{"id":7017,"date":"2025-10-27T15:56:37","date_gmt":"2025-10-27T18:56:37","guid":{"rendered":"https:\/\/artica.capital\/?page_id=7017"},"modified":"2025-11-06T10:52:09","modified_gmt":"2025-11-06T13:52:09","slug":"poupar-agora-para-construir-o-seu-futuro","status":"publish","type":"page","link":"https:\/\/artica.capital\/en\/poupar-agora-para-construir-o-seu-futuro\/","title":{"rendered":"Poupar agora para construir o seu futuro"},"content":{"rendered":"<div class=\"wp-block-group has-neve-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-cc8f50d1 wp-block-group-is-layout-constrained\" style=\"margin-top:0;margin-bottom:0\">\n<div class=\"wp-block-group artica-content-spaces-x is-vertical is-content-justification-stretch is-layout-flex wp-container-core-group-is-layout-69c550ab wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group alignfull is-vertical is-content-justification-stretch is-layout-flex wp-container-core-group-is-layout-e0246d37 wp-block-group-is-layout-flex\" style=\"min-height:88px;padding-right:0;padding-left:0\">\n<div class=\"wp-block-group alignwide aam-header is-horizontal is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-c5e22318 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-431a607f wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full aam-nav-logo\"><a href=\"\/en\/asset-management\/\"><img decoding=\"async\" src=\"https:\/\/artica.capital\/wp-content\/themes\/artica\/assets\/images\/logo-artica-asset-management.svg\" alt=\"-\" style=\"object-fit:cover\"><\/a><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-cover is-light has-aspect-ratio\" style=\"margin-top:0rem;margin-bottom:0rem;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;aspect-ratio:auto;min-height:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-pureza-background-color has-background-dim-100 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-container-core-cover-is-layout-62f0cf16 wp-block-cover-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-eb5bab19 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns artica-content-spaces is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-24abd3ea wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left has-rocha-color has-text-color has-link-color wp-elements-48c226b871322f28a47094abfc4c0f52\" style=\"font-size:14px;letter-spacing:4px;text-transform:uppercase\">Previd\u00eancia privada<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left has-artica-oceano-color has-text-color has-link-color wp-elements-547d7fe8e0e7fa7967faf3ca5ed7a807\" style=\"font-size:32px;font-style:normal;font-weight:300\">Poupar agora para <em><strong>construir seu futuro<\/strong><\/em><\/h2>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\" style=\"padding-top:var(--wp--preset--spacing--50);padding-bottom:0\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/artica.capital\/wp-content\/uploads\/2025\/10\/portrait-happy-senior-couple-winter-outdoors-1024x682.jpg\" alt=\"-\" class=\"wp-image-7062 size-full\" srcset=\"https:\/\/artica.capital\/wp-content\/uploads\/2025\/10\/portrait-happy-senior-couple-winter-outdoors-1024x682.jpg 1024w, https:\/\/artica.capital\/wp-content\/uploads\/2025\/10\/portrait-happy-senior-couple-winter-outdoors-300x200.jpg 300w, https:\/\/artica.capital\/wp-content\/uploads\/2025\/10\/portrait-happy-senior-couple-winter-outdoors-768x511.jpg 768w, https:\/\/artica.capital\/wp-content\/uploads\/2025\/10\/portrait-happy-senior-couple-winter-outdoors-1536x1022.jpg 1536w, https:\/\/artica.capital\/wp-content\/uploads\/2025\/10\/portrait-happy-senior-couple-winter-outdoors-2048x1363.jpg 2048w, https:\/\/artica.capital\/wp-content\/uploads\/2025\/10\/portrait-happy-senior-couple-winter-outdoors-18x12.jpg 18w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p class=\"has-noite-color has-text-color has-link-color wp-elements-bc61ac781be11e2ec72b9a1df7491c68\" style=\"font-size:16px;font-style:normal;font-weight:300;line-height:1.7\">A previd\u00eancia privada \u00e9 um dos melhores tipos de investimento no Brasil.<\/p>\n\n\n\n<p class=\"has-noite-color has-text-color has-link-color wp-elements-d71c802155d5ee0c5b942eb8e419eaa2\" style=\"font-size:16px;font-style:normal;font-weight:300;line-height:1.7\"> A depender da modalidade de escolha, ela pode ser abatida do imposto de renda, ter a isen\u00e7\u00e3o do ITCMD (imposto cobrado na heran\u00e7a), al\u00e9m de ser frequentemente utilizada como plano alternativo de aposentaria, j\u00e1 que o imposto no longo prazo \u00e9 menor e existe a possibilidade de saques mensais fracionados.<\/p>\n\n\n\n<p>Para saber mais, se inscreva no mini curso sobre previd\u00eancia:<\/p>\n\n\n\n<p><\/p>\n\n\n<script type=\"text\/javascript\" src=\"https:\/\/info.artica.capital\/form\/generate.js?id=38\"><\/script>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cover is-light has-aspect-ratio\" style=\"margin-top:0rem;margin-bottom:0rem;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;aspect-ratio:auto;min-height:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-neve-background-color has-background-dim-100 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-container-core-cover-is-layout-62f0cf16 wp-block-cover-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-eb5bab19 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns artica-content-spaces-x is-layout-flex wp-container-core-columns-is-layout-04592395 wp-block-columns-is-layout-flex\" style=\"padding-top:var(--wp--preset--spacing--80);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-24abd3ea wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-left has-artica-oceano-color has-text-color has-link-color wp-elements-3d1eb8727af8c1dd7f94f81a49ec0f48\" style=\"font-size:32px;font-style:normal;font-weight:300\">Quanto antes voc\u00ea come\u00e7ar a investir, <strong><em>mais r\u00e1pido ter\u00e1 o efeito dos juros compostos<\/em><\/strong><\/h2>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns artica-content-spaces-x is-layout-flex wp-container-core-columns-is-layout-cd6a0e38 wp-block-columns-is-layout-flex\" style=\"padding-bottom:0\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--40);flex-basis:33.33%\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40)\">\n<p class=\"has-noite-color has-text-color has-link-color wp-elements-98f2addff8757254c7ad2f10a6d0f37f\" style=\"font-size:16px;font-style:normal;font-weight:300;line-height:1.7\">Simule a seguir, o seu investimento, considerando o fundo de previd\u00eancia do \u00c1rtica*:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-noite-color has-text-color has-link-color has-small-font-size wp-elements-c97e9bc8f74c1ef0f4f0a77e37c41970\" style=\"font-style:normal;font-weight:300;line-height:1.7\">*Valor estimado com base na rentabilidade do fundo de previd\u00eancia do \u00c1rtica. O retorno passado do fundo, n\u00e3o \u00e9 garantia de rentabilidade futura.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<style>\n.container {\n  max-width: 1200px;\n  margin: 0 auto;\n}\n\n.header-section {\n  text-align: center;\n  margin-bottom: 3rem;\n}\n\n.header-section h1 {\n  font-size: 2.5rem;\n  color: #1f2937;\n  margin-bottom: 1rem;\n  font-weight: 700;\n}\n\n.header-section p {\n  font-size: 1.125rem;\n  color: #4b5563;\n  max-width: 800px;\n  margin: 0 auto 1rem auto;\n}\n\n\/* Formul\u00e1rio do Simulador *\/\n.simulator-card {\n  background-color: #ffffff;\n  padding: 2rem;\n  border-radius: 0.75rem;\n  box-shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1),\n    0 2px 4px -1px rgba(0, 0, 0, 0.06);\n  margin-top: 0;\n  margin-bottom: 2rem;\n}\n\n.simulator-card h2 {\n  font-size: 1.5rem;\n  color: #1f2937;\n  font-weight: 600;\n  margin: 0 0 12px;\n}\n\n.form-grid {\n  display: grid;\n  grid-template-columns: 1fr;\n  gap: 1.5rem;\n  margin-bottom: 1.5rem;\n}\n\n@media (min-width: 1324px) {\n  .form-grid {\n    grid-template-columns: repeat(3, 1fr);\n  }\n}\n\n.form-group {\n  display: flex;\n  flex-direction: column;\n}\n\n.form-group label {\n  font-size: .72rem;\n  color: #374151;\n  margin-bottom: 0.5rem;\n  font-weight: 500;\n}\n\n.form-group input {\n  padding: 0.75rem;\n  border: 1px solid #d1d5db;\n  border-radius: 0.5rem;\n  font-size: 1rem;\n  transition: border-color 0.2s ease;\n}\n\n.form-group input:focus {\n  outline: none;\n  border-color: #4a5568;\n}\n\n.btn-simular {\n  width: 100%;\n  padding: 1rem;\n  background-color: #1f2937;\n  color: #ffffff;\n  border: none;\n  font-size: 1rem;\n  cursor: pointer;\n  transition: background-color 0.2s ease;\n}\n\n.btn-simular:hover {\n  background-color: #225ec3;\n}\n\n.btn-simular:active {\n  transform: scale(0.98);\n}\n\n.btn-simular:disabled {\n  background-color: #9ca3af;\n  cursor: not-allowed;\n  opacity: 0.6;\n}\n\n\/* Mensagem de erro *\/\n.error-message {\n  font-size: 0.8125rem;\n  color: #dc2626;\n  margin-top: 0.5rem;\n  display: none;\n}\n\n.error-message.show {\n  display: block;\n}\n\n.form-group input.error {\n  border-color: #dc2626;\n}\n\n\/* Mensagem de resumo da simula\u00e7\u00e3o *\/\n.simulation-summary {\n  font-size: 0.875rem;\n  color: #6b7280;\n  text-align: center;\n  padding: 1rem;\n  background-color: #f9fafb;\n  border-radius: 0.5rem;\n  margin-top: 1.5rem;\n  font-style: italic;\n}\n\n.simulation-summary strong {\n  color: #1f2937;\n  font-weight: 600;\n}\n\n\/* Container do Gr\u00e1fico *\/\n.pyc-container {\n  background-color: #ffffff;\n  padding: 1.5rem;\n  border-radius: 0.75rem;\n  box-shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1),\n    0 2px 4px -1px rgba(0, 0, 0, 0.06);\n  margin-bottom: 2rem;\n  display: none;\n}\n\n.pyc-container.show {\n  display: block;\n}\n\n.pyc-header {\n  display: flex;\n  flex-direction: column;\n  align-items: flex-start;\n  margin-bottom: 1.5rem;\n  gap: 1rem;\n}\n\n@media (min-width: 768px) {\n  .pyc-header {\n    flex-direction: row;\n    justify-content: space-between;\n    align-items: center;\n  }\n}\n\n.pyc-legend-container {\n  display: flex;\n  flex-wrap: wrap;\n  align-items: center;\n  gap: 1.5rem;\n}\n\n.pyc-legend-item {\n  display: flex;\n  align-items: center;\n  cursor: pointer; \/* Adicionado para indicar clicabilidade *\/\n  transition: opacity 0.2s ease; \/* Adicionado para suavidade *\/\n}\n\n\/* Novo estilo para quando o item da legenda estiver oculto *\/\n.pyc-legend-item.hidden {\n  opacity: 0.4;\n  text-decoration: line-through;\n}\n\n.pyc-legend-color-box {\n  height: 0.75rem;\n  width: 0.75rem;\n  border-radius: 9999px;\n  margin-right: 0.5rem;\n}\n\n.pyc-legend-text {\n  font-size: 0.875rem;\n  color: #4b5563;\n  font-weight: 500;\n}\n\n.pyc-chart-container {\n  position: relative;\n  height: 400px;\n  min-height: 300px;\n}\n\n\/* Resultados *\/\n.results-grid {\n  display: grid;\n  grid-template-columns: 1fr;\n  gap: 1rem;\n  margin-top: 2rem;\n}\n\n@media (min-width: 768px) {\n  .results-grid {\n    grid-template-columns: repeat(3, 1fr);\n  }\n}\n\n.result-card {\n  background-color: #f9fafb;\n  padding: 1.5rem;\n  border-radius: 0.5rem;\n  text-align: center;\n}\n\n.result-card h3 {\n  font-size: 0.875rem;\n  color: #6b7280;\n  margin-bottom: 0.5rem;\n  font-weight: 500;\n  text-transform: uppercase;\n}\n\n.result-card .value {\n  font-size: 1.35rem;\n  color: #1f2937;\n  font-weight: 700;\n  margin-bottom: 0.25rem;\n}\n\n.result-card .subtitle {\n  font-size: 0.75rem;\n  color: #9ca3af;\n}\n\n.result-card.highlight {\n  background-color: #1f2937;\n  color: #ffffff;\n}\n\n.result-card.highlight h3 {\n  color: #d1d5db;\n}\n\n.result-card.highlight .value {\n  color: #ffffff;\n}\n\n.result-card.highlight .subtitle {\n  color: #d1d5db;\n}\n\n\/* Nota de rodap\u00e9 *\/\n.footnote {\n  font-size: 0.75rem;\n  color: #6b7280;\n  padding: 1rem;\n  background-color: #f3f4f6;\n  border-radius: 0.5rem;\n  margin-top: 1rem;\n  line-height: 1.5;\n}\n\n@media (min-width: 768px) {\n  .footnote {\n    font-size: 0.8125rem;\n  }\n}\n\n@media (max-width: 768px) {\n  .simulator-card {\n    padding: 0;\n    box-shadow: unset;\n  }\n  .pyc-container {\n    padding: 0;\n    box-shadow: unset;\n  }\n}\n<\/style>\n<!-- Se\u00e7\u00e3o do Simulador -->\n<div class=\"simulator-card\">\n  <h2>Simule seu investimento<\/h2>\n  <div>\n    <div class=\"form-grid\">\n      <div class=\"form-group\">\n        <label for=\"valorInicial\">Valor inicial a ser investido (R$) *<\/label>\n        <input type=\"text\" id=\"valorInicial\" placeholder=\"M\u00ednimo: 1.000,00\" inputmode=\"numeric\">\n        <span class=\"error-message\" id=\"errorValorInicial\">O investimento m\u00ednimo \u00e9 de R$ 1.000,00<\/span>\n      <\/div>\n      <div class=\"form-group\">\n        <label for=\"aportesMensais\">Aportes mensais (R$)<\/label>\n        <input type=\"text\" id=\"aportesMensais\" placeholder=\"M\u00ednimo: 200,00\" inputmode=\"numeric\">\n        <span class=\"error-message\" id=\"errorAportesMensais\">O aporte m\u00ednimo \u00e9 de R$ 200,00 ou R$ 0,00<\/span>\n      <\/div>\n      <div class=\"form-group\">\n        <label for=\"tempoInvestimento\">Tempo do investimento (anos) *<\/label>\n        <input type=\"number\" id=\"tempoInvestimento\" value=\"10\" min=\"1\" max=\"50\">\n        <span class=\"error-message\" id=\"errorTempoInvestimento\">O tempo m\u00ednimo \u00e9 de 1 ano<\/span>\n      <\/div>\n    <\/div>\n    <button type=\"button\" class=\"btn-simular\" id=\"btnSimular\" onclick=\"executarSimulacao()\">Simular<\/button>\n  <\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns artica-content-spaces-x is-layout-flex wp-container-core-columns-is-layout-a4fe827e wp-block-columns-is-layout-flex\" style=\"padding-bottom:var(--wp--preset--spacing--70)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<!-- Container do Gr\u00e1fico -->\n<div id=\"chartContainer\" class=\"pyc-container\">\n  <div class=\"pyc-header\">\n    <div class=\"pyc-legend-container\">\n      <!-- Adicionado data-dataset-index para identificar cada linha -->\n      <div class=\"pyc-legend-item\" data-dataset-index=\"0\">\n        <div class=\"pyc-legend-color-box\" style=\"background-color: #1f2937;\"><\/div>\n        <span class=\"pyc-legend-text\">\u00c1rtica Previd\u00eancia<\/span>\n      <\/div>\n      <div class=\"pyc-legend-item\" data-dataset-index=\"1\">\n        <div class=\"pyc-legend-color-box\" style=\"background-color: #3b82f6;\"><\/div>\n        <span class=\"pyc-legend-text\">Ibovespa<\/span>\n      <\/div>\n      <div class=\"pyc-legend-item\" data-dataset-index=\"2\">\n        <div class=\"pyc-legend-color-box\" style=\"background-color: #10b981;\"><\/div>\n        <span class=\"pyc-legend-text\">CDI<\/span>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"pyc-chart-container\">\n    <canvas id=\"investmentChart\"><\/canvas>\n  <\/div>\n\n  <!-- Resultados -->\n  <div class=\"results-grid\">\n    <div class=\"result-card highlight\">\n      <h3>\u00c1rtica Previd\u00eancia<\/h3>\n      <div class=\"value\" id=\"resultArtica\">R$ 0,00<\/div>\n      <div class=\"subtitle\">Valor Final<\/div>\n    <\/div>\n    <div class=\"result-card\">\n      <h3>Ibovespa<\/h3>\n      <div class=\"value\" id=\"resultIbov\">R$ 0,00<\/div>\n      <div class=\"subtitle\">Valor Final<\/div>\n    <\/div>\n    <div class=\"result-card\">\n      <h3>CDI<\/h3>\n      <div class=\"value\" id=\"resultCDI\">R$ 0,00<\/div>\n      <div class=\"subtitle\">Valor Final<\/div>\n    <\/div>\n  <\/div>\n\n  <!-- Resumo da simula\u00e7\u00e3o -->\n  <div class=\"simulation-summary\" id=\"simulationSummary\"><\/div>\n\n  <!-- Nota de rodap\u00e9 -->\n  <div class=\"footnote\">\n    <strong>Nota:<\/strong> Os valores de rentabilidade apresentados (\u00c1rtica: 28,61% a.a., Ibovespa: 9,56% a.a., CDI: 9,68% a.a.) representam as m\u00e9dias hist\u00f3ricas desde a cria\u00e7\u00e3o do fundo. Esta simula\u00e7\u00e3o tem car\u00e1ter meramente ilustrativo e n\u00e3o representa garantia de rentabilidade futura. Rentabilidade passada n\u00e3o \u00e9 garantia de rentabilidade futura. As rentabilidades divulgadas n\u00e3o s\u00e3o l\u00edquidas de impostos e taxas.\n  <\/div>\n<\/div>\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js@4.4.2\/dist\/chart.umd.min.js\"><\/script>\n<script>\n        \/\/ Taxas anuais\n        const TAXAS_ANUAIS = {\n            artica: 0.2861,  \/\/ 28,61%\n            ibov: 0.0956,    \/\/ 9,56%\n            cdi: 0.0968      \/\/ 9,68%\n        };\n\n        \/\/ Vari\u00e1vel global para o gr\u00e1fico\n        let chart = null;\n        \/\/ Vari\u00e1vel para o timer do debounce\n        let debounceTimer = null;\n\n        \/\/ Fun\u00e7\u00f5es de m\u00e1scara de moeda\n        function formatarMoeda(valor) {\n            \/\/ Remove tudo que n\u00e3o \u00e9 d\u00edgito\n            valor = valor.replace(\/\\D\/g, '');\n\n            \/\/ Se n\u00e3o houver valor, retorna vazio\n            if (valor === '' || valor === '0') {\n                return '';\n            }\n\n            \/\/ Converte para n\u00famero e divide por 100 para ter as casas decimais\n            valor = (parseInt(valor) \/ 100).toFixed(2);\n\n            \/\/ Formata com separadores\n            valor = valor.replace('.', ',');\n            valor = valor.replace(\/(\\d)(?=(\\d{3})+(?!\\d))\/g, '$1.');\n\n            return valor;\n        }\n\n        function aplicarMascaraMoeda(input) {\n            let valor = input.value;\n            input.value = formatarMoeda(valor);\n        }\n\n        function converterMoedaParaNumero(valorFormatado) {\n            if (!valorFormatado || valorFormatado === '') return 0;\n            \/\/ Remove pontos (separador de milhares) e substitui v\u00edrgula por ponto\n            return parseFloat(valorFormatado.replace(\/\\.\/g, '').replace(',', '.')) || 0;\n        }\n\n        \/\/ Aplicar m\u00e1scara nos campos ao carregar a p\u00e1gina\n        window.addEventListener('DOMContentLoaded', function() {\n            const valorInicial = document.getElementById('valorInicial');\n            const aportesMensais = document.getElementById('aportesMensais');\n            const tempoInvestimento = document.getElementById('tempoInvestimento');\n            const btnSimular = document.getElementById('btnSimular');\n\n            \/\/ Formatar valores iniciais\n            valorInicial.value = '20.000,00';\n            aportesMensais.value = '1.000,00';\n\n            \/\/ Fun\u00e7\u00e3o para validar campos em tempo real\n            function validarCampos() {\n                let temErro = false;\n\n                \/\/ Validar valor inicial\n                const valorInicialNum = converterMoedaParaNumero(valorInicial.value);\n                const errorValorInicial = document.getElementById('errorValorInicial');\n\n                if (valorInicialNum > 0 && valorInicialNum < 1000) {\n                    errorValorInicial.classList.add('show');\n                    valorInicial.classList.add('error');\n                    temErro = true;\n                } else {\n                    errorValorInicial.classList.remove('show');\n                    valorInicial.classList.remove('error');\n                }\n\n                \/\/ Validar aporte mensal\n                const aporteMensalNum = converterMoedaParaNumero(aportesMensais.value);\n                const errorAportesMensais = document.getElementById('errorAportesMensais');\n\n                if (aporteMensalNum > 0 && aporteMensalNum < 200) {\n                    errorAportesMensais.classList.add('show');\n                    aportesMensais.classList.add('error');\n                    temErro = true;\n                } else {\n                    errorAportesMensais.classList.remove('show');\n                    aportesMensais.classList.remove('error');\n                }\n\n                \/\/ Validar tempo de investimento\n                const tempoInvestimentoNum = parseInt(tempoInvestimento.value);\n                const errorTempoInvestimento = document.getElementById('errorTempoInvestimento');\n\n                if (tempoInvestimentoNum < 1) {\n                    errorTempoInvestimento.classList.add('show');\n                    tempoInvestimento.classList.add('error');\n                    temErro = true;\n                } else {\n                    errorTempoInvestimento.classList.remove('show');\n                    tempoInvestimento.classList.remove('error');\n                }\n\n                \/\/ Habilitar\/desabilitar bot\u00e3o\n                btnSimular.disabled = temErro;\n\n                return !temErro;\n            }\n\n            \/\/ Fun\u00e7\u00e3o para sincronizar com campos Mautic (se existirem)\n            function sincronizarMautic() {\n                \/\/ Valor inicial\n                const mauticValorInicial = document.querySelector('[name=\"mauticform[mautic_valor_inicial]\"]');\n                if (mauticValorInicial) {\n                    const valorNumerico = converterMoedaParaNumero(valorInicial.value);\n                    mauticValorInicial.value = valorNumerico;\n                }\n\n                \/\/ Aporte mensal\n                const mauticAporteMensal = document.querySelector('[name=\"mauticform[mautic_aporte_mensal]\"]');\n                if (mauticAporteMensal) {\n                    const aporteNumerico = converterMoedaParaNumero(aportesMensais.value);\n                    mauticAporteMensal.value = aporteNumerico;\n                }\n\n                \/\/ Tempo de investimento\n                const mauticTempoInvestimento = document.querySelector('[name=\"mauticform[mautic_tempo_investimento]\"]');\n                if (mauticTempoInvestimento) {\n                    mauticTempoInvestimento.value = tempoInvestimento.value;\n                }\n            }\n\n            \/\/ Adicionar eventos de input\n            valorInicial.addEventListener('input', function() {\n                aplicarMascaraMoeda(this);\n                validarCampos();\n            });\n\n            aportesMensais.addEventListener('input', function() {\n                aplicarMascaraMoeda(this);\n                validarCampos();\n            });\n\n            tempoInvestimento.addEventListener('input', function() {\n                validarCampos();\n            });\n\n            \/\/ Sincronizar com Mautic quando terminar de digitar (ap\u00f3s blur ou change)\n            valorInicial.addEventListener('blur', function() {\n                validarCampos();\n                sincronizarMautic();\n            });\n\n            valorInicial.addEventListener('change', function() {\n                validarCampos();\n                sincronizarMautic();\n            });\n\n            aportesMensais.addEventListener('blur', function() {\n                validarCampos();\n                sincronizarMautic();\n            });\n\n            aportesMensais.addEventListener('change', function() {\n                validarCampos();\n                sincronizarMautic();\n            });\n\n            tempoInvestimento.addEventListener('blur', function() {\n                validarCampos();\n                sincronizarMautic();\n            });\n\n            tempoInvestimento.addEventListener('change', function() {\n                validarCampos();\n                sincronizarMautic();\n            });\n\n            \/\/ Prevenir entrada de caracteres n\u00e3o num\u00e9ricos\n            [valorInicial, aportesMensais].forEach(input => {\n                input.addEventListener('keypress', function(e) {\n                    \/\/ Permitir apenas n\u00fameros\n                    if (e.which < 48 || e.which > 57) {\n                        e.preventDefault();\n                    }\n                });\n\n                \/\/ Adicionar evento de blur para garantir que sempre tenha 2 casas decimais\n                input.addEventListener('blur', function() {\n                    if (this.value === '') {\n                        this.value = '0,00';\n                    }\n                });\n\n                \/\/ Ao focar, se o valor for 0,00, limpa\n                input.addEventListener('focus', function() {\n                    if (this.value === '0,00') {\n                        this.value = '';\n                    }\n                });\n            });\n\n            \/\/ Validar e sincronizar valores iniciais\n            validarCampos();\n            sincronizarMautic();\n\n            \/\/ --- NOVO LISTENER DE RESIZE ---\n            window.addEventListener('resize', () => {\n                \/\/ Limpa o timer anterior para evitar execu\u00e7\u00f5es m\u00faltiplas\n                clearTimeout(debounceTimer);\n\n                \/\/ Se n\u00e3o houver gr\u00e1fico, n\u00e3o faz nada\n                if (!chart) {\n                    return;\n                }\n\n                \/\/ Inicia um novo timer\n                debounceTimer = setTimeout(() => {\n\n                    \/\/ Pega as NOVAS configura\u00e7\u00f5es com base no novo tamanho da tela\n                    const newConfigs = getResponsiveTickConfigs();\n\n                    \/\/ Atualiza as op\u00e7\u00f5es do gr\u00e1fico\n                    chart.options.scales.x.ticks = newConfigs.xTicksConfig;\n                    chart.options.scales.y.ticks = newConfigs.yTicksConfig;\n\n                    \/\/ Redesenha o gr\u00e1fico\n                    chart.update();\n                }, 250); \/\/ 250ms de \"debounce\"\n            });\n            \/\/ --- FIM DO NOVO LISTENER ---\n        });\n\n        \/\/ Converter taxa anual para mensal\n        function taxaAnualParaMensal(taxaAnual) {\n            return Math.pow(1 + taxaAnual, 1\/12) - 1;\n        }\n\n        \/\/ Calcular evolu\u00e7\u00e3o do investimento m\u00eas a m\u00eas\n        function calcularInvestimento(valorInicial, aporteMensal, meses, taxaMensal) {\n            const evolucao = [];\n            let saldo = valorInicial;\n\n            \/\/ M\u00eas 0\n            evolucao.push(saldo);\n\n            \/\/ Meses subsequentes\n            for (let mes = 1; mes <= meses; mes++) {\n                saldo = (saldo * (1 + taxaMensal)) + aporteMensal;\n                evolucao.push(saldo);\n            }\n\n            return evolucao;\n        }\n\n        \/\/ Formatar valor em reais\n        function formatarReais(valor) {\n            return new Intl.NumberFormat('pt-BR', {\n                style: 'currency',\n                currency: 'BRL',\n                minimumFractionDigits: 2,\n                maximumFractionDigits: 2\n            }).format(valor);\n        }\n\n        \/\/ Fun\u00e7\u00e3o principal de simula\u00e7\u00e3o\n        function executarSimulacao() {\n            try {\n\n                \/\/ Obter valores do formul\u00e1rio\n                const valorInicial = converterMoedaParaNumero(document.getElementById('valorInicial').value);\n                const aporteMensal = converterMoedaParaNumero(document.getElementById('aportesMensais').value);\n                const anos = parseInt(document.getElementById('tempoInvestimento').value);\n                const meses = anos * 12;\n\n                \/\/ Converter taxas para mensais\n                const taxaMensalArtica = taxaAnualParaMensal(TAXAS_ANUAIS.artica);\n                const taxaMensalIbov = taxaAnualParaMensal(TAXAS_ANUAIS.ibov);\n                const taxaMensalCDI = taxaAnualParaMensal(TAXAS_ANUAIS.cdi);\n\n\n                \/\/ Calcular evolu\u00e7\u00e3o para cada investimento\n                const evolucaoArtica = calcularInvestimento(valorInicial, aporteMensal, meses, taxaMensalArtica);\n                const evolucaoIbov = calcularInvestimento(valorInicial, aporteMensal, meses, taxaMensalIbov);\n                const evolucaoCDI = calcularInvestimento(valorInicial, aporteMensal, meses, taxaMensalCDI);\n\n                \/\/ Gerar labels (meses e anos)\n                const labels = [];\n                for (let i = 0; i <= meses; i++) {\n                    if (i === 0) {\n                        labels.push('In\u00edcio'); \/\/ M\u00eas 0\n                    } else {\n                        \/\/ i = 1 \u00e9 o M\u00eas 1\n                        \/\/ i = 12 \u00e9 o M\u00eas 12\n                        \/\/ i = 13 \u00e9 o M\u00eas 13\n                        const ano = Math.ceil(i \/ 12);\n                        labels.push(`M\u00eas ${i} (Ano ${ano})`);\n                    }\n                }\n\n                \/\/ Atualizar resultados\n                document.getElementById('resultArtica').textContent = formatarReais(evolucaoArtica[evolucaoArtica.length - 1]);\n                document.getElementById('resultIbov').textContent = formatarReais(evolucaoIbov[evolucaoIbov.length - 1]);\n                document.getElementById('resultCDI').textContent = formatarReais(evolucaoCDI[evolucaoCDI.length - 1]);\n\n                \/\/ Atualizar resumo da simula\u00e7\u00e3o\n                const simulationSummary = document.getElementById('simulationSummary');\n                simulationSummary.innerHTML = `Simula\u00e7\u00e3o feita para valor inicial de <strong>${formatarReais(valorInicial)}<\/strong>, com aportes mensais de <strong>${formatarReais(aporteMensal)}<\/strong>, durante <strong>${anos} ${anos === 1 ? 'ano' : 'anos'}<\/strong>.`;\n\n                \/\/ Mostrar container do gr\u00e1fico\n                const chartContainer = document.getElementById('chartContainer');\n                chartContainer.classList.add('show');\n\n                \/\/ Criar ou atualizar gr\u00e1fico\n                criarGrafico(labels, evolucaoArtica, evolucaoIbov, evolucaoCDI);\n\n                \/\/ Scroll suave at\u00e9 o gr\u00e1fico\n                setTimeout(() => {\n                    chartContainer.scrollIntoView({\n                        behavior: 'smooth',\n                        block: 'nearest'\n                    });\n                }, 100);\n\n            } catch (error) {\n                alert('Ocorreu um erro ao executar a simula\u00e7\u00e3o. Por favor, tente novamente.');\n            }\n        }\n\n        \/**\n         * NOVA FUN\u00c7\u00c3O\n         * Retorna as configura\u00e7\u00f5es de 'ticks' para os eixos X e Y\n         * com base no tamanho da tela (responsivo).\n         *\/\n        function getResponsiveTickConfigs() {\n            const isMobile = window.innerWidth < 768;\n\n          let xTicksConfig = {\n\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 autoSkip: false,\n\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 maxRotation: 0,\n\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 minRotation: 0,\n\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 callback: function(value, index, ticks) {\n\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 const totalTicks = ticks.length;\n\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 const lastIndex = totalTicks - 1;\n\n\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 if (index === 0) {\n  \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0     return 'In\u00edcio';\n  \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 }\n\n\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 const totalYears = Math.ceil(lastIndex \/ 12);\n\n\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 let yearInterval = 1;\n\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 if (totalYears > 12) {\n  \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0     yearInterval = Math.ceil(totalYears \/ 4);\n  \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 }\n\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\n\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 const tickInterval = yearInterval * 12;\n\n\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 if (index === lastIndex) {\n\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0     const year = Math.ceil(index \/ 12);\n\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0     return `Ano ${year}`;\n\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 }\n\n\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 if (index % tickInterval === 0) {\n                      const year = index \/ 12;\n\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 return `Ano ${year}`;\n\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0}\n\n\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 return '';\n\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 }\n\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 };\n\n            \/\/ Configura\u00e7\u00e3o base dos ticks do eixo Y\n            let yTicksConfig = {\n                callback: function(value) {\n                    return formatarReais(value);\n                }\n            };\n\n            if (isMobile) {\n                \/\/ Em mobile, rotaciona os labels para caber\n                xTicksConfig.maxRotation = 50;\n                xTicksConfig.minRotation = 50;\n                yTicksConfig.maxRotation = 50;\n                yTicksConfig.minRotation = 50;\n            }\n            return { xTicksConfig, yTicksConfig };\n        }\n\n\n        function criarGrafico(labels, dataArtica, dataIbov, dataCDI) {\n            try {\n\n                const ctx = document.getElementById('investmentChart').getContext('2d');\n\n                if (chart) {\n                    chart.destroy();\n                }\n\n                const initialConfigs = getResponsiveTickConfigs();\n                chart = new Chart(ctx, {\n                    type: 'line',\n                    data: {\n                        labels: labels,\n                        datasets: [\n                            {\n                                label: '\u00c1rtica Previd\u00eancia',\n                                data: dataArtica,\n                                borderColor: '#1f2937',\n                                backgroundColor: 'rgba(31, 41, 55, 0.1)',\n                                borderWidth: 3,\n                                borderDash: [5, 5], \/\/ Mant\u00e9m tracejado\n                                tension: 0.1,\n                                pointRadius: 0,\n                                pointHoverRadius: 6,\n                                pointHoverBackgroundColor: '#1f2937',\n                                pointHoverBorderColor: '#ffffff',\n                                pointHoverBorderWidth: 2\n                            },\n                            {\n                                label: 'Ibovespa',\n                                data: dataIbov,\n                                borderColor: '#3b82f6',\n                                backgroundColor: 'rgba(59, 130, 246, 0.1)',\n                                borderWidth: 3, \/\/ Alterado para 3\n                                borderDash: [5, 5], \/\/ Adicionado para pontilhado\n                                tension: 0.1,\n                                pointRadius: 0,\n                                pointHoverRadius: 6,\n                                pointHoverBackgroundColor: '#3b82f6',\n                                pointHoverBorderColor: '#ffffff',\n                                pointHoverBorderWidth: 2\n                            },\n                            {\n                                label: 'CDI',\n                                data: dataCDI,\n                                borderColor: '#10b981',\n                                backgroundColor: 'rgba(16, 185, 129, 0.1)',\n                                borderWidth: 3, \/\/ Alterado para 3\n                                borderDash: [5, 5], \/\/ Adicionado para pontilhado\n                                tension: 0.1,\n                                pointRadius: 0,\n                                pointHoverRadius: 6,\n                                pointHoverBackgroundColor: '#10b981',\n                                pointHoverBorderColor: '#ffffff',\n                                pointHoverBorderWidth: 2\n                            }\n                        ]\n                    },\n                    options: {\n                        responsive: true,\n                        maintainAspectRatio: false,\n                        interaction: {\n                            mode: 'index',\n                            intersect: false\n                        },\n                        plugins: {\n                            legend: {\n                                display: false \/\/ A legenda padr\u00e3o do chart.js est\u00e1 oculta\n                            },\n                            tooltip: {\n                                backgroundColor: 'rgba(0, 0, 0, 0.8)',\n                                padding: 12,\n                                titleColor: '#ffffff',\n                                bodyColor: '#ffffff',\n                                titleFont: {\n                                    size: 13,\n                                    weight: 'bold'\n                                },\n                                bodyFont: {\n                                    size: 13\n                                },\n                                displayColors: true,\n                                callbacks: {\n                                    label: function(context) {\n                                        let label = context.dataset.label || '';\n                                        if (label) {\n                                            label += ': ';\n                                        }\n                                        label += formatarReais(context.parsed.y);\n                                        return label;\n                                    }\n                                }\n                            }\n                        },\n                        scales: {\n                            x: {\n                                display: true,\n                                grid: {\n                                    display: false\n                                },\n                                ticks: initialConfigs.xTicksConfig \/\/ Aplicada a config inicial\n                            },\n                            y: {\n                                display: true,\n                                grid: {\n                                    color: 'rgba(0, 0, 0, 0.05)'\n                                },\n                                ticks: initialConfigs.yTicksConfig \/\/ Aplicada a config inicial\n                            }\n                        }\n                    }\n                });\n\n                \/\/ Chamar a nova fun\u00e7\u00e3o para configurar o clique na legenda\n                setupLegendToggle();\n\n            } catch (error) {\n              \/\/ Do nothing\n            }\n        }\n\n        \/**\n         * Configura o clique nos itens da legenda HTML para mostrar\/ocultar\n         * as linhas correspondentes no gr\u00e1fico (chart.js).\n         *\/\n        function setupLegendToggle() {\n            const legendItems = document.querySelectorAll('.pyc-legend-item');\n\n            legendItems.forEach(item => {\n                \/\/ Remover ouvintes antigos para evitar duplicatas, se houver\n                \/\/ Usamos uma propriedade para garantir que o ouvinte seja o mesmo\n                if (item.clickHandler) {\n                    item.removeEventListener('click', item.clickHandler);\n                }\n\n                \/\/ Definimos o handler para poder remov\u00ea-lo depois\n                item.clickHandler = () => {\n                    if (!chart) return; \/\/ Prote\u00e7\u00e3o caso o gr\u00e1fico n\u00e3o exista\n\n                    \/\/ Pega o \u00edndice do dataset (0, 1 ou 2) do atributo data-\n                    const datasetIndex = parseInt(item.getAttribute('data-dataset-index'));\n\n                    if (isNaN(datasetIndex)) return; \/\/ Prote\u00e7\u00e3o\n\n                    \/\/ Verifica o estado atual de visibilidade\n                    const isVisible = chart.isDatasetVisible(datasetIndex);\n\n                    \/\/ Faz o toggle (inverte)\n                    if (isVisible) {\n                        chart.hide(datasetIndex);\n                        item.classList.add('hidden');\n                    } else {\n                        chart.show(datasetIndex);\n                        item.classList.remove('hidden');\n                    }\n\n                    \/\/ chart.update() \u00e9 chamado automaticamente por show\/hide.\n                };\n\n                item.addEventListener('click', item.clickHandler);\n            });\n        }\n\n<\/script>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cover is-light has-aspect-ratio\" style=\"margin-top:0rem;margin-bottom:0rem;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;aspect-ratio:auto;min-height:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-pureza-background-color has-background-dim-100 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-container-core-cover-is-layout-62f0cf16 wp-block-cover-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-eb5bab19 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns artica-content-spaces is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-noite-color has-text-color has-link-color wp-elements-2045c547b1b489b421f5707d301d6691\" id=\"pgblxvgbl\" style=\"font-size:16px;font-style:normal;font-weight:300;line-height:1.7\">\u00c9 importante saber escolher a modalidade que mais se adequa a sua realidade, que pode ser PGBL ou VGBL. Al\u00e9m disso, existe o modelo de tributa\u00e7\u00e3o progressivo e o regressivo.<\/p>\n\n\n\n<p class=\"has-noite-color has-text-color has-link-color wp-elements-4108da0db12788b8b44c99bc5b227dd5\" style=\"font-size:16px;font-style:normal;font-weight:300;line-height:1.7\">Para um funcion\u00e1rio CLT, com renda bruta anual de R$ 100.000, o modelo mais adequado seria o PGBL, no regime de tributa\u00e7\u00e3o regressivo, j\u00e1 que ao longo do tempo, o imposto sobre o patrim\u00f4nio diminui ao longo do tempo. <\/p>\n\n\n\n<p class=\"has-noite-color has-text-color has-link-color wp-elements-5f78d35e413774f7af9be44fa38b85a4\" style=\"font-size:16px;font-style:normal;font-weight:300;line-height:1.7\">A seguir, fa\u00e7amos uma simula\u00e7\u00e3o, desse investidor CLT, com bruta anual j\u00e1 mencionada. Caso ele aplique 12% da sua renda anual no fundo de previd\u00eancia do \u00c1rtica (cuja rentabilidade j\u00e1 \u00e9 maior do que 20% ao ano), conseguir\u00e1 abater 100% desses 12% (R$ 12.000)  da sua declara\u00e7\u00e3o anual de imposto de renda.  Confira a tabela a seguir com o valor acumulado e desconto na tributa\u00e7\u00e3o aplicando no modelo PGBL para esse investidor:<\/p>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:0\">\n<figure class=\"wp-block-table source-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Anos Investido<\/strong><\/td><td><strong>Imposto Pago na Declara\u00e7\u00e3o de IR<\/strong><\/td><td><strong>Imposto Pago na Declara\u00e7\u00e3o de IR<\/strong><\/td><td><strong>Investimento no \u00c1rtica Prev<\/strong><\/td><td><strong>Saldo Acumulado no Investimento<\/strong><\/td><td><strong>IR no Resgate<\/strong><\/td><td><strong>Valor l\u00edquido para o Investidor<\/strong><\/td><\/tr><tr><td>5<\/td><td>R$ 137.500<\/td><td>R$ 77.500<\/td><td>R$ 60.000<\/td><td>R$ 107.159<\/td><td>R$ 32.239<\/td><td>R$ 74.920<\/td><\/tr><tr><td>10<\/td><td>R$ 275.000<\/td><td>R$ 155.000<\/td><td>R$ 120.000<\/td><td>R$ 373,805<\/td><td>R$ 80.549<\/td><td>R$ 293.256<\/td><\/tr><tr><td>15<\/td><td>R$ 412.500<\/td><td>R$ 232.500<\/td><td>R$ 180.000<\/td><td>R$ 1.037.306<\/td><td>R$ 146.899<\/td><td>R$ 890.407<\/td><\/tr><tr><td>20<\/td><td>R$ 550.000<\/td><td>R$ 310.000<\/td><td>R$ 240.000<\/td><td>R$ 2.688.307<\/td><td>R$ 311.999<\/td><td>R$ 2.376.308<\/td><\/tr><tr><td>25<\/td><td>R$ 687.500<\/td><td>R$ 387.500<\/td><td>R$ 300.000<\/td><td>R$ 6.796.528<\/td><td>R$ 722.821<\/td><td>R$ 6.073.707<\/td><\/tr><tr><td>30<\/td><td>R$ 825.000<\/td><td>R$ 465.000<\/td><td>R$ 360.000<\/td><td>R$ 17.019.095<\/td><td>R$ 1.745.078<\/td><td>R$ 15.274.017<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-group hidden-desktop hidden-mobile-tablet has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<style>\n.table-wrapper {\n  width: 100%;\n  max-width: 1200px;\n  margin: 0 auto;\n  overflow-x: auto;\n  background: #ffffff;\n  border: 1px solid #dee2e6;\n}\n\ntable {\n  width: 100%;\n  border-collapse: collapse;\n  min-width: 1024px;\n}\n\n\nthead tr:first-child th {\n  padding: 1rem 1.25rem;\n  color: #ffffff;\n  font-weight: 600;\n  font-size: 0.9rem;\n  text-align: center;\n  border-bottom: none;\n}\n\n.header-sem-investimento {\n  background-color: #0d47a1;\n}\n\n.header-com-investimento {\n  background-color: #1e88e5;\n}\n\n\ntbody tr:first-child th {\n  white-space: normal;\n  min-width: 100px;\n}\n\ntbody tr:first-child td {\n  white-space: normal;\n  min-width: 100px;\n}\n\ntbody td {\n  padding: 1rem 0.75rem;\n  border-bottom: 1px solid #f1f3f5;\n  vertical-align: middle;\n  text-align: right;\n  font-size: 0.95rem;\n  color: #212529;\n  white-space: nowrap;\n}\n\ntbody tr:last-child th,\ntbody tr:last-child td {\n  border-bottom: none;\n}\n\ntbody th,\ntbody td {\n  font-weight: 500;\n  color: #212529;\n  text-align: center;\n}\n\n\ntbody td.valor-liquido-bold {\n  font-weight: 700;\n  color: #000000;\n}\n\ntbody th:first-child {\n  padding-left: 1rem;\n}\n\ntbody td:last-child {\n  padding-right: 1rem;\n}\n\n<\/style>\n\n\n    <script>\n  document.addEventListener('DOMContentLoaded', function() {\n\n    const sourceTable = document.querySelector('.source-table');\n    if (!sourceTable) {\n      console.error('Tabela de origem .source-table n\u00e3o encontrada.');\n      return;\n    }\n    sourceTable.classList.add('hidden-desktop', 'hidden-tablet-mobile');\n    sourceTable.style.display = 'none';\n\n    const extractedData = [];\n    const sourceRows = sourceTable.querySelectorAll('tbody tr');\n    let totalColumns = 0; \/\/ Vari\u00e1vel para armazenar o n\u00famero total de colunas\n\n    sourceRows.forEach(row => {\n      const cells = row.querySelectorAll('th, td');\n      if (cells.length === 0) return; \/\/ Pula linhas vazias\n\n      const rowData = [];\n      cells.forEach(cell => {\n        rowData.push(cell.innerText);\n      });\n\n      if (totalColumns === 0) {\n        totalColumns = rowData.length;\n      }\n      if (rowData.length === totalColumns) {\n        extractedData.push(rowData);\n      }\n    });\n\n    if (extractedData.length === 0) {\n      console.error('Nenhum dado v\u00e1lido extra\u00eddo da tabela de origem.');\n      return;\n    }\n\n    const newTableRowsHTML = extractedData.map(rowData => {\n      const anoHeader = `<th>${rowData[0]}<\/th>`;\n\n      const dataCells = rowData.slice(1).map((cellText, index) => {\n        \/\/ A 'isLastCell' \u00e9 verdadeira se o \u00edndice atual for o \u00faltimo do array 'slice(1)'\n        const isLastCell = (index === rowData.length - 2);\n        const className = isLastCell ? ' class=\"valor-liquido-bold\"' : '';\n        return `<td${className}>${cellText}<\/td>`;\n      }).join('');\n\n      return `<tr>${anoHeader}${dataCells}<\/tr>`;\n    }).join('');\n    const colspanSemInvestimento = 2; \/\/ Fixo: 'Ano' + 1 coluna de dados\n    const colspanComInvestimento = totalColumns - colspanSemInvestimento; \/\/ O restante\n\n    const newTableHTML = `\n        <div class=\"table-wrapper\">\n            <table>\n                <thead>\n                    <tr>\n                        <th colspan=\"${colspanSemInvestimento}\" class=\"header-sem-investimento\">\n                            Cen\u00e1rio: Sem investimento na \u00c1rtica Previd\u00eancia\n                        <\/th>\n                        <th colspan=\"${colspanComInvestimento}\" class=\"header-com-investimento\">\n                            Cen\u00e1rio com Investimento de at\u00e9 12% da Renda Bruta Tribut\u00e1vel no \u00c1rtica Prev\n                        <\/th>\n                    <\/tr>\n                <\/thead>\n                <tbody>\n                    ${newTableRowsHTML}\n                <\/tbody>\n            <\/table>\n        <\/div>\n        `;\n\n    sourceTable.insertAdjacentHTML('afterend', newTableHTML);\n\n  });\n\n    <\/script>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cover is-light has-aspect-ratio\" style=\"margin-top:0rem;margin-bottom:0rem;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;aspect-ratio:auto;min-height:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-neve-background-color has-background-dim-100 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-container-core-cover-is-layout-62f0cf16 wp-block-cover-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-eb5bab19 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns artica-content-spaces is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20)\">\n<p class=\"has-text-align-left has-noite-color has-text-color has-link-color wp-elements-b70ba92659a8e1a606777b7998efb053\" style=\"font-size:16px;font-style:normal;font-weight:300;line-height:1.7\">Para saber mais, se inscreva e receba em seu email um mini curso sobre previd\u00eancia, que te ensinar\u00e1 como escolher o melhor plano e modelo de tributa\u00e7\u00e3o, benef\u00edcios tribut\u00e1rios e todas as vantagens em investir em previd\u00eancia.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\"><script type=\"text\/javascript\" src=\"https:\/\/info.artica.capital\/form\/generate.js?id=38\"><\/script>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"wp-custom-template-empty","meta":{"footnotes":""},"class_list":["post-7017","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/artica.capital\/en\/wp-json\/wp\/v2\/pages\/7017","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/artica.capital\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/artica.capital\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/artica.capital\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/artica.capital\/en\/wp-json\/wp\/v2\/comments?post=7017"}],"version-history":[{"count":67,"href":"https:\/\/artica.capital\/en\/wp-json\/wp\/v2\/pages\/7017\/revisions"}],"predecessor-version":[{"id":7447,"href":"https:\/\/artica.capital\/en\/wp-json\/wp\/v2\/pages\/7017\/revisions\/7447"}],"wp:attachment":[{"href":"https:\/\/artica.capital\/en\/wp-json\/wp\/v2\/media?parent=7017"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}