QUAL A MELHOR CORRETORA PARA INVESTIR NO EXTERIOR? Inter | Nomad | Avenue| Vest | BTG | XP (2024)

Summary

This video provides a detailed comparison of popular brokers for investing abroad, focusing on Banco Inter, Nômade, Avenue, Vest Investimentos, BTG Pactual, and XP Investimentos. It examines each broker's reputation, costs, and key features, including spread rates, fees for transfers, and tax implications. The video highlights the advantages and disadvantages of each option, concluding with a recommendation based on customer preferences, with Avenue being the most favored broker among RC Wealth clients. It emphasizes the importance of choosing the broker that best suits individual investment needs.

Takeaways

• 😀 Diversifying investments abroad helps you take advantage of the U.S. dollar's strength, the robust U.S. economy, and the largest financial market in the world.
• 💰 Leaving all your assets in Brazil is risky, as it limits exposure to global financial opportunities. It’s important to diversify internationally.
• 🌍 The U.S. economy is 10 times larger than Brazil’s, and U.S. companies have a global reach, unlike most Brazilian companies that focus mainly on domestic markets.
• 💵 The U.S. financial market offers the largest range of investment opportunities, often referred to as the 'Disneyland for investors'.
• 🔍 The video is not sponsored, which ensures an unbiased and transparent analysis of each broker, based solely on facts and customer feedback.
• 🏦 Banco Inter offers free deposits and withdrawals within its system, but charges for international transfers. It has a spread of 0.99%-1.5% and offers support in Portuguese.
• 🌐 Nômade is praised for its zero-commission trading and integrated transfers without extra costs. However, its spread can go up to 2%, making it a pricier option for some users.
• 💳 Avenue is highly favored by many investors, with good reputation (8.3/10 on Reclame Aqui), low spread (0.5%-1.5%), and free deposits/withdrawals. However, it has higher inactivity fees.
• 📉 Vest Investments has zero commission on trades and relatively low minimum deposit requirements but a higher spread (1.85%). It lacks banking services and has quarterly maintenance fees.
• 💼 BTG Pactual, while offering robust support and tax reporting, tends to have higher costs, with brokerage fees starting at $1 and unclear spread information. Its minimum deposit is higher than others.
• 📊 XP is another established option but, like BTG, suffers from higher spreads and brokerage fees, making it less competitive compared to other brokers like Avenue and Banco Inter.
• 🏅 The most preferred broker among RC Wealth clients is Avenue, followed by Banco Inter and Nômade in second and third places respectively, although all brokers are accepted by RC Wealth for investment consultancy.

Q & A

What is the main topic discussed in the video?

The video discusses the best brokerage firms for investing abroad, comparing different brokers based on reputation, fees, and services offered.

Why is it important to invest abroad, according to the video?

Investing abroad is important because it allows investors to diversify their portfolios, take advantage of the strength of the US dollar, and access the largest financial markets, including the US economy, which is significantly larger than Brazil's.

What are the key factors to consider when choosing a brokerage firm?

Key factors to consider include reputation, transaction fees (such as spreads and commissions), customer support, the availability of investment options, and the ease of transferring funds between countries.

Which brokerage firm received the highest recommendation in the video?

Avenue received the highest recommendation (Gold Medal) due to its low fees, excellent reputation, and comprehensive features.

What are the main advantages of Banco Inter?

Banco Inter offers no fees for internal transfers, low spreads (0.99% to 1.5%), and support in Portuguese. It also has a low minimum deposit requirement, but it is only available to Brazilian residents.

What is the spread cambial, and how does it affect investments?

The spread cambial refers to the difference in the exchange rate that a brokerage charges when converting currencies, such as from Brazilian real to US dollars. A higher spread means higher costs for the investor, while a lower spread keeps more money in the investor's pocket.

What are the downsides of using Nômade as a brokerage?

Nômade has a low reputation on Reclame Aqui (1.1/10), and its spread cambial can be high (up to 2%). However, it offers no fees for transactions and additional perks like cashback and discounts in its loyalty program.

How do the transaction fees of Avenue compare to other brokers?

Avenue offers a low spread (0.5% to 1.5%) that decreases with higher transaction volumes. It has no fees for internal transfers, but external transfers can incur additional costs, ranging from $8 to $45, depending on the location.

What are the key features of Vest Investimentos?

Vest Investimentos offers a low minimum deposit, no commission fees, and provides fiscal reports for tax purposes. However, it has a higher spread cambial (1.85%) and charges a quarterly maintenance fee.

Why might an investor choose BTG Pactual or XP Investimentos despite their higher costs?

BTG Pactual and XP Investimentos are established, reliable brokers with strong reputations. They offer services in Portuguese, access to fractional shares, and tax reports, making them appealing for investors who value familiarity and customer support.

What is the general advice given to investors in the video regarding choosing a broker?

The general advice is to choose a broker that fits your specific needs. At RC Wealth, they do not have any broker preferences and accept all brokers, allowing investors to select the one that works best for their investment goals and preferences.