If you already invest or are interested in investing, you certainly aim to live off the rendimentos of these investimentos, in other words, to achieve the much-desired liberdade financeira. Of course, achieving this result is neither easy nor quick, as it requires a lot of active work to have a good income to invest and, over time, to get good rendimentos. But if you think “I earn little, it’s not worth investing,” truly investing just R$100 once will not bring expressive results, even if we think about leaving that money invested for decades. However, this habit of not spending everything you earn and starting to invest can greatly help you to awaken your interest in Finance and evolve financially.

The Journey to Financial Freedom: A Practical Guide

The Power of Starting with Small Steps

Well, consider this hypothetical example: João worked in a store as a clothing salesman and earned only 1,500 per month. He had the hectic routine of many Brazilians of working during the day and studying at night, attending college, and like most people, he spent everything he earned, because he earned very little and had his personal expenses since he lived alone.

The Mindset of Saving and Investing

So, over time, he began saving only R

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100 every month, for a year it already dar

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100 per month, there’s no way to have good rendimentos in the short and medium term, and even in the long term.

The Impact of Inflation and the Pursuit of Improvement

Because if we think about investing R

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500 per month, which was already a great amount compared to the time of financial distress when he received very little.

The Importance of Increasing Income

And if he continues to focus on increasing his income to increase the amount invested monthly, he manages to have rendimentos much faster than if he continued with 100 reais per month. In other words, the R$ 100 invested every month didn’t make much difference in terms of rendimentos, but it changed the mindset regarding money, to never spend everything you earn.

The Shift in Mindset and the Focus on Growth

And seeing that his invested amount was increasing, he focused on increasing his income to be able to invest a larger amount every month and see the rendimentos grow over time. That’s why it’s so important to start even if it’s with just R$ 100, because it changes your focus. And it’s what I always say, the two aspects you focus on, earning more and also spending less, basically the only two ways to have more money. And obviously we also have to know how to make good use of our money, but that’s a topic for a future video.

Best Types of Investments Generating Monthly Income

You are in Episode 4 of the educação financeira series and here I will talk about the best types of investimentos that generate renda mensal. Well, first of all, I want to make it clear that here I will only talk about the investimentos that generate rendimentos, I won’t talk about NFTs, cryptocurrencies, or anything like that.

Unveiling Fixed Income

To begin, first of all, let’s talk about renda fixa. Yes, this investment that generates a lot of doubt. With all these acronyms of CDI, CDB, LCI, LCA, whoever sees this for the first time even loses interest in investing, but here I will explain all this in a very simple way, because it’s nothing out of this world.

What is Fixed Income?

Investimentos de Renda Fixa in general are investimentos that, as soon as you put your money in, you will already know how much it will yield monthly or annually, in other words, it will not suffer major market variations. Because, for example, when we go to invest and 100% of the CDI appears, it means that this investment yields 13.65% per year. These are current values, okay?

Pre-fixed vs. Post-fixed

In short, when you go to put your money in renda fixa, you will see that there are some pre- and post-fixed ones. With the pre-fixed ones, you already know exactly how much your money will yield even if you leave it there for decades. In other words, if you invest now in some investment that yields 100% of the CDI, it means that it will yield 13.65% per year every year, even if the CDI changes over time, your rendimento will be fixed at 13.65% per month. With the post-fixed ones, you will undergo these small fluctuations whenever the rendimento rate changes. However, this can be good or bad, because the annual rendimento can go up or down according to the interest rate.

CDB, LCI, LCA and Tesouro Selic: Simplifying

For example, and finally, what is CDB, LCI, LCA and Tesouro? Simply put, investing in CDB is lending your money to banks and receiving interest on the amount invested. In other words, you will earn a percentage referring to how much you left invested. Now, LCI and LCA are also issued by banks and you will also be lending money to them and receiving interest, but the main difference is where the money is going, because they are credit letters. The LCI is for the real estate sector and LCA for the agribusiness sector.

• CDB: Loan for banks.

• LCI: Loan for the real estate sector.

• LCA: Loan for the agribusiness sector.

In other words, you will be helping to develop these sectors in a way, and also LCI and LCA are exempt from Income Tax, while if you invest in CDB you will have Income Tax on the rendimento. But that doesn’t mean it’s not worth investing in CDB. That’s up to you to draw your own conclusions, calculating what’s best for you.

The Security of the FGC

And remembering that your investment is guaranteed by the FGC, the credit guarantee fund. In other words, if you invested in CDB or LCA and the bank you invested in went bankrupt, you will get your money back. The FGC guarantees investimentos of up to 250 thousand reais.

Tesouro Selic: The Safest Investment?

And now the Tesouro SELIC, which is considered the safest of all investimentos, because you will be lending money to the government and receiving rendimentos. And for the government to break, the whole of Brazil will have to break first, so it’s something very difficult to happen.

The Importance of Liquidity

And besides all that, there’s the question of liquidez, which is nothing more than the speed with which you can redeem your investment. There are many that are of daily liquidez, in other words, you can withdraw your money whenever you want. And a tip for investing in renda fixa with daily liquidez is to make an emergency reserve and I’ve already talked about this in a past video, I’ll leave it up here because the video is very complete.

Unveiling Variable Income: Stocks and Real Estate Funds

And now renda variável. Well, it’s hard to talk about the rendimentos of renda variável, because, as the name itself says, they are variable.

The Predictability of Fixed Income vs. Variable Income

Well, the big difference between renda fixa and renda variável lies in the prediction of gains, because when we invest in renda fixa we already know on average how much we will receive, now in renda variável there’s no way to predict exactly the rendimentos. And we see this even more when we talk about stocks, which in the case of this video I will talk about those that generate rendimentos, or rather, dividendos.

Dividends: Becoming a Partner of Companies

This is my favorite type of investment, which is basically investing in good companies that have been consolidated for years in the market and receiving a part of the profit of these companies. In other words, the dividendos. In short, when investing in a company by buying stocks, you will have become a partner of it and just like a partner you will also receive a part of the profit.

The Strategy of Growing Dividends

And of course, buying few stocks you will receive few dividendos, that’s why the strategy is to have more and more stocks to receive juicier dividendos. Well, this strategy is so talked about by Luiz Barsi, the famous king of dividendos, who became the largest individual investor in the Stock Exchange following this strategy of investing in good dividend-paying companies. Of course, it’s not easy and not overnight, but the strategy consists of investing in dividend-paying companies and thus reinvesting these dividendos to further increase the number of shares, besides also continuing to contribute every month.

Why Can’t We Predict Dividends?

And why can’t you see how much you will receive in dividendos? It’s very simple, because we can’t predict how much a company will profit in five years, in two years or in 20 years. This will depend on hundreds of factors of the company itself or the situation of the sector the company is in. And also the price of a company’s stock is always varying, because it’s renda variável. And sometimes a stock that is R

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20, for example. In other words, if you buy when it’s cheap you will receive higher dividendos compared to the amount invested, I managed to buy a larger amount of stocks, money.

The Risks of Variable Income

Of course, the opposite can also happen, the stock devaluing and even stopping generating frequent dividendos. That’s why studying is essential before anything else and for investimentos in renda variável even more, because it requires a little more research compared to investing in renda fixa.

Real Estate Funds: Monthly Income with Real Estate

And already talking about renda variável, another great investment for you who wants to have frequent rendimentos is real estate funds. And unlike stocks that depending on the company pay dividendos monthly, quarterly, semi-annually or even annually, real estate funds pay monthly, because they are real estate funds that generate monthly rents and pass on the amount acquired to whoever invested in the fund, in other words, the quotaholders. And it works the same way as stocks, the more quotas you acquire, the more rendimento you will receive according to the fund you bought.

The Relative Stability of Real Estate Funds

However, on average stocks oscillate more than real estate funds or suffer greater variations, whether positive or negative. So we come to the conclusion that when investing in real estate funds we have a slightly greater predictability of rendimento in relation to stocks, in other words, we have a certain idea of how much it will yield each month. And currently real estate funds vary between 0.6% to 1% per month depending on the fund.

The Income Tax Exemption

And remembering that they are exempt from Income Tax just like the dividendos of stocks. But then does that mean that investing in real estate funds is safer? That will depend on how you will invest. Your knowledge about a certain investment is what will give you the greatest security when investing. If you invest without knowledge, you will be totally vulnerable and nothing will be safe for you, especially when talking about renda variável.

The Importance of Financial Education

So study before investing. See where you are putting your money that you worked so hard to get. But even before studying about investimentos, we have to organize our financial life and manage our money better.