{"id":11202,"date":"2025-07-15T13:34:51","date_gmt":"2025-07-15T13:34:51","guid":{"rendered":"https:\/\/functiontranslator.com\/lucrovenc\/"},"modified":"2021-02-25T17:33:38","modified_gmt":"2021-02-25T17:33:38","slug":"yieldmat","status":"publish","type":"post","link":"https:\/\/functiontranslator.com\/pt-pt\/yieldmat\/","title":{"rendered":"LUCROVENC"},"content":{"rendered":"

A fun\u00e7\u00e3o LUCROVENC do Microsoft Excel e do Google Planilhas permite calcular o rendimento de um t\u00edtulo de d\u00edvida considerando a data de emiss\u00e3o, data de vencimento, taxa de juros e pre\u00e7o de compra. Essa fun\u00e7\u00e3o \u00e9 essencial para analisar o retorno de investimentos em t\u00edtulos de d\u00edvida antes do vencimento, sendo de grande utilidade no setor financeiro.<\/p>\n

Sintaxe e Usos da Fun\u00e7\u00e3o<\/h2>\n

A sintaxe para a fun\u00e7\u00e3o LUCROVENC \u00e9:<\/p>\n

=LUCROVENC(data_emissao, data_vencimento, taxa, preco, valor_nominal, [base]) <\/code><\/pre>\n
    \n
  • data_emissao:<\/b> A data em que o t\u00edtulo foi emitido.<\/li>\n
  • data_vencimento:<\/b> A data em que o t\u00edtulo vencer\u00e1.<\/li>\n
  • taxa:<\/b> A taxa anual de juros do t\u00edtulo.<\/li>\n
  • preco:<\/b> O pre\u00e7o de compra do t\u00edtulo por 100 unidades de valor nominal.<\/li>\n
  • valor_nominal:<\/b> O valor de face do t\u00edtulo, que geralmente corresponde ao montante a ser recebido no vencimento.<\/li>\n
  • base (opcional):<\/b> A conven\u00e7\u00e3o de contagem de dias usada no c\u00e1lculo do rendimento. Se n\u00e3o especificado, o padr\u00e3o utilizado \u00e9 0 (NASD 30\/360).<\/li>\n<\/ul>\n
    Por exemplo, considere um t\u00edtulo com as caracter\u00edsticas abaixo:<\/p>\n
      \n
    • Data de emiss\u00e3o: 01\/01\/2023<\/li>\n
    • Data de vencimento: 01\/01\/2024<\/li>\n
    • Taxa de juros: 5% ao ano<\/li>\n
    • Pre\u00e7o: 98 (ou seja, 98% do valor nominal)<\/li>\n
    • Valor nominal: 1000<\/li>\n<\/ul>\n
      O c\u00e1lculo do rendimento at\u00e9 o vencimento seria:<\/p>\n
      =LUCROVENC(\"01\/01\/2023\", \"01\/01\/2024\", 0.05, 98, 1000) <\/code><\/pre>\n
      Casos Pr\u00e1ticos de Uso<\/h2>\n
      1. Avalia\u00e7\u00e3o de Investimentos em T\u00edtulos<\/h2>\n
      Imagine um investidor avaliando a compra de um t\u00edtulo com as seguintes caracter\u00edsticas:<\/p>\n
        \n
      • Data de emiss\u00e3o: 01\/06\/2023<\/li>\n
      • Data de vencimento: 01\/06\/2026<\/li>\n
      • Taxa de juros: 4% ao ano<\/li>\n
      • Pre\u00e7o: 95<\/li>\n
      • Valor nominal: 5000<\/li>\n<\/ul>\n
        A fun\u00e7\u00e3o LUCROVENC poderia ser utilizada para calcular o rendimento \u00e0 maturidade:<\/p>\n
        =LUCROVENC(\"01\/06\/2023\", \"01\/06\/2026\", 0.04, 95, 5000) <\/code><\/pre>\n
        Este resultado permite ao investidor determinar se o rendimento est\u00e1 alinhado com suas expectativas de retorno.<\/p>\n
        2. Compara\u00e7\u00e3o Entre Diferentes T\u00edtulos<\/h2>\n
        Um gestor de fundos pode utilizar a fun\u00e7\u00e3o LUCROVENC para comparar o rendimento de dois t\u00edtulos com caracter\u00edsticas distintas e decidir qual deles incluir em seu portf\u00f3lio. Um t\u00edtulo pode oferecer uma taxa de juros mais alta com um pre\u00e7o maior e vencimento mais curto, enquanto outro pode ter uma taxa mais baixa, pre\u00e7o acess\u00edvel e vencimento mais longo.<\/p>\n\n\n\n\n
        T\u00edtulo<\/th>\nData de Emiss\u00e3o<\/th>\nData de Vencimento<\/th>\nTaxa de Juros<\/th>\nPre\u00e7o<\/th>\nValor Nominal<\/th>\nRendimento \u00e0 Maturidade<\/th>\n<\/tr>\n
        T\u00edtulo A<\/td>\n01\/01\/2023<\/td>\n01\/01\/2025<\/td>\n6%<\/td>\n105<\/td>\n1000<\/td>\n=LUCROVENC(\"01\/01\/2023\", \"01\/01\/2025\", 0.06, 105, 1000)<\/code><\/td>\n<\/tr>\n
        T\u00edtulo B<\/td>\n01\/01\/2023<\/td>\n01\/01\/2030<\/td>\n4%<\/td>\n100<\/td>\n1000<\/td>\n=LUCROVENC(\"01\/01\/2023\", \"01\/01\/2030\", 0.04, 100, 1000)<\/code><\/td>\n<\/tr>\n<\/table>\n
        Essa an\u00e1lise facilita a compreens\u00e3o dos perfis de cada investimento e auxilia o gestor a tomar decis\u00f5es baseadas em objetivos de longo prazo e expectativas de risco e retorno.<\/p>\n","protected":false},"excerpt":{"rendered":"
        Devolve o lucro anual de um t\u00edtulo que paga juros na data de vencimento<\/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-11202","post","type-post","status-publish","format-standard","hentry","category-financeira"],"acf":[],"yoast_head":"\nFun\u00e7\u00e3o YIELDMAT (LUCROVENC) no Excel \u2013 como funciona, exemplos e sintaxe<\/title>\n<meta name=\"description\" content=\"Breve descri\u00e7\u00e3o da fun\u00e7\u00e3o YIELDMAT (LUCROVENC) do Excel. Sintaxe, par\u00e2metros e exemplos pr\u00e1ticos de uso.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/functiontranslator.com\/pt-pt\/yieldmat\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fun\u00e7\u00e3o YIELDMAT (LUCROVENC) no Excel \u2013 como funciona, exemplos e sintaxe\" \/>\n<meta property=\"og:description\" content=\"Breve descri\u00e7\u00e3o da fun\u00e7\u00e3o YIELDMAT (LUCROVENC) do Excel. Sintaxe, par\u00e2metros e exemplos pr\u00e1ticos de uso.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/functiontranslator.com\/pt-pt\/yieldmat\/\" \/>\n<meta property=\"og:site_name\" content=\"Function Translator\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-15T13:34:51+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-02-25T17:33:38+00:00\" \/>\n<meta name=\"author\" content=\"glavadmin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Fun\u00e7\u00e3o YIELDMAT (LUCROVENC) no Excel \u2013 como funciona, exemplos e sintaxe\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"glavadmin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tempo estimado de leitura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/functiontranslator.com\/pt-pt\/yieldmat\/\",\"url\":\"https:\/\/functiontranslator.com\/pt-pt\/yieldmat\/\",\"name\":\"Fun\u00e7\u00e3o YIELDMAT (LUCROVENC) no Excel \u2013 como funciona, exemplos e sintaxe\",\"isPartOf\":{\"@id\":\"https:\/\/functiontranslator.com\/no\/#website\"},\"datePublished\":\"2025-07-15T13:34:51+00:00\",\"dateModified\":\"2021-02-25T17:33:38+00:00\",\"author\":{\"@id\":\"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/87663eece497ca58643166ecb09f1389\"},\"description\":\"Breve descri\u00e7\u00e3o da fun\u00e7\u00e3o YIELDMAT (LUCROVENC) do Excel. Sintaxe, par\u00e2metros e exemplos pr\u00e1ticos de uso.\",\"breadcrumb\":{\"@id\":\"https:\/\/functiontranslator.com\/pt-pt\/yieldmat\/#breadcrumb\"},\"inLanguage\":\"pt-PT\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/functiontranslator.com\/pt-pt\/yieldmat\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/functiontranslator.com\/pt-pt\/yieldmat\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Fun\u00e7\u00f5es do Excel\",\"item\":\"https:\/\/functiontranslator.com\/pt-pt\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Financeira\",\"item\":\"https:\/\/functiontranslator.com\/pt-pt\/financeira\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"LUCROVENC\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/functiontranslator.com\/no\/#website\",\"url\":\"https:\/\/functiontranslator.com\/no\/\",\"name\":\"Function Translator\",\"description\":\"Excel function translator\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/functiontranslator.com\/no\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"pt-PT\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/87663eece497ca58643166ecb09f1389\",\"name\":\"glavadmin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-PT\",\"@id\":\"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/03ccd9347c5339db75deede5a8c5b2bf1d40e0bce26a5251fcaac6331d381db8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/03ccd9347c5339db75deede5a8c5b2bf1d40e0bce26a5251fcaac6331d381db8?s=96&d=mm&r=g\",\"caption\":\"glavadmin\"},\"sameAs\":[\"https:\/\/functiontranslator.com\"],\"url\":\"https:\/\/functiontranslator.com\/pt-pt\/author\/glavadmin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Fun\u00e7\u00e3o YIELDMAT (LUCROVENC) no Excel \u2013 como funciona, exemplos e sintaxe","description":"Breve descri\u00e7\u00e3o da fun\u00e7\u00e3o YIELDMAT (LUCROVENC) do Excel. Sintaxe, par\u00e2metros e exemplos pr\u00e1ticos de uso.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/functiontranslator.com\/pt-pt\/yieldmat\/","og_locale":"pt_PT","og_type":"article","og_title":"Fun\u00e7\u00e3o YIELDMAT (LUCROVENC) no Excel \u2013 como funciona, exemplos e sintaxe","og_description":"Breve descri\u00e7\u00e3o da fun\u00e7\u00e3o YIELDMAT (LUCROVENC) do Excel. Sintaxe, par\u00e2metros e exemplos pr\u00e1ticos de uso.","og_url":"https:\/\/functiontranslator.com\/pt-pt\/yieldmat\/","og_site_name":"Function Translator","article_published_time":"2025-07-15T13:34:51+00:00","article_modified_time":"2021-02-25T17:33:38+00:00","author":"glavadmin","twitter_card":"summary_large_image","twitter_title":"Fun\u00e7\u00e3o YIELDMAT (LUCROVENC) no Excel \u2013 como funciona, exemplos e sintaxe","twitter_misc":{"Escrito por":"glavadmin","Tempo estimado de leitura":"2 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/functiontranslator.com\/pt-pt\/yieldmat\/","url":"https:\/\/functiontranslator.com\/pt-pt\/yieldmat\/","name":"Fun\u00e7\u00e3o YIELDMAT (LUCROVENC) no Excel \u2013 como funciona, exemplos e sintaxe","isPartOf":{"@id":"https:\/\/functiontranslator.com\/no\/#website"},"datePublished":"2025-07-15T13:34:51+00:00","dateModified":"2021-02-25T17:33:38+00:00","author":{"@id":"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/87663eece497ca58643166ecb09f1389"},"description":"Breve descri\u00e7\u00e3o da fun\u00e7\u00e3o YIELDMAT (LUCROVENC) do Excel. Sintaxe, par\u00e2metros e exemplos pr\u00e1ticos de uso.","breadcrumb":{"@id":"https:\/\/functiontranslator.com\/pt-pt\/yieldmat\/#breadcrumb"},"inLanguage":"pt-PT","potentialAction":[{"@type":"ReadAction","target":["https:\/\/functiontranslator.com\/pt-pt\/yieldmat\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/functiontranslator.com\/pt-pt\/yieldmat\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Fun\u00e7\u00f5es do Excel","item":"https:\/\/functiontranslator.com\/pt-pt\/"},{"@type":"ListItem","position":2,"name":"Financeira","item":"https:\/\/functiontranslator.com\/pt-pt\/financeira\/"},{"@type":"ListItem","position":3,"name":"LUCROVENC"}]},{"@type":"WebSite","@id":"https:\/\/functiontranslator.com\/no\/#website","url":"https:\/\/functiontranslator.com\/no\/","name":"Function Translator","description":"Excel function translator","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/functiontranslator.com\/no\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pt-PT"},{"@type":"Person","@id":"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/87663eece497ca58643166ecb09f1389","name":"glavadmin","image":{"@type":"ImageObject","inLanguage":"pt-PT","@id":"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/03ccd9347c5339db75deede5a8c5b2bf1d40e0bce26a5251fcaac6331d381db8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/03ccd9347c5339db75deede5a8c5b2bf1d40e0bce26a5251fcaac6331d381db8?s=96&d=mm&r=g","caption":"glavadmin"},"sameAs":["https:\/\/functiontranslator.com"],"url":"https:\/\/functiontranslator.com\/pt-pt\/author\/glavadmin\/"}]}},"_links":{"self":[{"href":"https:\/\/functiontranslator.com\/pt-pt\/wp-json\/wp\/v2\/posts\/11202","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/functiontranslator.com\/pt-pt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/functiontranslator.com\/pt-pt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/functiontranslator.com\/pt-pt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/functiontranslator.com\/pt-pt\/wp-json\/wp\/v2\/comments?post=11202"}],"version-history":[{"count":1,"href":"https:\/\/functiontranslator.com\/pt-pt\/wp-json\/wp\/v2\/posts\/11202\/revisions"}],"predecessor-version":[{"id":26031,"href":"https:\/\/functiontranslator.com\/pt-pt\/wp-json\/wp\/v2\/posts\/11202\/revisions\/26031"}],"wp:attachment":[{"href":"https:\/\/functiontranslator.com\/pt-pt\/wp-json\/wp\/v2\/media?parent=11202"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/functiontranslator.com\/pt-pt\/wp-json\/wp\/v2\/categories?post=11202"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/functiontranslator.com\/pt-pt\/wp-json\/wp\/v2\/tags?post=11202"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}