Financial Terms in Portuguese
Understanding financial terminology is crucial for anyone dealing with the Brazilian or Portuguese market. Here’s a breakdown of some essential financial terms in Portuguese:
General Financial Terms
- Dinheiro: Money
- Banco: Bank
- Conta bancária: Bank account
- Juros: Interest
- Taxa de juros: Interest rate
- Investimento: Investment
- Ações: Stocks/Shares
- Bolsa de Valores: Stock Exchange
- Mercado financeiro: Financial market
- Moeda: Currency
- Câmbio: Exchange rate
- Imposto: Tax
- Imposto de Renda: Income Tax
- Inflação: Inflation
- Deflação: Deflation
- Orçamento: Budget
- Finanças pessoais: Personal finance
- Crédito: Credit
- Dívida: Debt
- Poupança: Savings
- Lucro: Profit
- Prejuízo: Loss
- Rendimento: Income/Yield
- Balanço patrimonial: Balance sheet
- Fluxo de caixa: Cash flow
- Ativo: Asset
- Passivo: Liability
- Patrimônio líquido: Equity
Specific Investment Terms
- Tesouro Direto: Brazilian government bonds sold directly to individuals.
- CDB (Certificado de Depósito Bancário): Certificate of Bank Deposit, a type of fixed-income investment.
- LCI (Letra de Crédito Imobiliário): Real Estate Credit Bill, a tax-exempt fixed-income investment linked to the real estate sector.
- LCA (Letra de Crédito do Agronegócio): Agribusiness Credit Bill, similar to LCI but linked to the agribusiness sector. Also tax-exempt.
- Fundos de Investimento: Investment Funds
- Fundos Imobiliários (FIIs): Real Estate Investment Funds
Banking and Credit Terms
- Cheque: Check
- Cartão de crédito: Credit card
- Cartão de débito: Debit card
- Empréstimo: Loan
- Financiamento: Financing
- Consórcio: A type of group savings plan used for purchasing goods or services.
- Boleto bancário: A widely used payment slip in Brazil.
- Transferência bancária: Bank transfer
This is not an exhaustive list, but it covers many of the most common financial terms you’ll encounter in Portuguese. Remember that context is always key when interpreting financial language, and it’s always a good idea to consult with a financial professional for specific advice.