3 ETFs QUE PAGAM RENDA MENSAL EM DÓLAR

Summary

This video explores three U.S.-listed ETFs that pay monthly dividends in dollars, offering Brazilian investors a way to protect their purchasing power amid the devaluation of the real. The ETFs discussed include SPHD (high-dividend S&P 500 stocks), TLT (long-term U.S. Treasury bonds), and JEPI (actively managed equity premium income). Each ETF offers distinct benefits, from stable bond income to higher-yielding stock dividends. The video also guides viewers on how to invest in these ETFs using platforms like Nômade, highlighting the advantages of dollar-denominated assets despite taxes on U.S. dividends.

Takeaways

• 😀 Investing in monthly dividend ETFs in dollars is highly beneficial, especially with the current high dollar exchange rates.
• 💰 Since 1994, the value of the Brazilian Real has depreciated by over 83%, reducing purchasing power significantly.
• 🐓 A simple example: in 1994, R$1,000 would have bought 1,000 kg of chicken; today it only buys 122 kg, demonstrating the loss in purchasing power of the Real.
• 🌎 Diversifying investments by holding US dollar-denominated assets is a smart strategy to preserve purchasing power and ensure capital growth.
• 📊 SPHD, an ETF from Invesco, invests in the 50 highest dividend-paying companies in the US, providing consistent monthly dividends.
• 💵 The SPHD ETF pays $0.13 per share each month, with investors receiving more based on the number of shares they own.
• 📅 To receive the next monthly dividend from SPHD, investors must buy shares before the 18th of December, as dividends are paid around the 22nd of each month.
• 📉 Over the past 5 years, SPHD has delivered a 17% growth in USD value, which is relatively high for a dividend-focused ETF.
• 📝 TLT, another monthly dividend ETF, invests in US government bonds and has a stable but less volatile performance. It pays $0.19 per share each month.
• 💡 Investing through platforms like Nômade allows for lower fees and convenient access to international investments, with bonuses like cashback on the first transfer.
• 🎯 JEPI, a third ETF in the video, is actively managed and selects stocks based on a team of analysts. It has a higher dividend payout, averaging $0.40 per share per month.
• 💸 JEPI's dividend payments can vary based on market performance, as it actively buys and sells stocks to maximize returns, unlike passive ETFs.
• 💼 Even with tax deductions (30% withholding tax on US dividends), investing in US dollar assets is a valuable way to grow wealth and hedge against currency devaluation in Brazil.
• 📈 Over the last five years, JEPI saw a 19% growth in USD value, showing it outperforms typical bond ETFs and offers both growth and dividend income.
• 📚 The video encourages building a diversified portfolio, including international assets, to secure financial future by investing in dollar-based assets.

Q & A

What are dividend ETFs and why are they beneficial?

Dividend ETFs are investment funds that hold a portfolio of stocks or bonds that pay dividends. They are beneficial because they provide regular income through monthly dividend payouts, allowing investors to earn passive income. Additionally, when denominated in USD, they offer protection against inflation and currency devaluation, especially in countries with volatile currencies like Brazil.

What is the significance of the US Dollar in the context of investment?

The US Dollar is a strong and stable currency compared to many other global currencies, especially emerging market currencies like the Brazilian Real. Over time, holding investments in USD can protect the purchasing power of capital, as shown by the historical example where BRL has lost 83% of its value since 1994.

How does the SPHD ETF work and what makes it attractive to investors?

The SPHD ETF, managed by Invesco, invests in the 50 highest dividend-paying companies from the S&P 500. It is attractive to investors looking for reliable monthly income from stable, high-dividend companies. It provides monthly payouts, and as a diversified fund, it mitigates the risk associated with individual stocks.

What are the main risks associated with investing in dividend ETFs like SPHD?

The main risks include market risk (if the stock prices of the companies within the ETF decline), interest rate risk (if rates rise and affect dividend-paying stocks), and currency risk (if the USD weakens relative to your home currency). Additionally, dividend payouts are not guaranteed and can be reduced or stopped depending on the performance of the underlying assets.

How is the payout calculated for SPHD and what is the dividend distribution pattern?

For SPHD, the dividend payout is calculated based on the number of shares an investor holds. The ETF pays out a fixed dividend per share monthly. For example, with 100 shares, an investor would receive approximately $13 per month. Payments are made around the 18th to the 22nd of each month, and investors must buy shares before the 'ex-dividend date' to qualify for the next payout.

What is the role of the TLT ETF and how does it differ from dividend stock ETFs?

The TLT ETF is focused on investing in U.S. government bonds, specifically long-term Treasury securities. Unlike dividend stock ETFs, which rely on corporate dividends, TLT provides a steady income from bond interest payments. This makes it a safer, more stable investment, but it tends to offer lower returns in terms of dividend payouts compared to stock-based ETFs.

What is the typical yield for the TLT ETF and why might investors choose it?

The TLT ETF provides consistent monthly dividends, though these dividends tend to be smaller than those from stock-based ETFs. Investors may choose TLT for its stability and relatively low risk, particularly during times of market volatility, as U.S. government bonds are considered one of the safest investment vehicles.

How can investors purchase international ETFs like SPHD or TLT in Brazil?

Investors in Brazil can purchase international ETFs like SPHD or TLT through platforms such as Nomad, which allows for cross-border investing. After opening an account and transferring funds to USD, investors can directly buy ETFs through the platform. It’s important to account for exchange rates, transaction fees, and tax implications when purchasing these funds.

What is the impact of currency exchange rates on dividends from international ETFs?

Currency exchange rates can significantly affect the value of dividends received from international ETFs. When dividends are paid in USD and the BRL weakens, the value of the dividends in Brazilian Reais increases, benefiting Brazilian investors. However, if the BRL strengthens, the opposite effect occurs, reducing the value of the dividends in local currency.

What are the tax implications for Brazilian investors receiving dividends from US-based ETFs?

Brazilian investors are subject to a 30% withholding tax on dividends paid by US-based ETFs. This tax is automatically deducted before the dividends are credited to the investor's account. However, Brazilian tax law allows for tax credits or deductions to offset some of this tax, depending on the investor’s overall tax situation.