😱 Bug na Nubank Permite Saques de R$1.000 Sem Limite! Entenda o Que Está Rolando!

Summary

In this video, the creator provides an update on their investment portfolio, detailing the effects of a market downturn, with a focus on stocks, real estate funds, and cryptocurrency investments. Despite a negative market impact, dividends have helped maintain positive returns. The creator also addresses a significant bug with Nubank’s platform, allowing users to withdraw money beyond their credit limits, which led to widespread controversy. The video emphasizes diversification, the importance of dividends in tough times, and offers advice on using promotional codes for cryptocurrency platforms to maximize returns.

Takeaways

• 😀 Nubank is experiencing a major bug allowing some customers to withdraw money beyond their credit limit, potentially leading to debt and high interest charges (9.75% per month).
• 😀 Despite the market's downturn due to a 11.25% interest rate hike, the creator's portfolio remains positive thanks to dividends.
• 😀 The creator is diversifying their portfolio by investing in stocks, real estate funds (FII), cryptocurrencies, and fixed income, aiming for more balanced growth.
• 😀 The creator's stock portfolio includes Taesa, Banco do Brasil, and Vale, with an emphasis on adding more shares in the coming week.
• 😀 Real estate funds (FII) have been struggling, especially DEVA11 and BRCR11, but the creator holds onto these investments for their long-term potential.
• 😀 The creator is testing cryptocurrency investments, starting with small amounts in Bitcoin through Coinbase and plans to add more regularly.
• 😀 The creator’s goal is to reach R$10,000 in their fixed income investments, with R$700 invested so far in Nubank’s CDI account.
• 😀 The creator is using a dollar-cost averaging strategy for cryptocurrencies, buying small amounts of Bitcoin when possible.
• 😀 The creator recommends using promotional referral codes to earn cashback and bonuses, including for Coinbase (R$2 in Bitcoin) and Nomad (up to R$20 cashback).
• 😀 The overall investment strategy is focused on diversification, with plans to continue investing in real estate funds, international ETFs, and more to grow the portfolio.

Q & A

What major issue did the YouTuber discuss regarding Nubank?

The YouTuber discussed a technical bug in Nubank's system that allowed customers to withdraw money from their credit cards without having any available credit, leading to concerns about future charges and the potential for high-interest debt.

What impact did the SELIC rate increase have on the YouTuber's investment portfolio?

The increase in the SELIC rate to 11.25% negatively affected the portfolio, but the YouTuber explained that the market had already been adjusting before the official announcement, preventing a larger impact.

Why does the YouTuber believe dividends are important for an investment portfolio?

The YouTuber emphasized that dividends can help mitigate market downturns, as they provide consistent returns even when the overall market is struggling, ensuring the portfolio remains positive in terms of profitability.

What are the risks associated with withdrawing money from a Nubank credit card, according to the YouTuber?

Withdrawing money from a Nubank credit card is highly risky due to the high-interest rates of 9.75% per month. If not paid back promptly, the borrower could face significant debt and damage to their credit score.

How does the YouTuber plan to diversify their investment portfolio?

The YouTuber is diversifying their portfolio by investing in stocks, real estate funds, cryptocurrencies, and international assets. They also plan to continue building their cryptocurrency portfolio with Bitcoin and increase investments in international markets.

What is the YouTuber's strategy for investing in cryptocurrency?

The YouTuber has started with small investments in Bitcoin via Coinbase, testing out the platform with minimal amounts. The plan is to regularly invest small amounts whenever there is extra money available, treating it like a 'piggy bank' for Bitcoin.

What is the YouTuber's current situation with real estate funds in their portfolio?

The YouTuber's real estate funds have been performing poorly, with some funds experiencing significant drops in value. Despite this, dividends from the funds have helped offset the losses. They continue to monitor the funds and adjust their strategy accordingly.

What specific real estate fund had the biggest loss in the YouTuber's portfolio?

The real estate fund Deva 11 suffered the biggest loss in the YouTuber's portfolio, with a 47% decline in value. Despite this, the YouTuber has decided to hold onto the fund as a long-term investment.

How does the YouTuber plan to continue contributing to their portfolio moving forward?

The YouTuber plans to make regular contributions, including a minimum of R$ 800 in stock investments each month. They also aim to keep diversifying their portfolio to ensure balanced risk and growth potential.

What promotional offers did the YouTuber share with their viewers?

The YouTuber shared two promotional offers: a code for $2 in Bitcoin on Coinbase (code BTC2) and a cashback offer for new users on the Nomad platform (code Abel 20), encouraging viewers to take advantage of these offers when investing in cryptocurrency or international assets.