O TRISTE FIM do Brasileiro que Investe na POUPANÇA

Summary

In this video, William Ribeiro addresses why many Brazilians still choose to keep their money in savings accounts despite better options available. He explains how the savings account, although perceived as safe, offers poor returns compared to other investment options like Tesouro Selic and CDBs. He also highlights the dangers of high-risk investments, such as financial pyramids and get-rich-quick schemes. Ribeiro emphasizes the importance of strategic, long-term investing and encourages viewers to diversify their investments, even globally, for better financial growth and protection.

Takeaways

• 😀 Savings accounts (poupança) are not the best option for growing wealth despite their perceived security and convenience.
• 💸 Tesouro Selic is a safer and more profitable investment compared to poupança, backed by the Brazilian government instead of just the FGC insurance.
• 📉 Poupança’s returns are low and can be as low as 0.8% annually, while Tesouro Selic and CDBs offer much higher yields.
• 🔒 While savings accounts seem like a secure choice, the actual protection is limited, and investors could lose money if they have more than R$ 250,000 in the bank.
• 💡 The economic reality shows that investing in CDBs and Tesouro Selic can yield much higher returns, with examples demonstrating a 38% better return than poupança in real terms.
• 💰 Many Brazilians invest in the savings account out of habit, convenience, and psychological biases like the 'familiarity bias,' which leads to a false sense of security.
• 🚫 The temptation of high-risk investments like pyramid schemes, day trading, and cryptocurrency scams is often fueled by people seeking quick wealth.
• 📊 Historical performance shows that the Brazilian economy has not grown as much as others, with the U.S. market showing significantly better results in the last decade.
• 🌎 International diversification, particularly in U.S. stocks, offers a much higher growth potential and is a safer long-term strategy.
• 🚀 By investing internationally and utilizing platforms like ETFs and REITs, individuals can gain exposure to the global market without leaving Brazil.
• 📚 Educating oneself on finance and adopting a long-term investment strategy can help break free from poor financial habits like keeping money in poupança or chasing unrealistic quick returns.

Q & A

Why do many Brazilians continue to put money in savings accounts (poupança)?

Many Brazilians keep their money in savings accounts because they believe it's a safe and easy option, despite it yielding lower returns compared to other investment vehicles like Tesouro Selic or CDBs.

What is the difference in safety between poupança and Tesouro Selic?

Tesouro Selic is considered safer than poupança because it's backed by the Brazilian government. Poupança is protected by the Fundo Garantidor de Crédito (FGC) up to a limit of R$250,000 per person per institution, but Tesouro Selic is guaranteed by the federal government, making it less risky.

How does the return on poupança compare to other investment options?

The return on poupança is significantly lower compared to other investments. While the poupança can yield as little as 0.8% a year, investments like Tesouro Selic or CDBs can offer returns as high as 13-15% annually.

What is the TR (Taxa Referencial) and why is it important in the context of savings accounts?

The TR (Taxa Referencial) is a reference rate used to calculate the return on savings accounts. It's historically been low, and its utility has diminished, yet it still impacts the return on poupança, which is indexed to it.

What makes the CDB a better option than poupança?

CDBs generally offer higher returns compared to poupança. For example, a CDB with 100% of the CDI can offer a return of 13.15% annually, while poupança offers far less, especially when the Selic rate is high.

Why do people still choose poupança despite its lower returns?

People often choose poupança because of psychological biases like familiarity (they are accustomed to it), inertia (avoiding change), and a false sense of security. These biases lead them to stick with it, even if it results in lost opportunities.

What is the psychological reason behind people's tendency to invest in risky schemes like pyramids or day trading?

People are influenced by biases such as authority (trusting influencers), groupthink (following the crowd), and loss aversion (fear of missing out). These biases make them prone to risky and fraudulent investments, despite the high chances of losing money.

How does Brazil's economic performance compare to other countries like the US?

Over the last few decades, Brazil's economy has underperformed compared to the US. The Brazilian Real lost 85% of its value in 30 years, while inflation in Brazil was much higher than in the US. The S&P 500 index grew 465% since 2010, while the Ibovespa (Brazil's main index) grew only 88%.

What are the advantages of investing internationally, according to the video?

Investing internationally allows for portfolio diversification and better protection against local economic instability. The video suggests investing in global markets like the US, where companies are more valuable, and returns have historically been higher.

What advice is given for people who want to grow their wealth in a more secure and sustainable way?

The video advises people to invest with a long-term strategy, avoiding both the false security of savings accounts and the risky allure of quick-money schemes. Diversifying investments, including international options, and considering global markets are key to sustainable financial growth.