Os Investimentos da Bettina 5 Anos Depois do Meme
Summary
TLDRThe script narrates the story of Betina Rudolf, who five years ago claimed to have turned R$15.20 into R$1 million by investing in stocks within three years. Despite the exaggerated promises and subsequent scrutiny, an analysis shows that following her portfolio recommendations could have yielded a 7.4% annual return, outperforming the Brazilian stock market. However, it emphasizes the importance of portfolio rebalancing and warns against buying or selling stocks solely based on their performance, highlighting the unpredictable nature of investments and the impossibility of consistently achieving such high returns.
Takeaways
- 😀 Betina Rudolf, at 22, became an internet sensation by claiming to turn R$15.20 into R$1 million by investing in stocks within 3 years.
- 📈 Her initial goal was to sell the portfolio of a company she worked for, but it turned into a meme, was covered by newspapers, and even investigated by the CVM for exaggerated return promises.
- 💼 The recommended portfolio by Betina consisted of 10 stocks, with an investment of 10% of the capital in each, across seven different sectors.
- 🏦 The portfolio included companies like B3, BTG Pactual, and ITA UniBanco from the financial sector, and companies from infrastructure, petrochemical, conglomerate, tourism, fashion, and pharmaceutical sectors.
- 💹 If someone had invested R$20 in those stocks in March 2019, they would have approximately R$2,188 today, considering reinvestment of dividends, outperforming the Brazilian stock market.
- 📊 The portfolio's annual return was 7.4%, compared to the Ibovespa's 5.5%, indicating a better-than-average market performance.
- ⚖️ The script emphasizes the importance of portfolio rebalancing to maintain the initial investment proportion in each stock, which was not considered in the 7.4% return calculation.
- 📉 The BTG stock increased by 329%, while CVC fell by 96%, significantly altering the portfolio's composition from the initial 10% allocation.
- 🔄 Rebalancing the portfolio could have resulted in a much lower annual return of 4%, due to buying more of the falling stocks like CVC and selling the rising ones like BTG.
- 🚫 The script warns against buying or selling stocks based solely on their recent performance, as it's impossible to predict the market's bottom or top with certainty.
- 🌐 It acknowledges that the portfolio would likely have changed over the years, especially considering events like the 2020 pandemic, which could have influenced stock recommendations.
Q & A
Who is Betina Rudolf and what did she become famous for?
-Betina Rudolf is a young woman who went viral on the internet 5 years ago at the age of 22. She became famous for claiming to have turned R$15.20 into R$1 million by investing in stocks within just 3 years.
What was the original purpose of Betina Rudolf's video?
-The original purpose of Betina Rudolf's video was to sell the portfolio of the company she worked for, Empírico Investimentos, by showcasing her own investment success story.
How did Betina Rudolf's video impact her and the company she worked for?
-The video turned into a meme, was covered by newspapers, and even led to an investigation by the CVM (Brazilian Securities and Exchange Commission) due to the exaggerated promises of returns.
What was the composition of Betina Rudolf's recommended portfolio?
-Betina Rudolf's recommended portfolio consisted of 10 stocks from seven different sectors, with each stock representing 10% of the investment.
Which sectors were included in Betina Rudolf's portfolio?
-The sectors included infrastructure, energy and sanitation, finance, petrochemicals, conglomerates, tourism, fashion, and pharmaceuticals.
What was the outcome of investing in Betina Rudolf's recommended portfolio 5 years ago?
-If someone had invested R$20 in those stocks in March 2019, with 10% in each, they would have approximately R$2,188 today, considering reinvestment of dividends.
How did the return of Betina Rudolf's portfolio compare to the Brazilian stock market index (Ibovespa) over the same period?
-Betina Rudolf's portfolio provided a return of 7.4% per year, which is higher than the Ibovespa's return of 5.5% per year over the same period.
What is the concept of rebalancing a portfolio and why is it important?
-Rebalancing a portfolio involves adjusting the allocation of investments to maintain the desired percentage of each asset. It is important to prevent overexposure to assets that have increased in value and underexposure to those that have decreased.
What would have been the impact on the portfolio's return if it had been rebalanced?
-If the portfolio had been rebalanced, instead of having a return of 7.4% per year, the return would have been only 4% per year, which is almost half.
What is the lesson learned from the rebalancing discussion in the script?
-The lesson is to be cautious not to buy a stock just because it is falling or sell just because it is rising, as it is impossible to predict the bottom or the top of the market with certainty.
What is the conclusion about the feasibility of the promised returns in Betina Rudolf's video?
-The conclusion is that the promised returns of turning R$20 into R$1 million in 3 years were unrealistic, as no investment can consistently achieve such high returns in such a short period of time.
Outlines
📈 Betina Rudolf's Viral Investment Portfolio
In 2019, 22-year-old Betina Rudolf became an internet sensation by claiming to have turned R$15.20 into R$1 million by investing in stocks within three years. The video aimed to sell the investment portfolio she recommended from her company, Empírico. Despite controversy and an investigation by the CVM for exaggerated return promises, the video raised the question of what would have happened if someone had invested in Betina's portfolio five years ago. The recommended portfolio consisted of 10 stocks from seven different sectors, including infrastructure, finance, petrochemicals, tourism, fashion, and pharmaceuticals. If one had invested R$20 in each stock in March 2019, they would have approximately R$2,188 today, considering dividend reinvestment. This return is higher than the Brazilian stock market's return over the same period, with Betina's portfolio yielding 7.4% annually compared to the Ibovespa's 5.5%.
Mindmap
Keywords
💡Betina Rudolf
💡Viral
💡Investing in Stocks
💡Carteira de Investimentos (Investment Portfolio)
💡Setores Diversos (Diverse Sectors)
💡Ibovespa
💡Rebalanceamento (Rebalancing)
💡Dividendos (Dividends)
💡Retorno (Return)
💡Promessas Exageradas (Exaggerated Promises)
💡CVM (Comissão de Valores Mobiliários)
Highlights
Betina Rudolf, at 22 years old, went viral for claiming to turn R$15.20 into R$1 million by investing in stocks within 3 years.
The video's goal was to sell Betina's portfolio, which was recommended by the company she worked for.
The portfolio became a meme, was covered by newspapers, and even investigated by the CVM for exaggerated return promises.
Investing in Betina's recommended portfolio 5 years ago would have resulted in approximately R$2,188, considering dividend reinvestment.
The portfolio's return was higher than the Brazilian stock market's return over the same period.
Betina's portfolio had a 7.4% annual return, compared to the Ibovespa's 5.5%.
The portfolio did not consider rebalancing, which is an important aspect of investment management.
Rebalancing involves selling off portions of investments that have increased in value and buying more of those that have decreased.
If the portfolio had been rebalanced, the return would have been only 4% per year, almost half of the original return.
The BTG Pactual stock increased by 329%, while CVC's stock fell by 96%, significantly affecting the portfolio's balance.
High returns were seen in stocks like Equatorial, Alupar, and Cozan, while Brasken and Guararapis had poor returns.
The portfolio's performance was not consistent with the R$1 million promise, highlighting the unrealistic nature of such claims.
Investment methodologies should consider market fluctuations and the impossibility of predicting market tops and bottoms.
The portfolio's composition may have changed over the years, especially with events like the 2020 pandemic affecting stock recommendations.
The video also mentions an opportunity to earn up to 40% in one year by investing in fixed income.
The video serves as a cautionary tale about the risks of following investment advice without considering the broader market context.
The importance of not buying or selling stocks solely based on their current performance is emphasized.
Transcripts
há 5 anos atrás a Betina Rudolf uma
jovem de 22 anos viralizou na internet
Falando como transformou R 15.20 em R
milhão Reis e investindo em ações tudo
isso em apenas 3 anos o objetivo do
vídeo era simples vender a carteira
recomendada da empírico empresa em que
Betina trabalhava no entanto o casa
acabou virando um grande meme saiu nos
jornais e foi alvo até de investigação
da cvm pelas Promessas exageradas de
retorno do anúncio mas uma pergunta
ainda fica no final se você tivesse
investido na carteira recomendada da
Betina 5 anos atrás O que teria
acontecido com seu dinheiro a carteira
recomendada da Betina era composta por
10 ações em que você deveria colocar 10%
do seu dinheiro em cada uma na lista das
ações estavam investimentos em sete
setores diferentes infraestrutura tinham
duas empresas a alupar de geração e
transmissão de energia e Equatorial com
atuação em energia e saneamento já no
setor financeiro tinham mais três
empresas a B3 que é a Nossa Bolsa de
Valores o BTG pactual maior Banco de
Investimentos da América Latina e o ITA
Uni banco o maior banco de todo o
hemisfério sul a Betina ainda
recomendava outras C companhas de
setores diferentes a brasken empresa
petroquímica com atuação no mundo
inteiro a cozan Mega conglomerado com
atuação em açúcar etanol logística e
outros segmentos a CVC agência de
turismo ag Guararapis empresa de moda
dona da marca ruelo e por fim a hypera
farmacêutica dólar de marcas como ingov
rinosoro Benegrip neus aldin entre
outras se você tivesse investido os r$
20 nessas ações em março de 2019
colocando 10% em cada uma na época em
que toda a polêmica começou você teria
hoje aproximadamente R
2.188 isso já Considerando o
reinvestimento dos dividendos Como
podemos ver nesse gráfico isso será um
retorno maior do que o retorno da bolsa
brasileira no mesmo período enquanto a
carteira da Betina deu um retorno de 7,4
ao ano o Ibovespa que representa a bolsa
brasileira teria dado apenas 5,5 ao ano
Então apesar de não ser um retorno
magnífico e de você não ter ficado
Milionário em três anos igual o anúncio
dava a entender se você tivesse seguido
a recomendação la Betina você teria
conseguido sim um resultado Acima da
média de mercado um ponto importante é
que esse retorno da carteira não
considera rebalanceamento para explicar
como funcionam os rebalanceamento deixa
eu dar um exemplo Digamos que você tenha
duas ações na sua carteira uma chamada
se inscreva no canal e a outra chamada
de like ambas compradas a r$ 1
inicialmente você teria 50% investido em
cada ação então sua carteira toda valia
R 20 agora Digamos que daqui a um mês a
se inscreva no canal se Valorize e passe
a valer r$ 2 enquanto a de o like
continue valendo apenas R 10 logo a sua
carteira agora vale R 30 e a ação que
valorizou representaria 23 do seu
dinheiro enquanto a outra representaria
1/3 para você conseguir manter a
proporção inicial de 50% em cada uma
você teria que vender as ações da se
inscreva no canal que se valorizou e
comprar mais ações da de like que
continuou no mesmo preço voltando pro
caso da Betina as ações do BTG
valorizaram 329 por no período e
passaram a representar cerca de 30% da
carteira hoje enquanto as ações da CVC
caíram 96% passando a representar apenas
0,2 da carteira total na data de hoje
muito diferente dos 10% iniciais outros
nomes como é com Equatorial alupar e
cozan também tiveram retornos bem altos
enquanto brasken e Guararapis tiveram
retornos muito ruins se ao invés de ter
comprado as ações recomendados pela
Betina em 2019 e mantido elas até hoje
você tivesse rebalancear a sua carteira
de investimento O que teria acontecido
ao invés de ter um retorno de 7,4 ao ano
você ter um retorno de apenas 4% ao ano
quase a metade isso acontece pois você
estaria comprando ações que caíram cada
vez mais ao longo do tempo como a CVC e
vendendo ações como o BTG que estavam
subindo aqui temos uma lição importante
a rebalancear sua carteira Tome o
cuidado de não comprar uma ação apenas
porque ela está caindo ou vender apenas
porque ela subiu Pois é impossível saber
com certeza Onde está o fundo e onde
está o topo é claro que isso não passa
de um exercício de simulação até porque
é provável que a carteira recomendada
pela Betina fosse mudando ao longo dos
anos em 2020 quando tivemos a pandemia
Pode ser que ela recomendasse vender a
CVC e agora a raps que claramente
estavam sendo muito afetados pelos
lockdowns assim como ela poderia acabar
recomendando vender as ações do BTG por
achar que ela já teriam subido muito é
impossível saber com certe o fato é que
independente da metodologia o valor
acumulado ao final desses 5 anos ficou
bem longe dos R milhão de reais
prometidos e é óbvio que isso acontecer
porque não tem nenhum tipo de
investimento que consistentemente
transforme r$ 20 em R 1 milhão deais em
3 anos nem jogo do bicho sai de apostas
o jogo do Tigrinho dá esse nível de
retorno agora isso não quer dizer que
não seja possível ter retornos muito
altos investindo como por exemplo nesse
vídeo que está aparecendo na sua tela em
que eu falo sobre uma oportunidade de
ganhar até 40% em apenas um ano
investindo em renda fixa se você quiser
saber mais é só clicar no card que eu já
te vejo em alguns instantes
Weitere ähnliche Videos ansehen
40 LAKH "WELL DIVERSIFIED PORTFOLIO" REVIEW 🔴🔴 LONG TERM PORTFOLIO STOCKS 🔴🔴 INVEST IN INDIA 🇮🇳
Odd Lots Team on the Return of the Meme Trade
Will The Fed Rate Cut Trigger a Stock Market Surge? (Let Me Show You)
7 Stocks With Cosmic Potential - MOON SHOTS - Millionaire Maker
Perjalanan 500jt ke 100 Miliar dalam 4 Tahun
The Investment Opportunity Of A Lifetime Starts Today
5.0 / 5 (0 votes)