12
140,324.61
141,916.96
143,527.38
145,156.07
146,803.25
148,469.12

191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

150,153.89
151,857.78
153,581.00
155,323.78
157,086.33
158,868.89
160,671.67
162,494.92
164,338.85
166,203.70
168,089.72
169,997.14
171,926.20
173,877.15
175,850.25
177,845.73
179,863.85
181,904.88
183,969.07
186,056.68
188,167.98
190,303.24
192,462.73
194,646.72
196,855.50
199,089.34
201,348.53
203,633.36
205,944.11
208,281.09
210,644.58
213,034.90
215,452.34
217,897.21
220,369.82
222,870.50
225,399.55
227,957.30
230,544.07
233,160.19
235,806.01
238,481.85
241,188.05
243,924.96
246,692.93
249,492.30
252,323.45
255,186.72

239 R$
240 R$

258,082.48
261,011.10

R$ inicial

17,400.00