CRI and CRA / Understand How the Platforms Work

One thing that many people don't know is that fixed income offers everyone thousands of interesting opportunities for investors and one of the best known in the market are: Cri and Cra.

Before, they were restricted only to qualified investors, but this has been changing for a while and nowadays, these same investments are becoming increasingly accessible to all types of investors.

But do you know what Cri and Cra are? Well, if you are looking for an article that can explain these investments in detail and a lot of information that make up the same, know that this is the right place for you.

What is Cri and Cra?

The Real Estate Receivables Certificate (CRI) and the Agribusiness Receivables Certificate (CRA) are fixed income securities, which in turn are linked to credit operations carried out in the real estate and agribusiness sectors.

These same titles are used mainly so that the company that issues the credits has its receipts in advance. In this way, the investor can receive the amount invested with interest from the issuer periodically or on the maturity date of the certificate.

Also remembering that for the operation to be feasible, the credit issuing companies are responsible for contracting several private companies (known as securitization companies) for the bonds to be issued;

How do they work?

For its investors, these investments work in a similar way to any other fixed-income investment, and are also made available on platforms so that everyone can have access to purchase them.

As mentioned earlier, the aforementioned investments (Cri and Cra) can only be issued by securitization companies, which is why they buy the credit and transform it into securities, which are then negotiated with investors. Most of the time, this process is done in trust, which makes the investment safer.

This basically means that the receivables are separated from the issuing company's equity, so the investor payment flow is not affected if the securitization company has financial problems.

They can have prefixed, post-fixed and hybrid profitability and are medium to long-term investments and tend to have low liquidity.

Advantages of investing in Cri and Cra

Now that you could get to know and understand better how investments work, it's time to see their main advantages.

The first is their return potential, as they are investment options that can offer higher earnings expectations than other fixed income options.

In addition, these are income tax-exempt investments and may pay more, considering other fixed income investments that have the same application period.

As they are Income Tax-Exempt investments, through them it is possible to improve your physical profitability in certain cases and situations.

These and many others are the main advantages of investing in Cri and Cra.

How to invest?

If you've come this far and want to find out how to invest in Cri and Cra, know that we'll teach you next. The first step to be able to invest is to have an account at a stockbroker, as it will give you access to the securities market, so that you can find what you like best.

After finding your title, you need to analyze the prospectus, a document that presents all the information about the offer, if it fits what you are looking for, ask the institution to reserve it.

At the time of request, you must indicate how many securities you wish to buy, after that, the final value of the receivables certificates and the amount to which each investor will be entitled will be disclosed.

After that, just follow the indications of your stockbroker so that you can finalize the purchase of your securities and finalize your investment.