Depósito a prazo

Um depósito a prazo é uma modalidade de depósito em que o cliente de uma instituição financeira recebe juros em troca de manter recursos monetários depositados por um prazo pré-determinado.[1][2] Esse instrumento financeiro se assemelha a um empréstimo em que o cliente e a instituição financeira figuram como credor e tomador, respectivamente.

Por conta da remuneração recebida, que pode variar de acordo com o montante investido, prazo e liquidez, o depósito a prazo é considerado um investimento, onde o risco está associado à capacidade da instituição financeira honrar o compromisso, isto é, devolver o dinheiro ao cliente na data acordada recompensando-o com os juros estabelecidos.

Referências

  1. ↑ TheCap, Equipe (25 de abril de 2021). «O que é Depósito a Prazo e como funciona». https://comoinvestir.thecap.com.br/. Consultado em 27 de dezembro de 2021 
  2. ↑ «Depósitos a prazo | Todos Contam». www.todoscontam.pt. Consultado em 27 de dezembro de 2021 

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