Is it worth being a NuSócio? In other words, accept a “little piece” of Nubank shares? Let's go! Now you will stay up to date with this story and understand a little about this new Nubank BDR. It seems complicated for those who are not familiar with investments, but you will see that it is very simple.
NuSócios, which is this investment education program that Nubank created, offers pieces of the company to its customers, AT NO COST. This means that whoever accepts gets a BDR, which is a fraction of a share – which rises and falls – of Nu Holdings Ltd, the leading company of the Nubank group.
This without paying anything! Nothing real at all! No gotchas and no asterisks. Because the intention is for NuSócio to accept this fraction and, for a year, they begin to learn more about the investment. However, as it is a fraction of a share, you can see the eventual movement, but without having paid anything for it.
After 1 year of “little bit”
At the end of 12 months, the customer can decide whether they want to keep their little piece, because then it becomes an investment, or whether they want to receive the value from its sale. In the second case, Nubank sells the little piece at its market value at that moment. Then the money is deposited into the partner's account, already deducting the B3 fee and taxes.
Therefore, in this whole story, the client did not pay anything, he will gain the opportunity to learn more about investing and, in addition, if he wants, he will receive the value of the sale at the end. The moment the customer accepts the little piece, Nubank is responsible for it. In other words, it is not in the client's name or CPF, nor does it need to be declared on the IR.
In fact, in this first year Nubank will be responsible for taking care of your BDR. Even so, the customer will be able to track its value in the app. In this sense, you will not need to take any action or deal with any bureaucracy. However, at the end of 1 year, he chooses what to do with his own little piece.
If you decide to stay, the BDR soon becomes your investment and you become responsible for it. But it's not an abandonment, of course you'll have Nubank's help to do everything right. However, if you want to receive the amount, you won't have to deal with any bureaucracy either, because Nubank is the one who sells it to you.
NuSócio Income Tax
Firstly, the concern is with the 2022 IR, the one that must be declared from March of the same year. You don't need to declare the little piece of NuSócios in this IR! In other words, no one who accepts the BDR – free of charge – will need to make a declaration for it, because it will still be in Nubank's name for 1 year.
On the other hand, whoever decides to keep the little piece, after 12 months, may have to declare it in the 2023 IR. But whoever doesn't keep it and wants the value in the account, won't need to declare it. Whoever wants to stay will have an investment in their name. This transfer of ownership will be done digitally and automated.
The idea is that with all the learning that NuSócio has in the first year, everyone can make their own choice, that is, decide whether or not it makes sense for them. However, from then on, he may have to declare income tax. However, when that moment arrives, Nubank will instruct you on how to do this in the best way possible.
I never invested in the Brazilian Stock Exchange (B3)
The coolest thing about this program is that it is giving this opportunity to thousands of clients who never even thought they could invest in the stock market. And besides, the most important thing is that he will teach NuSócio how to do this. In other words, in the first year, Nubank will be the financial mentor of its own partner.
In order for this to happen, Nubank will use educational material, teaching about the risks and opportunities of the Stock Exchange. In other words, provide security so that the customer can make their choice. Then, at the end of 12 months, whoever chooses to keep the BDR will know how to take proper care of their investment.
While the client won this little piece, at no cost, the “rises and falls” in value will help to better understand the financial market, but without the risk of the client having invested their own money. In short, there is no risk of losing money that you did not invest in the Brazilian Stock Exchange.
Accept the “Pedacinho” or Invest in the IPO?
This question is great! Firstly, in both cases we are talking about Nubank BDRs. In fact, the monetary value is the same for both. The little piece of NuSócio is the BDR offered at NO COST! That is, the fraction of the share we are talking about here, which the client will be able to sell after 1 year of free learning.
On the other hand, the BDR of the paid reserve is already the customer even investing in Nubank's IPO. In short, the customer says how much and when they want to invest in the reserve, either through the Nubank app, or through the Nu Invest platforms. Therefore, reserve BDRs involve risk! Because NuSócio is already putting in its own money.
For those who are thinking about buying BDRs and investing, it is very important to read the prospectus, that is, the material with the main information about Nubank's IPO. Mainly the section that informs about “Risk Factors”. Remember: The little piece DOES NOT HAVE your money involved, as it is offered at no cost to customers.
Where to find Nubank
All the bank's news is always available on its social networks. Let's make a list of them here, so you can access the one(s) you prefer:
- Twitter → https://twitter.com/nubank;
- TikTok → https://www.tiktok.com/@nubank;
- Speak, Nubank → https://blog.nubank.com.br/;
- Facebook → https://www.facebook.com/nubank;
- Instagram → https://www.instagram.com/nubank;
- NuCommunity → https://comunidade.nubank.com.br/; It is
- LinkedIn → https://www.linkedin.com/company/nubank.
Becoming a NuSócio of Nubank
There are really several doubts, but the article clarifies the biggest ones. Now you understand how NuSócios works and why it is a super cool opportunity to learn how to invest, but without having to put in your own money. For those who wanted to accept their little piece, it was until December 5, 2021.
Another thing, remember to read the Prospectus, the Reference Form and the NuSócios Program Contract, three very important documents! But of course, before investing in Nubank's IPO. They can be found at sou.nu/prospecto, because transparency, until now, has been one of the company’s fundamental pillars.
To download and install the app Nubank: account, card and more, just access Google Play or Apple Store and eliminate the complexity of traditional banks. Today they are the largest financial services technology company in Latin America. And of course, here at dicade.com you become aware of the best opportunities on the market.
