{"id":10851,"date":"2025-07-15T13:34:50","date_gmt":"2025-07-15T13:34:50","guid":{"rendered":"https:\/\/functiontranslator.com\/desc\/"},"modified":"2021-02-25T17:17:50","modified_gmt":"2021-02-25T17:17:50","slug":"disc","status":"publish","type":"post","link":"https:\/\/functiontranslator.com\/pt-pt\/disc\/","title":{"rendered":"DESC"},"content":{"rendered":"

Introdu\u00e7\u00e3o<\/h2>\n

A fun\u00e7\u00e3o DISC no Excel e DESCR no Google Planilhas s\u00e3o utilizadas para calcular a taxa de desconto de um t\u00edtulo financeiro. Essas fun\u00e7\u00f5es s\u00e3o extremamente \u00fateis para profissionais do setor financeiro que necessitam analisar investimentos em t\u00edtulos negociados antes de seus vencimentos.<\/p>\n

Sintaxe e Exemplos<\/h2>\n

A sintaxe da fun\u00e7\u00e3o DISC no Excel \u00e9:<\/p>\n

DISC(settlement, maturity, pr, redemption, [basis])<\/code><\/pre>\n
    \n
  • settlement<\/strong>: Data em que o t\u00edtulo \u00e9 comprado.<\/li>\n
  • maturity<\/strong>: Data de vencimento do t\u00edtulo.<\/li>\n
  • pr<\/strong>: Pre\u00e7o do t\u00edtulo por $100 de valor nominal.<\/li>\n
  • redemption<\/strong>: Valor de resgate por $100 de valor nominal.<\/li>\n
  • basis<\/strong> (opcional): Conven\u00e7\u00e3o de contagem de dias utilizada. Por padr\u00e3o, \u00e9 0, correspondendo ao m\u00e9todo 30\/360.<\/li>\n<\/ul>\n
    Exemplo no Excel:<\/p>\n
    =DISC(\"01\/04\/2023\", \"01\/04\/2024\", 95, 100)<\/code><\/pre>\n
    Este exemplo calcula a taxa de desconto de um t\u00edtulo comprado em 1\u00ba de abril de 2023 e que vence em 1\u00ba de abril de 2024, onde o pre\u00e7o de compra foi $95 por $100 de valor nominal e o valor de resgate \u00e9 $100.<\/p>\n
    A sintaxe na Google Planilhas para a fun\u00e7\u00e3o DESCR \u00e9 semelhante:<\/p>\n
    DESCR(data_compra, data_vencimento, pre\u00e7o, resgate, [basis])<\/code><\/pre>\n
    Utilizando o mesmo exemplo:<\/p>\n
    =DESCR(\"01\/04\/2023\", \"01\/04\/2024\", 95, 100)<\/code><\/pre>\n
    Aplica\u00e7\u00f5es pr\u00e1ticas<\/h2>\n
    Caso 1: Compara\u00e7\u00e3o de T\u00edtulos<\/h2>\n
    Imagine um investidor avaliando dois t\u00edtulos com diferentes pre\u00e7os e valores de resgate, por\u00e9m com a mesma data de vencimento e compra.<\/p>\n
    T\u00edtulo A:<\/p>\n
    =DISC(\"01\/01\/2024\", \"01\/01\/2025\", 92, 100)<\/code><\/pre>\n
    T\u00edtulo B:<\/p>\n
    =DISC(\"01\/01\/2024\", \"01\/01\/2025\", 94, 100)<\/code><\/pre>\n
    A compara\u00e7\u00e3o entre os resultados ajudar\u00e1 a identificar qual t\u00edtulo oferece melhor retorno ajustado ao risco.<\/p>\n
    Caso 2: Impacto da Base de Contagem de Dias<\/h2>\n
    Examinando como diferentes conven\u00e7\u00f5es de contagem de dias afetam a taxa de desconto de um t\u00edtulo:<\/p>\n
    =DISC(\"01\/01\/2024\", \"01\/01\/2025\", 95, 100, 0) \/\/ Base 30\/360<\/code><\/pre>\n
    =DISC(\"01\/01\/2024\", \"01\/01\/2025\", 95, 100, 1) \/\/ Base Atual\/Atual<\/code><\/pre>\n
    Esta an\u00e1lise ilustra o impacto que pequenas varia\u00e7\u00f5es na base de c\u00e1lculo t\u00eam sobre o rendimento percebido do t\u00edtulo, aspecto cr\u00edtico para o planejamento financeiro preciso e avalia\u00e7\u00e3o de investimentos.<\/p>\n","protected":false},"excerpt":{"rendered":"
    Devolve a taxa de desconto de um t\u00edtulo<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[438],"tags":[],"class_list":["post-10851","post","type-post","status-publish","format-standard","hentry","category-financeira"],"acf":[],"yoast_head":"\nFun\u00e7\u00e3o DISC (DESC) no Excel \u2013 como funciona, exemplos e sintaxe<\/title>\n<meta name=\"description\" content=\"Breve descri\u00e7\u00e3o da fun\u00e7\u00e3o DISC (DESC) do Excel. 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