Método LAR - Consultoria

Summary

In this video, Daniel Cops, an expert in consortiums with over 7 years of experience, explains how to invest in consortiums intelligently. He discusses the three ways to purchase an asset: cash, financed, and consortium. He argues that consortium is the most strategic and cost-effective method, especially for real estate. Daniel outlines the benefits of participating in a consortium, including potential profits from selling your share after being selected, or using the credit for future investments. He emphasizes the importance of planning and the potential for significant returns, positioning consortiums as a secure investment tool.

Takeaways

• 😀 Daniel Cops is an experienced professional in the consortium market, with over 7 years of experience.
• 🏢 Daniel's company operates in Rio Grande do Sul, Santa Catarina, and all of Brazil, with international operations in England.
• 💼 The company specializes in managing a portfolio of over half a billion in commercial credit.
• 🏠 When buying a good, there are three options: cash, financed, or consortium.
• 💵 Buying a good for cash is not always wise as it takes money out of potentially more profitable investments.
• 🏦 Financing can be expensive, especially without proper planning, as it often involves paying high interest rates.
• 🤝 Consortium is presented as the best planned purchase alternative, especially in real estate, with an average tax of 20% over the credit taken.
• 🚗 For vehicles, the consortium involves an administration fee of 12% to 15%.
• 📈 Consortium can be a profitable investment tool, offering the possibility of selling one's share at a profit after being drawn in the consortium.
• 💰 By participating in the consortium, one can earn a return on the credit that has been drawn but not utilized, with administrators paying around 0.8% to 0.9% per month on the unused credit.
• 🔍 The 'Lar Method' is introduced as a strategy to profit, increase assets, and earn interest at any time one is drawn in the consortium.

Q & A

What is the main topic of the video?

The main topic of the video is about how to use consórcio (a type of investment scheme) intelligently, with the presenter sharing insights and strategies for investing in consórcio.

Who is the presenter of the video?

The presenter of the video is Daniel Cops, who has been active in the consórcio market for about 7 years.

What are the three ways to buy a good mentioned in the video?

The three ways to buy a good mentioned in the video are: paying in cash, financing, and consórcio.

Why might buying a good in cash not make sense according to the video?

Buying a good in cash might not make sense because it takes money out of an investment that is already generating returns. It could also lead to a loss if the good depreciates in value, such as a vehicle.

What is the potential downside of financing a property according to the presenter?

The potential downside of financing a property is that you end up paying three times its value due to interest, and it might not appreciate enough to cover the interest paid.

What percentage of the credit do you typically pay as a fee in a real estate consórcio?

In a real estate consórcio, you typically pay a fee of around 20% of the credit taken.

How does the presenter describe the consórcio as a vehicle for investment?

The presenter describes consórcio as a planned purchase method that can become an investment tool, providing a profit and increasing wealth through various strategies such as selling contemplated shares or using the credit for future purchases.

What is the average time frame for paying off a consórcio according to the video?

The average time frame for paying off a consórcio mentioned in the video is around 200 to 220 months.

What is the potential profit from selling a contemplated share in the consórcio?

The potential profit from selling a contemplated share in the consórcio can be around 25% of the credit value, which means if you have a credit of 300,000, you could sell your share for 75,000, making a profit of 35,000.

How does the presenter suggest using the consórcio to increase one's patrimony?

The presenter suggests using the consórcio to increase one's patrimony by contemplating and then either selling the share for a profit or using the credit for future investments, such as buying a property at a lower cost.

What is the 'Método Lar' mentioned in the video?

The 'Método Lar' is a strategy used in consórcio investments that involves profit, wealth increase, and interest at any moment of contemplation, with specific strategies for each stage of the consórcio.

What is the final outcome if you complete all the payments in a consórcio?

If you complete all the payments in a consórcio, you will get back all the money you paid plus credit readjustments, potentially earning 20% to 30% more than what you paid.