{"id":42354,"date":"2024-05-23T10:34:04","date_gmt":"2024-05-23T08:34:04","guid":{"rendered":"https:\/\/blog.urbanitae.com\/?p=42354"},"modified":"2024-05-24T13:44:35","modified_gmt":"2024-05-24T11:44:35","slug":"fundos-de-investimento-ou-etf-qual-e-melhor","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/05\/23\/fundos-de-investimento-ou-etf-qual-e-melhor\/","title":{"rendered":"Fundos de investimento ou ETF: qual \u00e9 melhor?"},"content":{"rendered":"\n<p>A maior parte dos fundos de investimento que conhecemos investem em renda fixa ou em t\u00edtulos de empresas cotadas (tamb\u00e9m chamadas p\u00fablicas). H\u00e1 muitas maneiras de diferenci\u00e1-los. Talvez a primeira distin\u00e7\u00e3o que podemos fazer \u00e9 entre fundos de gest\u00e3o ativa e fundos de gest\u00e3o passiva. Outra diferen\u00e7a importante tem a ver com a estrutura do fundo, ou seja, se estamos a falar de fundos de investimento ou ETF.<\/p>\n\n\n\n<p>Os ETF (exchange-traded funds), tamb\u00e9m chamados de fundos negociados em bolsa, <strong>s\u00e3o fundos de investimento que s\u00e3o negociados num mercado de valores mobili\u00e1rios<\/strong>. Embora possam ser de gest\u00e3o ativa \u2013 isto \u00e9, administrados por um gestor \u2013 a maioria deles segue um \u00edndice de refer\u00eancia, assim como os fundos indexados. A chave \u00e9 que os ETF s\u00e3o negociados como <a href=\"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/02\/02\/acoes-ou-imoveis-onde-e-mais-seguro-investir\/?utm_source=blog_pt&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0524&amp;utm_term=a%C3%A7%C3%B5es&amp;utm_content=pt_fondos_vs_etf\" target=\"_blank\" rel=\"noreferrer noopener\">a\u00e7\u00f5es<\/a>, portanto, seu pre\u00e7o varia durante o dia, em vez de uma vez ao dia.<\/p>\n\n\n\n<p>Embora haja um precedente semelhante no Canad\u00e1, John Bogle considera que <strong>o primeiro fundo negociado em bolsa foi criado em 1992.<\/strong> Era o Standard &amp; Poor\u2019s Depositary Receipts (<a href=\"https:\/\/www.nasdaq.com\/market-activity\/etf\/spy\" target=\"_blank\" rel=\"noreferrer noopener\">SPDR<\/a>) \u2013 tamb\u00e9m conhecido como Spider \u2013 que investia no S&amp;P 500 \u201ca baixo custo com alta efici\u00eancia fiscal\u201d. O SPDR continua sendo o maior fundo do mundo, com mais de 500 mil milh\u00f5es de d\u00f3lares em ativos. O n\u00famero de ETF cresceu de maneira muito not\u00e1vel desde ent\u00e3o, e hoje estima-se que existam mais de 12.000.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Vantagens dos ETF<\/h2>\n\n\n\n<p>As vantagens dos ETF em rela\u00e7\u00e3o aos <a href=\"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/05\/04\/fundos-do-mercado-monetario-vantagens-e-desvantagens\/?utm_source=blog_pt&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0524&amp;utm_term=fundos&amp;utm_content=pt_fondos_vs_etf\" target=\"_blank\" rel=\"noreferrer noopener\">fundos<\/a> convencionais \u2013 incluindo os indexados \u2013 t\u00eam a ver com a flexibilidade da sua negocia\u00e7\u00e3o. Como podem ser comprados e vendidos a qualquer momento durante o hor\u00e1rio de mercado, teoricamente permitem aos investidores reagir rapidamente \u00e0s mudan\u00e7as do mercado. Al\u00e9m disso, geralmente t\u00eam menores taxas de administra\u00e7\u00e3o e permitem diversificar de maneira mais ampla, j\u00e1 que \u00e0s vezes s\u00e3o o \u00fanico meio de aceder a mercados reduzidos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Desvantagens dos ETF<\/h2>\n\n\n\n<p>No entanto, especialistas como Bogle ou o jornalista financeiro Jason Zweig alertam que os ETF podem n\u00e3o ser adequados para o investidor comum. Uma estrat\u00e9gia \u00fatil como as contribui\u00e7\u00f5es constantes de dinheiro \u2013 o <a href=\"https:\/\/blog.urbanitae.com\/pt-pt\/2023\/09\/03\/10-maximize-seus-investimentos-com-a-tecnica-de-custo-medio-em-dolares\/?utm_source=blog_pt&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0524&amp;utm_term=dollar-cost+averaging&amp;utm_content=pt_fondos_vs_etf\" target=\"_blank\" rel=\"noreferrer noopener\">dollar-cost averaging<\/a> \u2013 pode ser contraindicada nos ETF, porque a maior parte dos intermedi\u00e1rios cobrar\u00e1 uma taxa independente sobre cada novo investimento que realizar.<\/p>\n\n\n\n<p>\u201cDiferentemente dos fundos de investimento indexados, os ETF indexados <strong>est\u00e3o sujeitos ao pagamento de comiss\u00f5es ordin\u00e1rias quando s\u00e3o comprados e vendidos,<\/strong> e essas comiss\u00f5es costumam ser aplicadas a todas as compras adicionais ou reinvestimentos de dividendos\u201d, explica Zweig em O Investidor Inteligente de Benjamin Graham. Esses custos podem limitar suas vantagens ou at\u00e9 anul\u00e1-las completamente.<\/p>\n\n\n\n<p>Al\u00e9m disso, existem os fundos ETF ultra ou alavancados, que apresentam uma volatilidade muito maior e s\u00e3o voltados para o curto prazo. Esses ETF utilizam d\u00edvida ou produtos derivados para amplificar os rendimentos da mesma maneira que o <a href=\"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/03\/30\/investimento-a-curto-prazo-o-que-e-e-como-funciona\/?utm_source=blog_pt&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0524&amp;utm_term=investimento+a+curto+prazo&amp;utm_content=pt_fondos_vs_etf\" target=\"_blank\" rel=\"noreferrer noopener\">investimento a curto prazo<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Fundos de investimento ou ETF: qual escolher?<\/h2>\n\n\n\n<p>A escolha entre fundos de investimento e ETF depende de v\u00e1rios fatores. Se tem claro que o seu objetivo \u00e9 o <a href=\"https:\/\/blog.urbanitae.com\/pt-pt\/2022\/12\/28\/6-porque-e-que-o-longo-prazo-e-bom\/?utm_source=blog_pt&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_0524&amp;utm_term=longo+prazo&amp;utm_content=pt_fondos_vs_etf\" target=\"_blank\" rel=\"noreferrer noopener\">longo prazo<\/a> \u2013 como propomos neste blog \u2013 <strong>os fundos convencionais podem ser uma op\u00e7\u00e3o t\u00e3o pr\u00e1tica quanto os ETF.<\/strong> Se prefere ter mais flexibilidade e menores custos \u2013 embora estes possam disparar com as transa\u00e7\u00f5es \u2013 os ETF t\u00eam vantagem. O mesmo vale se o que procuramos \u00e9 aproveitar movimentos de mercado a curto prazo, gra\u00e7as \u00e0 sua capacidade de negocia\u00e7\u00e3o intradi\u00e1ria.<\/p>\n\n\n\n<p>N\u00e3o h\u00e1 uma resposta \u00fanica sobre se os fundos de investimento ou os ETF s\u00e3o melhores. A decis\u00e3o depender\u00e1 dos seus objetivos financeiros, perfil de risco e prefer\u00eancias pessoais. Ambos oferecem formas eficientes de diversificar o seu investimento, e em muitos casos, uma combina\u00e7\u00e3o de ambos pode ser a melhor estrat\u00e9gia. Avalie as suas necessidades e consulte um consultor financeiro para tomar a decis\u00e3o que melhor se adapte \u00e0s suas circunst\u00e2ncias.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Para escolher bem, \u00e9 importante considerar se ambos s\u00e3o indexados ou n\u00e3o, nossos objetivos e, principalmente, os custos e taxas associados.<\/p>\n","protected":false},"author":1,"featured_media":42346,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[853,723,1029,822,1027],"tags":[854,1898,1913,850,1902],"class_list":["post-42354","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aprenda-a-investir","category-aprende-a-invertir","category-investimento-imobiliario-pt-pt","category-learn-to-invest","category-real-estate-investment-en","tag-educacao-financeira","tag-etfs-pt-pt","tag-fundos-de-investimento","tag-investimento-pt-pt","tag-renda-fixa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Fundos de investimento ou ETF: qual \u00e9 melhor? - Urbanitae Blog<\/title>\n<meta name=\"description\" content=\"Se voc\u00ea est\u00e1 em d\u00favida entre investir em fundos de investimento e ETFs, aqui est\u00e3o algumas dicas que podem ajud\u00e1-lo a decidir.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/05\/23\/fundos-de-investimento-ou-etf-qual-e-melhor\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Os ETFs t\u00eam vantagens?\" \/>\n<meta property=\"og:description\" content=\"A primeira coisa que precisamos saber \u00e9 como os ETFs funcionam e o que os diferencia dos fundos convencionais. 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