Como as Corretoras de Investimentos Ganham Dinheiro?

Summary

In this video, Danilo Silva, a financial educator and investment consultant, explains how brokers make money without directly charging clients for investing in products like government bonds, CDBs, or stocks. He covers hidden revenue streams, including the float (unused funds left in accounts), the spread (differences in interest rates between what brokers receive and offer), and commissions from investment funds. He also touches on the small compensation brokers get from government bonds, which is less significant. Danilo invites viewers, especially beginners, to join his training program to build investment skills and grow their portfolios.

Takeaways

• 😀 Brokers can earn money without charging fees for clients to invest in products like Treasury Direct, CDB, and even stocks. This might seem puzzling, but there are hidden ways brokers generate revenue.
• 😀 The video explains how brokers make money, despite not charging directly for investments like funds and stock trading.
• 😀 The host, Danilo Silva, introduces himself as a financial educator and investment consultant, offering valuable financial content on his channel.
• 😀 The importance of subscribing to the channel is emphasized, highlighting the benefits of staying updated with valuable investment insights.
• 😀 Danilo invites beginners to check out his training program for first-time investors, which promises to take them from zero knowledge to advanced investing strategies.
• 😀 Brokers typically make money through methods like ‘float’, which refers to money left idle in accounts. Brokers can use this idle money to earn short-term returns by lending it out for a day.
• 😀 ‘Float’ income is not the most reliable, as clients can withdraw their funds at any time, but it still generates a significant portion of a broker’s revenue.
• 😀 The second way brokers make money is through the ‘spread’. This refers to the difference between the rate brokers receive for an investment (e.g., CDBs) and the rate they offer to clients.
• 😀 The spread works like this: brokers might offer a CDB at 120% of the CDI rate to clients while receiving 125% from the bank. The difference is the broker's profit.
• 😀 Brokers also earn money from ‘rebates’ or commissions through investments in funds. When brokers bring in funds for third-party managers, they receive a cut of the commission, sometimes even sharing part of it with clients.
• 😀 A fourth potential income stream comes from Treasury Direct, where brokers receive a small fee per investor they sign up. However, this fee is minimal compared to other methods.
• 😀 The script encourages viewers to engage with the content through likes, comments, and shares, increasing the visibility of the video on YouTube.
• 😀 Throughout the video, Danilo emphasizes that while brokers have several ways to make money, they should always strive to provide valuable opportunities for clients to invest wisely.

Q & A

How do brokers make money if they don't charge fees for investments like Treasury Direct, CDBs, LCIs, LCAs, and stocks?

Brokers make money through several indirect methods, including using idle funds (float), charging a spread on investments, and earning commission from investment funds.

What is the float method that brokers use to generate revenue?

Float refers to the money that investors leave idle in their brokerage accounts. Brokers can use these funds for short-term operations like overnight lending, earning interest (like a daily CDI), which contributes to their revenue.

How does the spread method work for brokers to make money?

The spread occurs when brokers offer an investment at a lower rate than they receive from the issuer. For example, a broker might offer a CDB paying 120% of the CDI, while the issuer is paying the broker 125%. The broker keeps the difference as profit.

Can you explain the concept of the spread in terms of fixed-rate investments?

When dealing with fixed-rate investments like CDBs, a broker might receive a higher rate from the bank but offer a slightly lower rate to the investor. The difference between these rates, or the spread, is the broker's profit.

What role do investment funds play in how brokers make money?

Brokers earn commission through a rebate when investors buy funds listed on their platforms. The fund manager provides a commission to the broker for bringing in investors. The broker may share some of this rebate with the client.

How do brokers benefit from recommending Treasury Direct investments?

While Treasury Direct may pay a small, fixed fee per investor, it's not a significant revenue source for brokers compared to other methods like float or spread. This is why brokers often encourage clients to move funds into higher-yielding investments, like CDBs, instead.

What is a common tactic brokers use when clients have idle funds in their accounts?

Brokers often contact clients with idle funds, encouraging them to invest those funds in various products like government bonds, stocks, or mutual funds, as this generates more revenue for the broker.

Why do brokers push clients to invest in CDBs, LCIs, and other investment products?

Brokers encourage investments in these products because they can earn higher returns through the spread and commissions compared to keeping funds idle in the client's account.

How does a broker earn money from the float if a client has a large sum of idle funds?

When clients have large sums of money sitting in their accounts, brokers can lend these funds for short-term operations and earn interest on them, contributing significantly to their revenue.

What are the potential drawbacks for brokers using the float method for generating income?

The float method is not guaranteed income because clients can withdraw their funds at any time, which means brokers cannot rely on it for long-term revenue generation.