O que é nota técnica

What is a technical note?

A technical note is a document that contains detailed and specific information on a given subject related to the field of finance. It is usually prepared by experts in the field and is intended to provide technical guidance and clarify doubts about a specific topic.

Fixed Income Simulator

Compare CDB, LCI, LCA, Tesouro Direto e Poupança em segundos

Preencha os campos abaixo com o valor que pretende investir, o prazo e o produto desejado — depois clique em Simular agora para ver o resultado completo com gráfico e comparativo.

CDI / Seliccarregando...

IPCA (12m)carregando...

Savingscarregando...

Valor inicial (R$)

Aporte mensal (R$)

Deadline

Tipo de rentabilidade

Taxa

% CDI

CDB: incide Regressive income tax (22,5% até 180 dias → 15% acima de 720 dias) e IOF nos primeiros 30 dias.

Type

Taxa

% CDI

LCI/LCA são isentas de IR para pessoa física — ótimas para médio e longo prazo.

Title

Spread / Taxa extra

% a.a.

Tesouro: incide IR regressivo + taxa de custódia B3 de 0,20% a.a. (já incluída na simulação).

Com Selic acima de 8,5% a.a.: rende 0,5% ao mês + TR. Com Selic ≤ 8,5%: rende 70% da Selic + TR. Isenta de IR.

Como usar: preencha o valor que pretende investir, defina o prazo e escolha o tipo de investimento nas abas acima — depois clique em Simular agora para ver o resultado completo com gráfico e comparativo.

How a technical note is drawn up

Drafting a technical note involves detailed research into the subject in question, analysis of relevant data and information, as well as writing a clear and objective text. It is important that the technical note is based on reliable and up-to-date sources to ensure its credibility.

What a technical note is for

A technical note is useful for helping to make decisions, both professionally and academically. It can be used to support arguments, support projects and subsidize studies and research in the area of finance.

Characteristics of a technical note

A technical note generally uses technical and formal language, with terms specific to the area of finance. In addition, it is often structured into topics and subsections, to make it easier to read and understand the content.

Examples of technical notes

There are various types of technical notes in the area of finance, such as notes on investment analysis, financial management, capital markets, among others. Each technical note addresses a specific topic and provides relevant, up-to-date information on the subject.