Testei VIVER de RENDA com FUNDOS IMOBILIÁRIOS POR 7 ANOS! E esse foi o resultado…

Summary

In this video, the creator explains the strategy of using real estate investment funds (FIIs) to generate passive income. They simulate the investment of a significant capital in 2018, aiming for a steady monthly income. The script highlights the macroeconomic context of 2018, with lower interest rates influencing higher valuations in variable income assets. The simulation also factors in inflation, portfolio diversification, and reinvestment of dividends. Challenges such as the pandemic and varying dividend yields are addressed, emphasizing the importance of emergency reserves and cautious planning. The video concludes with tips on selecting funds and setting realistic expectations for future income.

Takeaways

• 😀 The importance of dividend-based investments for living off income through real estate funds (fundos imobiliários) is discussed in the simulation.
• 😀 The investor in the simulation started with a significant capital investment in 2018 but, ideally, should have invested gradually over time to manage market fluctuations.
• 😀 In 2018, Brazil's SELIC rate was at 7% annually, encouraging investments in variable income assets, whereas in 2025, the SELIC rate is 13.25%, leading to higher risk premiums and lower asset valuations.
• 😀 A lower SELIC rate in 2018 led to higher asset prices, making funds' dividend yields lower, whereas in 2025, higher interest rates have led to higher yields but lower market prices for funds.
• 😀 The investor simulated in the script invested in the largest real estate funds of 2018, focusing on a list from Economática, and considered the reality of the market at the time.
• 😀 The investor's goal was to generate a monthly income of R$ 8,000, but they aimed for a 15% higher income margin to accommodate market volatility.
• 😀 Income from dividends can fluctuate, so it’s crucial for an investor to reinvest dividends to maintain or grow their income, especially in times of economic turbulence like the 2020-2021 pandemic period.
• 😀 The investor maintained a strategy of reinvesting dividends throughout the simulation, even in periods of reduced dividend payouts, helping them recover from market dips.
• 😀 The simulation shows that inflation (with an assumed 5% annual rate) must be factored into income goals, as the purchasing power of the original R$ 8,000 decreases over time.
• 😀 Over 84 months, the investor had 16 months with negative cash flow (during the pandemic), which would require tapping into emergency reserves to cover expenses.
• 😀 The investor’s strategy led to an overall return of 65% over the period, taking into account both capital appreciation and the reinvestment of dividends, highlighting the power of compounding in real estate investments.

Q & A

What is the purpose of the simulation presented in the video?

The purpose of the simulation is to demonstrate how an investor can live off income generated by real estate investment funds (FIIs), focusing on a seven-year period from January 2018 to January 2025.

Why does the presenter emphasize the macroeconomic scenario of 2018?

The presenter emphasizes the 2018 macroeconomic scenario because the simulation assumes that the investor made a large initial investment at that time, reflecting the conditions of the market then. This context helps explain how investment decisions were shaped by the lower interest rates in 2018.

What was the interest rate in Brazil in 2018 and how did it influence investments?

In 2018, the SELIC rate was 7% per year, which was relatively low. This lower interest rate encouraged more people to invest in variable-income assets like stocks and real estate funds, as fixed-income options were not as attractive.

How did the high SELIC rate in 2025 affect the market compared to 2018?

The higher SELIC rate in 2025 (13.25% per year) made fixed-income investments more appealing, leading to a decline in the value of variable-income assets like stocks and real estate funds. As a result, these assets are undervalued, requiring higher-risk premiums for investors.

What is 'dividend yield' and how is it calculated?

'Dividend yield' is a ratio that measures the return on investment from dividends. It is calculated by dividing the total dividends distributed by a real estate fund over the last 12 months by its market price. A lower market price increases the dividend yield.

Why does the presenter suggest that an investor should avoid making a large one-time investment?

The presenter suggests that investors should avoid large one-time investments because it exposes them to market risks at a single point in time. Instead, spreading investments over time allows for better risk management, especially when market conditions fluctuate.

What was the investor's initial goal for monthly income, and how did it evolve?

The investor initially aimed for a monthly income of R$ 5,800, adjusted for inflation to R$ 7,772 by 2024. However, the investor's actual income reached R$ 6,700 in 2018, and after reinvesting dividends, this income grew, ultimately surpassing the target.

What impact did the COVID-19 pandemic have on the investor's returns?

During the pandemic, between 2020 and 2021, the investor's funds suffered a temporary decline in dividend distribution. Despite this, the funds eventually recovered, and by 2025, the investor was able to meet their income target. The period of low returns highlights the importance of having an emergency fund.

How did reinvesting dividends help the investor's portfolio grow over time?

Reinvesting dividends allowed the investor to purchase additional fund units, increasing the number of shares and, in turn, boosting the income generated. This compounding effect helped grow the investor's portfolio significantly over the seven-year period.

What was the total return of the investor's portfolio between January 2018 and January 2025?

The total return of the investor's portfolio between January 2018 and January 2025 was 65%. This return includes both the increase in asset value and the reinvestment of dividends, which compounded over time.