{"id":11504,"date":"2026-07-31T17:20:14","date_gmt":"2026-07-31T20:20:14","guid":{"rendered":"https:\/\/clubedovalor.com.br\/conteudo\/?page_id=11504"},"modified":"2026-08-03T15:02:32","modified_gmt":"2026-08-03T18:02:32","slug":"simulador-renda-passiva-vitalicia","status":"publish","type":"page","link":"https:\/\/clubedovalor.com.br\/conteudo\/simulador-renda-passiva-vitalicia\/","title":{"rendered":"[ISCA BETA] Simulador Renda Passiva Vital\u00edcia \u2013 Captura"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"11504\" class=\"elementor elementor-11504\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e401a22 e-ecs-flex e-flex e-con-boxed e-con e-parent\" data-id=\"4e401a22\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;ecs_container_type&quot;:&quot;flex&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-799bd38b e-con-full e-ecs-flex e-flex e-con e-child\" data-id=\"799bd38b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ecs_container_type&quot;:&quot;flex&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6bc892d elementor-widget elementor-widget-html\" data-id=\"6bc892d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span style=\"display:inline-block;background:rgba(245,214,141,0.14);border:1px solid rgba(245,214,141,0.35);color:#F5D68D;font-family:Inter,sans-serif;font-size:12px;font-weight:600;letter-spacing:1.2px;text-transform:uppercase;padding:7px 16px;border-radius:25px;\">SIMULADOR gratuitO &middot; Clube do Valor<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-569a69f5 elementor-widget elementor-widget-heading\" data-id=\"569a69f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\"><strong>Descubra quanto voc&ecirc; vai receber por m&ecirc;s de <span style=\"color:#F5D68D\">Renda Passiva Vital&iacute;cia<\/span> quando parar de trabalhar.<\/strong><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-523b66d7 elementor-widget elementor-widget-text-editor\" data-id=\"523b66d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Simulador gratuito que transforma seus aportes em renda passiva mensal, e mostra em que ano o seu dinheiro come&ccedil;a a trabalhar mais do que voc&ecirc;.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2181773d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2181773d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3c85d225 e-con-full e-ecs-flex e-flex e-con e-child\" data-id=\"3c85d225\" data-element_type=\"container\" data-e-type=\"container\" id=\"form-simulador\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;ecs_container_type&quot;:&quot;flex&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d498792 elementor-widget elementor-widget-heading\" data-id=\"1d498792\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Preencha o formul\u00e1rio abaixo para acessar seu simulador<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"cdv-form elementor-element elementor-element-1f2872c4 elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"1f2872c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Pr\\u00f3ximo&quot;,&quot;step_previous_label&quot;:&quot;Anterior&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"form-inscrito-simulador-renda-passiva-vitalicia\" aria-label=\"form-inscrito-simulador-renda-passiva-vitalicia\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"11504\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"1f2872c4\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Simulador Renda Passiva Vital\u00edcia \u2013 Clube do Valor\" \/>\n\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"queried_id\" value=\"11504\"\/>\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tNome\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-md  elementor-field-textual\" placeholder=\"Seu nome completo\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tSeu melhor e-mail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-md  elementor-field-textual\" placeholder=\"seu@email.com\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-tel elementor-field-group elementor-column elementor-field-group-phone elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-phone\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tTelefone\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<input size=\"1\" type=\"tel\" name=\"form_fields[phone]\" id=\"form-field-phone\" class=\"elementor-field elementor-size-md  elementor-field-textual lib_intlTelInput\" required=\"required\" title=\"Apenas n\u00fameros e caracteres de telefone (#, -, *, etc.) s\u00e3o aceitos.\"><span id=\"valid-msg\" class=\"hide\"><\/span><span id=\"error-msg\" class=\"hide\"><\/span>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-patrimonio_investido elementor-field-group elementor-column elementor-field-group-PATRIMONIO_INVESTIDO elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-PATRIMONIO_INVESTIDO\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tPatrim\u00f4nio l\u00edquido investido\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<div class=\"elementor-field elementor-select-wrapper remove-before\"><div class=\"select-caret-down-wrapper\"><i aria-hidden=\"true\" class=\"eicon-caret-down\"><\/i><\/div><select type=\"patrimonio_investido\" name=\"form_fields[PATRIMONIO_INVESTIDO]\" id=\"form-field-PATRIMONIO_INVESTIDO\" class=\"elementor-field elementor-size-md  elementor-field-textual elementor-field elementor-size-sm\" required=\"required required\" aria-required=\"true\"><option value=\"\">Selecione...<\/option><option value=\"Menos de R$100 mil\">Menos de R$100 mil<\/option><option value=\"Entre R$100 a R$250 mil\">Entre R$100 a R$250 mil<\/option><option value=\"Entre R$250 a R$500 mil\">Entre R$250 a R$500 mil<\/option><option value=\"Entre R$500 mil a R$1 milh\u00e3o\">Entre R$500 mil a R$1 milh\u00e3o<\/option><option value=\"Entre R$1 a R$5 milh\u00f5es\">Entre R$1 a R$5 milh\u00f5es<\/option><option value=\"Entre R$5 a R$10 milh\u00f5es\">Entre R$5 a R$10 milh\u00f5es<\/option><option value=\"Acima de R$10 milh\u00f5es\">Acima de R$10 milh\u00f5es<\/option><\/select><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-aportes elementor-field-group elementor-column elementor-field-group-QUANTO_VOCE_CONSEGUE_POUPAR_POR_MES elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-QUANTO_VOCE_CONSEGUE_POUPAR_POR_MES\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tValor m\u00e9dio dos seus aportes mensais\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<div class=\"elementor-field elementor-select-wrapper remove-before\"><div class=\"select-caret-down-wrapper\"><i aria-hidden=\"true\" class=\"eicon-caret-down\"><\/i><\/div><select type=\"aportes\" name=\"form_fields[QUANTO_VOCE_CONSEGUE_POUPAR_POR_MES]\" id=\"form-field-QUANTO_VOCE_CONSEGUE_POUPAR_POR_MES\" class=\"elementor-field elementor-size-md  elementor-field-textual elementor-field elementor-size-sm\" required=\"required required\" aria-required=\"true\"><option value=\"\">Selecione...<\/option><option value=\"At\u00e9 R$500\">At\u00e9 R$500<\/option><option value=\"entre R$500 e R$1000\">entre R$500 e R$1000<\/option><option value=\"entre R$1.000 e R$2.500\">entre R$1.000 e R$2.500<\/option><option value=\"entre R$2.500 e R$5.000\">entre R$2.500 e R$5.000<\/option><option value=\"entre R$5.000 e R$10.000\">entre R$5.000 e R$10.000<\/option><option value=\"entre R$10.000 e R$20.000\">entre R$10.000 e R$20.000<\/option><option value=\"acima de R$20.000\">acima de R$20.000<\/option><\/select><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-acceptance elementor-field-group elementor-column elementor-field-group-ACEITOU_POLTICA_DE_PRIVACIDADE elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t<div class=\"elementor-field-subgroup\">\n\t\t\t<span class=\"elementor-field-option\">\n\t\t\t\t<input type=\"checkbox\" name=\"form_fields[ACEITOU_POLTICA_DE_PRIVACIDADE]\" id=\"form-field-ACEITOU_POLTICA_DE_PRIVACIDADE\" class=\"elementor-field elementor-size-md  elementor-acceptance-field\" required=\"required\">\n\t\t\t\t<label for=\"form-field-ACEITOU_POLTICA_DE_PRIVACIDADE\">Concordo em receber comunica\u00e7\u00f5es do Clube do Valor e estou ciente e concordo com o <a href=\"https:\/\/clubedovalor.com.br\/termo-de-consentimento\/\">Termo de Consentimentos para In\u00edcio de Relacionamento<\/a>.<\/label>\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-hidden elementor-field-group elementor-column elementor-field-group-tag elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"hidden\" name=\"form_fields[tag]\" id=\"form-field-tag\" class=\"elementor-field elementor-size-md  elementor-field-textual\" value=\"inscrito-simulador-renda-passiva-vitalicia\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-hidden elementor-field-group elementor-column elementor-field-group-APLICACAO elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"hidden\" name=\"form_fields[APLICACAO]\" id=\"form-field-APLICACAO\" class=\"elementor-field elementor-size-md  elementor-field-textual\" value=\"beta\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-md\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">LIBERAR MEU SIMULADOR<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-54804798 e-ecs-flex e-flex e-con-boxed e-con e-parent\" data-id=\"54804798\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;ecs_container_type&quot;:&quot;flex&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6c28639e e-con-full e-ecs-flex e-flex e-con e-child\" data-id=\"6c28639e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ecs_container_type&quot;:&quot;flex&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-790ad5d elementor-widget elementor-widget-heading\" data-id=\"790ad5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><strong>Quatro respostas que voc&ecirc; n&atilde;o tem hoje<\/strong><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41fcd8b7 elementor-widget elementor-widget-html\" data-id=\"41fcd8b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div style=\"max-width:940px;margin:0 auto;\">\r\n<div class=\"cdv-cards gsap-stagger\" style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:18px;\">\r\n  <div style=\"background:#ffffff;border:1px solid #e4e9f2;border-radius:14px;padding:26px 24px;\">\r\n    <div style=\"width:40px;height:40px;border-radius:10px;background:#EFF8FF;display:flex;align-items:center;justify-content:center;margin-bottom:16px;\"><svg width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#1C55B1\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><circle cx=\"12\" cy=\"12\" r=\"4.5\"\/><circle cx=\"12\" cy=\"12\" r=\"1\" fill=\"#1C55B1\" stroke=\"none\"\/><\/svg><\/div>\r\n    <h3 style=\"font-family:'Space Grotesk',Inter,sans-serif;font-size:19px;font-weight:700;color:#051123;margin:0 0 10px;line-height:1.3;\">Seu patrim&ocirc;nio alvo para se aposentar<\/h3>\r\n    <p style=\"font-family:Inter,sans-serif;font-size:15px;line-height:1.6;color:#45506b;margin:0;\">Calculado da forma correta, sem riscos de ser dilapidado pela infla&ccedil;&atilde;o.<\/p>\r\n  <\/div>\r\n  <div style=\"background:#ffffff;border:1px solid #e4e9f2;border-radius:14px;padding:26px 24px;\">\r\n    <div style=\"width:40px;height:40px;border-radius:10px;background:#FEFAE8;display:flex;align-items:center;justify-content:center;margin-bottom:16px;\"><svg width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#B08A47\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"3\" y=\"4\" width=\"18\" height=\"17\" rx=\"2\"\/><path d=\"M3 10h18M8 2v4M16 2v4\"\/><\/svg><\/div>\r\n    <h3 style=\"font-family:'Space Grotesk',Inter,sans-serif;font-size:19px;font-weight:700;color:#051123;margin:0 0 10px;line-height:1.3;\">Sua renda passiva mensal<\/h3>\r\n    <p style=\"font-family:Inter,sans-serif;font-size:15px;line-height:1.6;color:#45506b;margin:0;\">Quanto esse patrim&ocirc;nio te paga por m&ecirc;s quando voc&ecirc; para de aportar e come&ccedil;a a usufruir. Em poder de compra de hoje, n&atilde;o em n&uacute;mero inflado.<\/p>\r\n  <\/div>\r\n  <div style=\"background:#ffffff;border:1px solid #e4e9f2;border-radius:14px;padding:26px 24px;\">\r\n    <div style=\"width:40px;height:40px;border-radius:10px;background:#EFF8FF;display:flex;align-items:center;justify-content:center;margin-bottom:16px;\"><svg width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#1C55B1\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 7v5l4 2\"\/><\/svg><\/div>\r\n    <h3 style=\"font-family:'Space Grotesk',Inter,sans-serif;font-size:19px;font-weight:700;color:#051123;margin:0 0 10px;line-height:1.3;\">O ano estimado da Liberdade Financeira<\/h3>\r\n    <p style=\"font-family:Inter,sans-serif;font-size:15px;line-height:1.6;color:#45506b;margin:0;\">Uma proje&ccedil;&atilde;o de quando os rendimentos passam a ser maiores do que seu custo de vida. &Eacute; o dia em que o seu dinheiro come&ccedil;a a trabalhar mais do que voc&ecirc;.<\/p>\r\n  <\/div>\r\n  <div style=\"background:#ffffff;border:1px solid #e4e9f2;border-radius:14px;padding:26px 24px;\">\r\n    <div style=\"width:40px;height:40px;border-radius:10px;background:#FEFAE8;display:flex;align-items:center;justify-content:center;margin-bottom:16px;\"><svg width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#B08A47\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\"\/><path d=\"M3 9h18M3 15h18M9 3v18\"\/><\/svg><\/div>\r\n    <h3 style=\"font-family:'Space Grotesk',Inter,sans-serif;font-size:19px;font-weight:700;color:#051123;margin:0 0 10px;line-height:1.3;\">Seu crescimento ano a ano<\/h3>\r\n    <p style=\"font-family:Inter,sans-serif;font-size:15px;line-height:1.6;color:#45506b;margin:0;\">Uma tabela detalhada com cada ano do seu plano: patrim&ocirc;nio nominal, patrim&ocirc;nio real, total investido e juros acumulados.<\/p>\r\n  <\/div>\r\n<\/div>\r\n<\/div>\r\n<style>@media(max-width:767px){.cdv-cards{grid-template-columns:1fr !important;gap:14px !important;}.cdv-cards h3{font-size:17px !important;}.cdv-cards p{font-size:14.5px !important;}}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6edb6cb2 e-ecs-flex e-flex e-con-boxed e-con e-parent\" data-id=\"6edb6cb2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;ecs_container_type&quot;:&quot;flex&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6f3e337d e-con-full e-ecs-flex e-flex e-con e-child\" data-id=\"6f3e337d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ecs_container_type&quot;:&quot;flex&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-626e3c65 gsap-reveal elementor-widget elementor-widget-heading\" data-id=\"626e3c65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><strong>Por que o Clube do Valor entrega isso de gra&ccedil;a<\/strong><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5467192f gsap-reveal elementor-widget elementor-widget-text-editor\" data-id=\"5467192f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Porque a maior parte das decis\u00f5es ruins de investimento vem de uma conta mal feita, n\u00e3o de falta de disciplina.<\/p><p>O Clube do Valor est\u00e1 h\u00e1 quase uma d\u00e9cada negando comiss\u00f5es ocultas das grandes corretoras. Aqui voc\u00ea sabe exatamente o quanto est\u00e1 pagando \u2014 uma consultoria independente, com interesses alinhados aos seus.<\/p><p>Quanto maior o seu patrim\u00f4nio, mais n\u00f3s crescemos. <strong>Queremos o mesmo que voc\u00ea.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bdecba2 elementor-align-center elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"5bdecba2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#form-simulador\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">QUERO VER MEU N&Uacute;MERO<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6772eb92 elementor-widget elementor-widget-text-editor\" data-id=\"6772eb92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Acesso liberado na hora. Sem custo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7472218d e-ecs-flex e-flex e-con-boxed e-con e-parent\" data-id=\"7472218d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;ecs_container_type&quot;:&quot;flex&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3f407e09 e-con-full e-ecs-flex e-flex e-con e-child\" data-id=\"3f407e09\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ecs_container_type&quot;:&quot;flex&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2528aa3 elementor-widget elementor-widget-html\" data-id=\"2528aa3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div style=\"max-width:900px;margin:0 auto;background:#ffffff;border:1px solid #e4e9f2;border-left:3px solid #F5D68D;border-radius:12px;padding:26px 28px;\">\n  <p style=\"font-family:Inter,sans-serif;font-size:13px;font-weight:700;color:#45506b;margin:0 0 12px;letter-spacing:0.3px;\">Sobre a simula&ccedil;&atilde;o<\/p>\n  <p style=\"font-family:Inter,sans-serif;font-size:12.5px;line-height:1.65;color:#7b8499;margin:0 0 11px;\">Esta &eacute; uma ferramenta de simula&ccedil;&atilde;o, n&atilde;o uma recomenda&ccedil;&atilde;o de investimento. Todos os resultados s&atilde;o gerados a partir de premissas que voc&ecirc; mesmo informa: valor inicial, aporte mensal, prazo, rentabilidade projetada, infla&ccedil;&atilde;o projetada e reajuste do aporte.<\/p>\n  <p style=\"font-family:Inter,sans-serif;font-size:12.5px;line-height:1.65;color:#7b8499;margin:0 0 11px;\">Rentabilidade passada n&atilde;o &eacute; garantia de rentabilidade futura. Nenhum resultado exibido representa promessa, proje&ccedil;&atilde;o oficial ou garantia de retorno.<\/p>\n  <p style=\"font-family:Inter,sans-serif;font-size:12.5px;line-height:1.65;color:#7b8499;margin:0 0 11px;\">A &quot;renda passiva vital&iacute;cia&quot; &eacute; calculada aplicando uma taxa anual de usufruto (padr&atilde;o de 4% ao ano, ajust&aacute;vel por voc&ecirc;) sobre o patrim&ocirc;nio acumulado, expressa em poder de compra de hoje. A manuten&ccedil;&atilde;o do patrim&ocirc;nio ao longo do tempo depende da rentabilidade real efetivamente obtida, que pode ser maior ou menor que a projetada.<\/p>\n  <p style=\"font-family:Inter,sans-serif;font-size:12.5px;line-height:1.65;color:#7b8499;margin:0 0 11px;\">Metodologia: aportes ao final de cada m&ecirc;s, reajustados uma vez por ano. A taxa nominal anual &eacute; a composi&ccedil;&atilde;o da taxa real com a infla&ccedil;&atilde;o, convertida para taxa mensal equivalente. O patrim&ocirc;nio real &eacute; o patrim&ocirc;nio nominal deflacionado pela infla&ccedil;&atilde;o acumulada.<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ee94a9e e-ecs-flex e-flex e-con-boxed e-con e-parent\" data-id=\"5ee94a9e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;ecs_container_type&quot;:&quot;flex&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2e661467 e-con-full e-ecs-flex e-flex e-con e-child\" data-id=\"2e661467\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ecs_container_type&quot;:&quot;flex&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1baf966 elementor-widget elementor-widget-image\" data-id=\"1baf966\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"3816\" height=\"487\" src=\"https:\/\/clubedovalor.com.br\/net-content\/uploads\/sites\/20\/2026\/07\/logo-cdv-9-2.svg\" class=\"attachment-full size-full wp-image-11477\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-506f1804 elementor-widget elementor-widget-text-editor\" data-id=\"506f1804\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Clube do Valor &copy; 2026 &#8211; Todos os direitos reservados.<br><a href=\"\/politica-de-privacidade\" style=\"color:rgba(255,255,255,0.62);text-decoration:underline;\">Pol&iacute;tica de Privacidade<\/a> &middot; <a href=\"\/termos-de-uso\" style=\"color:rgba(255,255,255,0.62);text-decoration:underline;\">Termos de Uso<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-270408bd e-ecs-flex e-flex e-con-boxed e-con e-parent\" data-id=\"270408bd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ecs_container_type&quot;:&quot;flex&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-217a0661 e-con-full e-ecs-flex e-flex e-con e-child\" data-id=\"217a0661\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ecs_container_type&quot;:&quot;flex&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64ff8102 elementor-widget elementor-widget-html\" data-id=\"64ff8102\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n.js-on .gsap-reveal,\n.js-on .gsap-stagger > * { opacity: 0; }\n@media (prefers-reduced-motion: reduce) {\n  .js-on .gsap-reveal, .js-on .gsap-stagger > * { opacity: 1 !important; }\n}\nhtml { scroll-behavior: smooth; }\n<\/style>\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/gsap@3\/dist\/gsap.min.js\"><\/script>\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/gsap@3\/dist\/ScrollTrigger.min.js\"><\/script>\n<script>\n(function () {\n  document.documentElement.classList.add('js-on');\n  function init() {\n    if (!window.gsap) return;\n    gsap.registerPlugin(ScrollTrigger);\n    var mm = gsap.matchMedia();\n    mm.add(\n      { animate: '(prefers-reduced-motion: no-preference)', reduce: '(prefers-reduced-motion: reduce)' },\n      function (ctx) {\n        var reduce = ctx.conditions.reduce;\n        gsap.utils.toArray('.gsap-reveal').forEach(function (el) {\n          gsap.fromTo(el, { autoAlpha: 0, y: reduce ? 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Simulador gratuito que transforma seus aportes em renda passiva mensal, e mostra em que ano o seu dinheiro come&ccedil;a a trabalhar mais do que voc&ecirc;. Preencha o formul\u00e1rio abaixo para acessar seu simulador Quatro [&hellip;]<\/p>\n","protected":false},"author":45,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-11504","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/clubedovalor.com.br\/conteudo\/wp-json\/wp\/v2\/pages\/11504","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/clubedovalor.com.br\/conteudo\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/clubedovalor.com.br\/conteudo\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/clubedovalor.com.br\/conteudo\/wp-json\/wp\/v2\/users\/45"}],"replies":[{"embeddable":true,"href":"https:\/\/clubedovalor.com.br\/conteudo\/wp-json\/wp\/v2\/comments?post=11504"}],"version-history":[{"count":37,"href":"https:\/\/clubedovalor.com.br\/conteudo\/wp-json\/wp\/v2\/pages\/11504\/revisions"}],"predecessor-version":[{"id":11564,"href":"https:\/\/clubedovalor.com.br\/conteudo\/wp-json\/wp\/v2\/pages\/11504\/revisions\/11564"}],"wp:attachment":[{"href":"https:\/\/clubedovalor.com.br\/conteudo\/wp-json\/wp\/v2\/media?parent=11504"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}