(Revelado) Minha Carteira de Investimentos | O racional completo por trás da minha estratégia

Summary

The speaker shares his investment strategy, emphasizing the importance of understanding one's unique investor profile and goals. He highlights the need for a diversified portfolio, focusing on a mix of ETFs, regional and sectorial ETFs, and a small percentage of individual stocks. He advocates for regular investments, using a spreadsheet to manage and balance the portfolio, and stresses the significance of long-term planning and a disciplined approach to investing.

Takeaways

• 📈 The speaker emphasizes the importance of having a well-structured investment strategy and not just copying someone else's portfolio due to individual differences in financial situations and risk tolerance.
• 💡 The speaker is excited to share their investment strategy transparently, despite never having done so before with followers or clients.
• 🚫 The speaker refrains from recommending specific assets or个股 (individual stocks) online due to licensing restrictions and the belief that it's more harmful than beneficial for viewers.
• 🤔 The speaker stresses that a high-quality investment strategy is built on understanding the individual investor's profile, including their history, risk tolerance, and personal circumstances.
• 🛠️ Before investing, it's crucial to establish an emergency fund and adequate insurance to protect against unforeseen risks.
• 🎯 The speaker outlines their personal financial goals, which include early retirement, providing the best education for their children, and ensuring their parents' comfort.
• 📊 The speaker's investment portfolio is heavily weighted towards variable income (98%) with a focus on the United States market and a small percentage in alternatives like cryptocurrencies.
• 🌐 The geographical distribution of the portfolio is detailed, with the majority in the United States, followed by developed and emerging markets.
• 🔄 The speaker advocates for simplicity in investment choices, using a mix of broad ETFs, regional and sectoral ETFs, and a small portion in individual stocks.
• 📉 The speaker has reduced their individual stock picking over time, recognizing the inefficiency and stress associated with it compared to a more passive and diversified approach.
• 💰 A consistent investment approach is recommended, with a set percentage of monthly income directed towards investments before other expenses.

Q & A

What is the main reason the speaker decided not to reveal specific investment positions?

The speaker chose not to reveal specific investment positions because he cannot make recommendations over the internet due to licensing requirements and the belief that disclosing such information could be more harmful than beneficial to the audience, as each investor has a unique profile and situation.

What is the significance of having a well-structured investment strategy?

A well-structured investment strategy is crucial as it is tailored to an individual's specific needs, risk tolerance, and financial goals. It helps investors navigate market fluctuations and crises with confidence and understanding, ensuring that their investments align with their long-term objectives.

What are the two important steps the speaker mentions that some people tend to forget before investing?

The two important steps mentioned are building an emergency fund to cover unexpected expenses without disrupting the investment strategy, and protecting oneself from the risk of ruin by having adequate insurance coverage, such as life and health insurance.

How does the speaker categorize investment objectives?

The speaker categorizes investment objectives into essential, important, and desirable. This classification helps in allocating investments to different goals based on their importance, timeline, and flexibility in an individual's life.

What are the speaker's three essential financial goals?

The speaker's three essential financial goals are to retire with a sustainable monthly income of a certain amount by the age of 50, to ensure the best possible education for their children, and to provide financial comfort for their parents.

What is the speaker's investment profile?

The speaker's investment profile is aggressive with a long-term horizon. They have a good understanding of investments, a strong stomach for risk and volatility, and have reacted well to crises in the past.

How does the speaker distribute their investment portfolio geographically?

The speaker's portfolio is distributed with 72% in the United States, 14% in developed markets, 12% in emerging markets, and 2% in cryptocurrencies.

What types of assets does the speaker use to build their exposure?

The speaker uses a combination of broad and regional/sector ETFs, individual stocks, and derivatives to build their exposure. They have simplified their approach over time, reducing the percentage of individual stocks in their portfolio.

How does the speaker decide on the size and frequency of their investments?

The speaker invests a fixed percentage of their income each month, specifically 15% as a minimum, and sometimes an additional 10-15% based on their financial comfort level. They follow a spreadsheet that guides them on how much to invest in each asset class.

What is the speaker's view on stock picking?

The speaker has reduced their involvement in stock picking over time, as they found it to be inefficient and time-consuming. They believe that a simple and passive portfolio can often yield better results than one with complex individual stock selections.

What advice does the speaker give to investors regarding the regularity of investments?

The speaker advises investors to consistently make regular investments, or 'aportes', every month. They emphasize the importance of following a disciplined strategy and using tools like a spreadsheet to guide investment decisions, which can lead to significant long-term results with minimal effort.