Os Investimentos da Bettina 5 Anos Depois do Meme

Summary

The script narrates the story of Betina Rudolf, who five years ago claimed to have turned R$15.20 into R$1 million by investing in stocks within three years. Despite the exaggerated promises and subsequent scrutiny, an analysis shows that following her portfolio recommendations could have yielded a 7.4% annual return, outperforming the Brazilian stock market. However, it emphasizes the importance of portfolio rebalancing and warns against buying or selling stocks solely based on their performance, highlighting the unpredictable nature of investments and the impossibility of consistently achieving such high returns.

Takeaways

• 😀 Betina Rudolf, at 22, became an internet sensation by claiming to turn R$15.20 into R$1 million by investing in stocks within 3 years.
• 📈 Her initial goal was to sell the portfolio of a company she worked for, but it turned into a meme, was covered by newspapers, and even investigated by the CVM for exaggerated return promises.
• 💼 The recommended portfolio by Betina consisted of 10 stocks, with an investment of 10% of the capital in each, across seven different sectors.
• 🏦 The portfolio included companies like B3, BTG Pactual, and ITA UniBanco from the financial sector, and companies from infrastructure, petrochemical, conglomerate, tourism, fashion, and pharmaceutical sectors.
• 💹 If someone had invested R$20 in those stocks in March 2019, they would have approximately R$2,188 today, considering reinvestment of dividends, outperforming the Brazilian stock market.
• 📊 The portfolio's annual return was 7.4%, compared to the Ibovespa's 5.5%, indicating a better-than-average market performance.
• ⚖️ The script emphasizes the importance of portfolio rebalancing to maintain the initial investment proportion in each stock, which was not considered in the 7.4% return calculation.
• 📉 The BTG stock increased by 329%, while CVC fell by 96%, significantly altering the portfolio's composition from the initial 10% allocation.
• 🔄 Rebalancing the portfolio could have resulted in a much lower annual return of 4%, due to buying more of the falling stocks like CVC and selling the rising ones like BTG.
• 🚫 The script warns against buying or selling stocks based solely on their recent performance, as it's impossible to predict the market's bottom or top with certainty.
• 🌐 It acknowledges that the portfolio would likely have changed over the years, especially considering events like the 2020 pandemic, which could have influenced stock recommendations.

Q & A

Who is Betina Rudolf and what did she become famous for?

Betina Rudolf is a young woman who went viral on the internet 5 years ago at the age of 22. She became famous for claiming to have turned R$15.20 into R$1 million by investing in stocks within just 3 years.

What was the original purpose of Betina Rudolf's video?

The original purpose of Betina Rudolf's video was to sell the portfolio of the company she worked for, Empírico Investimentos, by showcasing her own investment success story.

How did Betina Rudolf's video impact her and the company she worked for?

The video turned into a meme, was covered by newspapers, and even led to an investigation by the CVM (Brazilian Securities and Exchange Commission) due to the exaggerated promises of returns.

What was the composition of Betina Rudolf's recommended portfolio?

Betina Rudolf's recommended portfolio consisted of 10 stocks from seven different sectors, with each stock representing 10% of the investment.

Which sectors were included in Betina Rudolf's portfolio?

The sectors included infrastructure, energy and sanitation, finance, petrochemicals, conglomerates, tourism, fashion, and pharmaceuticals.

What was the outcome of investing in Betina Rudolf's recommended portfolio 5 years ago?

If someone had invested R$20 in those stocks in March 2019, with 10% in each, they would have approximately R$2,188 today, considering reinvestment of dividends.

How did the return of Betina Rudolf's portfolio compare to the Brazilian stock market index (Ibovespa) over the same period?

Betina Rudolf's portfolio provided a return of 7.4% per year, which is higher than the Ibovespa's return of 5.5% per year over the same period.

What is the concept of rebalancing a portfolio and why is it important?

Rebalancing a portfolio involves adjusting the allocation of investments to maintain the desired percentage of each asset. It is important to prevent overexposure to assets that have increased in value and underexposure to those that have decreased.

What would have been the impact on the portfolio's return if it had been rebalanced?

If the portfolio had been rebalanced, instead of having a return of 7.4% per year, the return would have been only 4% per year, which is almost half.

What is the lesson learned from the rebalancing discussion in the script?

The lesson is to be cautious not to buy a stock just because it is falling or sell just because it is rising, as it is impossible to predict the bottom or the top of the market with certainty.

What is the conclusion about the feasibility of the promised returns in Betina Rudolf's video?

The conclusion is that the promised returns of turning R$20 into R$1 million in 3 years were unrealistic, as no investment can consistently achieve such high returns in such a short period of time.