{"id":22962,"date":"2023-04-16T09:00:00","date_gmt":"2023-04-16T07:00:00","guid":{"rendered":"https:\/\/blog.urbanitae.com\/2023\/04\/16\/13-o-que-e-um-investidor-sofisticado\/"},"modified":"2024-01-22T00:38:00","modified_gmt":"2024-01-21T23:38:00","slug":"13-o-que-e-um-investidor-sofisticado","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/pt-pt\/2023\/04\/16\/13-o-que-e-um-investidor-sofisticado\/","title":{"rendered":"O que \u00e9 um investidor sofisticado?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"22962\" class=\"elementor elementor-22962 elementor-22065\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0d83916 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"0d83916\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4173b17\" data-id=\"4173b17\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2a733f2 elementor-widget elementor-widget-video\" data-id=\"2a733f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/3ZyAyxj_MWI&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4d16cd3e elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"4d16cd3e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-30e09884\" data-id=\"30e09884\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-76436b85 elementor-widget elementor-widget-text-editor\" data-id=\"76436b85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\n<p>Eu n\u00e3o quero dececion\u00e1-lo. N\u00e3o importa quanta experi\u00eancia voc\u00ea tenha em investir, n\u00e3o \u00e9 muito prov\u00e1vel que voc\u00ea seja um investidor experiente. E n\u00e3o se trata do que cada um pensa, mas do que diz a lei. Espere, eu vou te dizer.<\/p>\n\n\n\n<p>Em primeiro lugar: estamos a falar de <strong>investimento em crowdfunding imobili\u00e1rio.<\/strong> Como deve saber \u2013 e, se n\u00e3o, \u00e9 para isso que servimos \u2013 \u00e9 uma atividade supervisionada pela Comiss\u00e3o Nacional do Mercado de Valores Mobili\u00e1rios (CNMV). Mas n\u00e3o \u00e9 s\u00f3 isso, o financiamento coletivo \u00e9 regulado \u00e0 escala europeia. De facto, em 2020 foi aprovado o Regulamento (UE) <a href=\"https:\/\/www.boe.es\/buscar\/doc.php?id=DOUE-L-2020-81532\">2020\/1503<\/a>, que criou <strong>um quadro comum para as plataformas de financiamento colaborativo (PFP) na Uni\u00e3o Europeia (UE).<\/strong><\/p>\n\n\n\n<p>As coisas andam devagar e, embora o regulamento europeu seja de 2020, s\u00f3 come\u00e7aria a aplicar-se em Espanha em novembro de 2021. No nosso pa\u00eds, as PFP eram regidas pela Lei 5\/2015; a adapta\u00e7\u00e3o da lei ao novo quadro europeu veio de m\u00e3os dadas com a Lei 18\/2022, que incluiu um novo regime jur\u00eddico para estas plataformas, em vigor desde novembro do ano passado. A Urbanitae n\u00e3o esperou e, de facto, foi a primeira do seu sector a obter <a href=\"https:\/\/blog.urbanitae.com\/2022\/10\/18\/somos-la-primera-plataforma-en-lograr-autorizacion-europea\/?utm_source=blog&amp;utm_medium=referral&amp;utm_campaign=urbanitae_blog_0423&amp;utm_term=licencia+europea&amp;utm_content=matias_inversor_experimentado\">autoriza\u00e7\u00e3o para operar na UE<\/a>.&nbsp;<\/p>\n\n\n\n<p>Digo-vos tudo isto porque uma das novidades do novo quadro europeu tem a ver com os tipos de investidores. <strong>Anteriormente, a lei distinguia duas categorias: <\/strong> investidor <a href=\"https:\/\/blog.urbanitae.com\/2022\/03\/22\/en-que-radica-la-distincion-entre-inversor-acreditado-y-no-acreditado\/?utm_source=blog&amp;utm_medium=referral&amp;utm_campaign=urbanitae_blog_0423&amp;utm_term=aprende+con+matias&amp;utm_content=matias_inversor_experimentado\"><strong>credenciado e investidor n\u00e3o credenciado<\/strong><\/a><strong>.<\/strong> A raz\u00e3o pela qual existem dois tipos \u00e9 protetora: diferenciar entre investidores profissionais e varejistas \u2013 como voc\u00ea e eu \u2013 para que estes \u00faltimos tenham mais dificuldade em assumir riscos do que se arrepender.<\/p>\n\n\n\n<p>Por exemplo, os investidores n\u00e3o acreditados n\u00e3o podiam investir em projetos de valor superior a 2.000.000 euros. E tinham um limite de investimento em todos os projetos: 3.000 euros por projeto e 10.000 euros num per\u00edodo de 12 meses. Os credenciados n\u00e3o tinham limites. Mas, para ser considerado como tal, al\u00e9m de solicit\u00e1-lo, era necess\u00e1rio preencher uma destas condi\u00e7\u00f5es:&nbsp;<\/p>\n\n\n\n<ul>\n<li>Ter um rendimento anual superior a 50.000 euros ou um capital financeiro superior a 100.000 euros.<\/li>\n\n\n\n<li>Credenciar a contrata\u00e7\u00e3o de um servi\u00e7o de consultoria financeira sobre os instrumentos de financiamento da plataforma por uma empresa de servi\u00e7os de investimento autorizada.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Sem limites, mas com cautela<\/h2>\n\n\n\n<p>Tudo isto muda com a nova norma europeia. A principal novidade \u00e9 que <strong>todos podem investir sem limite de valor.<\/strong> Mesmo assim, ainda existem classes, mas agora elas s\u00e3o chamadas assim: investidor sofisticado e investidor n\u00e3o sofisticado. Experi\u00eancia \u00e9 um grau, mas n\u00e3o vale nenhum&#8230; Os requisitos para ser um investidor experiente s\u00e3o mais dif\u00edceis de cumprir. Para n\u00e3o alongar, falaremos apenas de pessoas f\u00edsicas (n\u00e3o empresas). Devem ser preenchidas pelo menos duas destas tr\u00eas condi\u00e7\u00f5es:<\/p>\n\n\n\n<ul>\n<li>Ter um rendimento bruto igual ou superior a 60.000 euros ou uma carteira de instrumentos financeiros, definida como a inclus\u00e3o de dep\u00f3sitos em numer\u00e1rio e ativos financeiros, superior a 100.000 euros.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Trabalhar ou ter trabalhado no setor financeiro durante, pelo menos, um ano num cargo profissional que exija o conhecimento das opera\u00e7\u00f5es ou servi\u00e7os previstos, ou ter ocupado um cargo executivo durante, pelo menos, doze meses;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Realizaram opera\u00e7\u00f5es de volume significativo nos mercados de capitais com uma frequ\u00eancia m\u00e9dia de dez por trimestre durante os quatro trimestres anteriores.<\/li>\n<\/ul>\n\n\n\n<p>Se n\u00e3o cumprir os requisitos, n\u00e3o h\u00e1 problema, porque, como indiquei, qualquer investidor pode investir sem limites com o novo regulamento. \u00c9 claro que <strong>os investidores inexperientes receber\u00e3o um aviso de risco se investirem 1.000 euros ou 5% do seu patrim\u00f3nio<\/strong> \u2013 o que for maior. Os inexperientes tamb\u00e9m t\u00eam outra ferramenta \u00e0 sua disposi\u00e7\u00e3o: o direito de recuar. Concretamente, ter\u00e3o um \u00abper\u00edodo de reflex\u00e3o\u00bb de quatro dias para revogar o seu investimento sem custos.<\/p>\n\n\n\n<p>Ent\u00e3o agora voc\u00ea sabe. Independentemente das categorias, o conselho da Urbanitae \u00e9 sempre o mesmo: invista apenas no que entende perfeitamente e, se n\u00e3o o vir com clareza, d\u00ea uma vista de olhos na sec\u00e7\u00e3o <a href=\"https:\/\/blog.urbanitae.com\/aprende\/?utm_source=blog&amp;utm_medium=referral&amp;utm_campaign=urbanitae_blog_0423&amp;utm_term=aprende+con+matias&amp;utm_content=matias_inversor_experimentado\">Aprender<\/a> e pergunte tudo o que precisa.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Anteriormente, a lei distinguia duas categorias para o crowdfunding imobili\u00e1rio: investidor credenciado e investidor n\u00e3o credenciado. Agora, a abordagem europeia mudou.<\/p>\n","protected":false},"author":1,"featured_media":37413,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[853],"tags":[1918,1758,959],"class_list":["post-22962","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aprenda-a-investir","tag-aprender","tag-crowdfunding-pt-pt","tag-investimento-alternativo"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>O que \u00e9 um investidor sofisticado? - Urbanitae Blog<\/title>\n<meta name=\"description\" content=\"Se investiu ou vai investir em crowdfunding imobili\u00e1rio, ser\u00e1 \u00fatil saber o que \u00e9 um investidor sofisticado e se \u00e9 voc\u00ea mesmo.\" \/>\n<meta name=\"robots\" content=\"index, follow, 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