Glossary

The gradual reduction of a debt through periodic payments that cover both principal and interest.

Asset quality is how far you can trust that an investment, a loan or a company will hold its value and deliver what it promised. It is measured with indicators such as credit rating, consistent returns and debt levels — not with opinions.

Understand what bolsa de valores is, how it works, advantages, risks and practical examples of application in the Brazilian financial market.

Bull Market e Bear Market are terms used to describe the trends of the stock market, where Bull Market represents a period of high and optimism, while Bear Market represents a period of low and pessimism.

The profit obtained from selling an asset for more than its purchase price. Subject to income tax in most cases.

What Cash flow is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

What cash flow Excel is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

Understand what cdb is, how it works, advantages, risks and practical examples of application in the Brazilian financial market.

Interbank Deposit Certificate. The benchmark interest rate for fixed-income investments in Brazil. It closely follows the Selic rate.

Come-cotas is the advance collection of income tax on certain Brazilian investment funds, charged twice a year — on the last business day of May and November. Instead of taking cash, the fund cancels part of your quotas, which is where the nickname comes from.

What company expense category is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

What complete shopping list is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

Interest calculated on both the initial principal and the accumulated interest from previous periods. The snowball effect of money.

A group purchasing system where participants contribute monthly to a common fund and are periodically selected to receive the full amount.

Corporate governance is the set of rules and controls that define how a company is directed and supervised. For anyone buying shares, it decides whether you are a real partner or just a passenger: good governance protects the minority shareholder.

What cost of living is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

What cost of living in Paraguay is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

What Cost of Living in Spain is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

The ability to use money you don't have yet and pay for it later — convenient, but only as long as you can see what you're spending.

What Credit Card Statement is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

A numerical score that indicates the probability of a person paying their bills on time. Ranges from 0 to 1000 in Brazil.

Debt securities issued by companies to raise capital. The investor lends money to the company in exchange for interest.

Understand what debt is, how it works, advantages, risks and practical examples.

What Discounted Cash Flow is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

Understand what diversificação is, how it works, advantages, risks and practical examples of application in the Brazilian financial market.

The Dividend Yield is a measure that calculates the relationship between the value of dividends paid by a company and the current price of its shares. This helps us understand how much a share can yield in terms of dividends compared to its market price.

A portion of a company's profits distributed to shareholders. A form of passive income from stock investments.

Paying off a debt before its due date, usually with a discount on interest. A right guaranteed by Brazilian consumer law.

Money set aside to cover unexpected expenses or income loss. Ideally 3 to 6 months of essential expenses.

Understand what etf is, how it works, advantages, risks and practical examples of application in the Brazilian financial market.

What Expense category is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

What Expense control is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

What family financial planning is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

Protection provided by the Credit Guarantee Fund that covers up to R$250,000 per CPF per institution in case of bank failure.

What FGTS (Severance Fund) is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

The state where a person has enough resources to cover expenses and maintain their lifestyle without financial stress.

The set of knowledge and skills that help you make better decisions about money, spending, saving, and investing.

An unexpected situation that requires immediate use of financial resources, such as medical emergencies or job loss.

Understand what taxa is, how it works, advantages, risks and practical examples of application in the Brazilian financial market.

A specific, measurable financial objective with a defined deadline. Examples: emergency fund, home purchase, retirement.

The state where your passive income covers all your living expenses without needing to work.

Understand what aplicação is, how it works, advantages, risks and practical examples of application in the Brazilian financial market.

What Financial market is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

Understand what opcão is, how it works, advantages, risks and practical examples of application in the Brazilian financial market.

What financial planning is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

What financial planning spreadsheet is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

Understand what valor is, how it works, advantages, risks and practical examples of application in the Brazilian financial market.

A long-term loan for purchasing high-value assets like real estate or vehicles, where the asset serves as collateral.

What fixed and variable expense is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

What fixed expense is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

Understand what fixed income is, how it works, advantages, risks and practical examples.

The exchange of one currency for another. The exchange rate determines how much one currency is worth relative to another.

What guarantee is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

Understand what hedge is, how it works, advantages, risks and practical examples of application in the Brazilian financial market.

Understand what income tax is, how it works, advantages, risks and practical examples.

The general and continuous increase in prices of goods and services. It reduces the purchasing power of money over time.

What Installments is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

Understand what juros is, how it works, advantages, risks and practical examples of application in the Brazilian financial market.

What investment is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

Understand what fundos is, how it works, advantages, risks and practical examples of application in the Brazilian financial market.

A federal tax on financial operations including loans, foreign exchange, insurance, and securities transactions.

Brazil's official inflation index, measured by IBGE. It tracks the price variation of products and services consumed by families.

What IPVA installment is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

Understand what kyc is, how it works, advantages, risks and practical examples of application in the Brazilian financial market.

LC stands for Letra de Câmbio: a Brazilian fixed-income security issued by finance companies, similar to a CDB and covered by the deposit guarantee fund. It usually pays more than a bank CDB because the issuer is a smaller institution — and it has nothing to do with LCI/LCA or with a trade-finance letter of credit.

What LCA is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

Real Estate Credit Letters (LCI) and Agribusiness Credit Letters (LCA). Fixed-income investments exempt from income tax for individuals.

Alavancagem is a financial strategy that involves the use of loans or other resources to increase the potential return on an investment. This allows investors to expand their profit opportunities, but also increases the risk of losses.

The ease and speed with which an asset can be converted into cash without significant loss of value.

Money you borrow now and pay back over time in installments, plus an extra cost on top: interest.

What MEI installment payment is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

Understand what moeda is, how it works, advantages, risks and practical examples of application in the Brazilian financial market.

What monthly income is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

What monthly income of Neymar is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

What monthly lifetime income is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

What monthly shopping list is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

What mortgage is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

What Negotiation is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

The total value of your assets minus all your debts and obligations.

What obligation is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

What Outstanding balance is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

A pre-approved credit line linked to your checking account. One of the most expensive forms of credit in Brazil.

What Patrimônio is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

A financial plan that organizes income and expenses, helping you understand where your money goes and how to save more.

What personal expense category is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

What personal financial planning is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

Brazil's instant payment system created by the Central Bank. Allows free transfers 24/7 between any bank accounts.

The current worth of a future sum of money, discounted at a specific interest rate. A fundamental concept in financial analysis.

The P/L (Price/Earnings) is a financial measure that indicates the price of a stock in relation to the earnings per share of the company. It helps to evaluate if the price of a stock is fair compared to the company's financial performance.

A long-term investment plan for retirement that complements public social security. Available as PGBL or VGBL plans.

The percentage of revenue that remains as profit after deducting all costs and expenses of a business.

Investment funds that invest in real estate properties or real estate-related securities, distributing rental income to shareholders.

What recurring expense is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

Constant Amortization System. A loan repayment method where installments decrease over time as the principal is reduced.

Explanation of Tabela SAC vs Price in the Brazilian financial context.

Understand what bônus is, how it works, advantages, risks and practical examples of application in the Brazilian financial market.

Understand what savings is, how it works, advantages, risks and practical examples.

Understand what selic is, how it works, advantages, risks and practical examples of application in the Brazilian financial market.

What shopping list is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

What shopping list for the supermarket is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

Interest calculated only on the initial principal amount. Unlike compound interest, it does not generate interest on interest.

What Simple National Installment is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

What Spending limit is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

The spread bancário is the difference between the value that a bank pays to borrow money and the value that it charges to lend the same money. This means that banks make money from the difference between these two rates.

Understand what ações is, how it works, advantages, risks and practical examples of application in the Brazilian financial market.

Understand what tesouro direto is, how it works, advantages, risks and practical examples of application in the Brazilian financial market.

Understand what usura is, how it works, advantages, risks and practical examples of application in the Brazilian financial market.

What usurious interest is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

What Variable expense is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

Investments where returns are not guaranteed and depend on market conditions. Examples: stocks, REITs, ETFs.

Understand what venda a descoberto is, how it works, advantages, risks and practical examples of application in the Brazilian financial market.

The degree of variation in the price of a financial asset over time. Higher volatility means higher risk and potential return.

Understand what wall street is, how it works, advantages, risks and practical examples of application in the Brazilian financial market.

Professional financial advisory service for high-net-worth individuals, covering investments, tax planning, and estate planning.

What WhatsApp expense control is and how it shows up in your everyday money — explained simply, with a practical way to track it in FinMoovi.

Understand what yahoo finance is, how it works, advantages, risks and practical examples of application in the Brazilian financial market.

Understand what yield is, how it works, advantages, risks and practical examples of application in the Brazilian financial market.

Understand what z-score is, how it works, advantages, risks and practical examples of application in the Brazilian financial market.

Understand what zero coupon is, how it works, advantages, risks and practical examples of application in the Brazilian financial market.