MONTANDO UMA CARTEIRA DE INVESTIMENTOS DO ZERO | COMEÇANDO COM R$ 200 REAIS #01

Summary

This video provides a step-by-step guide to starting investments with a focus on fixed-income products (CDBs) and real estate investment funds (FIIs). The presenter walks through adding a Banco Inter CDB to a portfolio and selecting five diversified, affordable FIIs. The video highlights the importance of patience and long-term strategy, showing how to track investments using a personalized spreadsheet. Viewers are encouraged to share the video and make use of downloadable resources to help manage their own financial journey.

Takeaways

• 😀 Learn how to use an investment platform to track and manage investments in fixed-income products like CDBs and Real Estate Investment Funds (FIIs).
• 😀 The video provides a step-by-step guide on how to allocate funds across different investment options, such as CDBs and FIIs.
• 😀 You can easily add and manage different assets, like CDBs and FIIs, on the platform, keeping track of your portfolio's performance.
• 😀 It's essential to diversify your investments. The narrator uses a mix of five different FIIs to showcase portfolio diversification.
• 😀 Fixed-income investments like CDBs yield returns based on the CDI rate, providing consistent growth in the long term.
• 😀 Real Estate Investment Funds (FIIs) are a popular choice for income generation through dividends, especially in sectors like logistics, real estate, and agribusiness.
• 😀 The video explains how to invest in affordable FIIs costing less than R$ 10 each, which are suitable for beginners.
• 😀 The narrator highlights the importance of long-term investing, as dividends for FIIs are received after a month or more from the initial investment.
• 😀 To track your investments, the video demonstrates how to use a downloadable spreadsheet and upload it to Google Drive for easy editing and monitoring.
• 😀 The video encourages viewers to share the content with others to help build a financial education community and spread the knowledge of smart investing strategies.
• 😀 It is emphasized that this guide is for educational purposes, and viewers should not consider it as direct investment advice.

Q & A

What is the primary goal of the investments in the script?

The primary goal of the investments is long-term growth, with a focus on building a diversified portfolio that includes fixed-income CDBs and Real Estate Investment Funds (FIIs) to generate passive income and increase overall wealth.

How does the investor use the Banco Inter platform for investments?

The investor uses the Banco Inter platform to purchase CDBs, selecting options such as post-fixed CDBs tied to the CDI rate, and setting a long-term maturity date to avoid constant management of the funds.

Why are CDBs chosen as part of the investment strategy?

CDBs are chosen because they offer a fixed return tied to the CDI rate, providing stable and predictable income over a long period, which complements the overall goal of a balanced, low-risk portfolio.

What are the key characteristics of the Real Estate Investment Funds (FIIs) selected in the video?

The selected FIIs are all under R$10 per share, ensuring affordability and diversification. They cover various real estate sectors, including paper-based funds (e.g., BTC e11), hybrid funds (e.g., VG HF11), and those specializing in logistics (e.g., GALG11) and corporate properties (e.g., DIV11).

Why does the investor prefer hybrid funds like VG HF11?

Hybrid funds like VG HF11 are preferred because they offer diversification by investing in multiple sectors of the real estate market, including real estate-backed securities (CRIs) and stocks of construction companies, which provides broader exposure and potential for higher returns.

What is the benefit of investing in corporate properties, like those in DIV11?

Investing in corporate properties, such as those owned by DIV11 (like the Rede Globo building in São Paulo), provides exposure to high-quality real estate assets that have strong demand and stability, ensuring steady rental income and long-term value preservation.

What are the steps involved in purchasing these FIIs using the platform?

The steps to purchase the FIIs include accessing the 'Ações Brasileiras' section, searching for the desired fund, confirming the number of shares to buy (e.g., two shares per fund), and finalizing the transaction. Afterward, the investor updates their portfolio in the platform's tracking tool.

How does the investor track and manage their investments over time?

The investor tracks and manages their investments by using a portfolio management tool like Investidor10, which allows them to monitor asset performance, see portfolio diversification, and track dividends from FIIs as they are paid out.

What is the expected dividend schedule for the selected FIIs?

The expected dividend payments from the selected FIIs will begin in the month following the investment. Since the purchases are made in September, the first dividend payout will be in October, typically on a monthly basis thereafter.

How can viewers access and use the portfolio tracking spreadsheet shared in the video?

Viewers can access the portfolio tracking spreadsheet by clicking the provided link in the video description. They should download the file to their device, then upload it to Google Drive to edit and track their own investments, ensuring they can personalize the portfolio tracking process.