Como GANHAR DINHEIRO Sendo Menor de Idade Investindo - Passo a Passo (GUIA COMPLETO)

Summary

This video offers a comprehensive guide for minors looking to start investing and make money, even with limited funds. The presenter shares their personal journey, revealing how they became a millionaire at 20 by starting at 16. The video covers the essentials: opening a digital bank account, choosing a stockbroker, and beginning with as little as R$1. The speaker introduces several investment options, like daily liquidity CDBs and IVVB11, emphasizing the power of compound interest. Additionally, they highlight the importance of financial education, encouraging young viewers to invest and learn early to achieve financial independence.

Takeaways

• 😀 Start investing early, even as a minor, and you can begin making money with as little as R$1.
• 😀 To start investing, you need three things: a digital bank account, a brokerage account, and at least R$1 to invest.
• 😀 Many digital banks like Banco Inter, PicPay, Mercado Pago, and Nubank accept minors, allowing you to open an account easily and for free.
• 😀 Minors can open brokerage accounts with firms like Rico and Clear to invest, or use digital banks that offer investment options directly.
• 😀 Daily liquidity CDB is a great investment for beginners, offering interest of around 14.15% per year, with the ability to withdraw funds at any time.
• 😀 IVVB11 is another recommended investment option, offering exposure to the top 500 U.S. companies, and it can be purchased for less than R$350.
• 😀 Compound interest is the key to wealth building; starting to invest early allows your money to grow exponentially over time.
• 😀 By consistently investing R$300 per month for 35 years, you could end up with over R$1.6 million due to compound interest.
• 😀 Starting at a young age with even small amounts can set you up for financial independence, as your money will continue to earn over time.
• 😀 The mindset of learning about money and investing early is crucial, as it gives you the tools to achieve financial freedom, regardless of what your peers might say.

Q & A

What is the main point of the video?

The video is aimed at educating minors about how they can start investing and making money, even with limited funds, using digital platforms and simple investment strategies.

Can minors really start investing without parental consent?

Yes, many digital banks and brokerages accept minors and allow them to open accounts without requiring parental visits to a branch. Some banks even provide fully digital account setups.

What are the first steps for minors who want to start investing?

The first step is to open a digital bank account, followed by opening an account with a brokerage firm, and having at least R$1 to start investing. Some banks may even offer investment options directly through their platform.

Which banks and brokerages accept minors in Brazil?

Banks like Banco Inter, PicPay, Mercado Pago, Yellow C6, and Nubank accept minors, as well as brokerages like Rico and Clear.

What is a daily liquidity CDB and why is it recommended for minors?

A daily liquidity CDB is a type of investment where you lend money to a bank and earn interest in return. It is highly recommended for minors because it allows you to access your funds anytime, with low minimum investment requirements (starting from R$1).

What is IVVB11 and why is it a good investment for minors?

IVVB11 is an investment fund that tracks the performance of the S&P 500, investing in the 500 largest companies in the United States, such as Apple, Amazon, and Google. It's considered a safer and profitable investment, with the added benefit of being priced in dollars.

How much money do I need to start investing in IVVB11?

You can start investing in IVVB11 with less than R$350.

What is compound interest and why is it important for early investors?

Compound interest is the concept where the interest earned on an investment is reinvested, allowing it to generate more interest over time. It's crucial for early investors because the earlier you start, the more your money can grow exponentially over time.

How can a minor benefit from starting to invest early?

Starting early allows a minor to take advantage of compound interest, meaning their money will grow for a longer period. For example, by investing R$300 per month for 35 years, a minor could end up with R$1.6 million.

What is the SPV program and how can it help me make money online?

The SPV (Strategic Product for Virtual Sales) program is a training course that teaches strategies to make money online by making your first sale. It requires an investment of just R$19, and the program claims to offer quick and effective tips to help beginners succeed in online sales.