R$300 per month for 20 years, and each year, if it increases by 10%, you will have half a million in 20 years. It's better to have this up front than not to have it. Second, time will pass, whether you want it to or not.
Ah, it hurts, but half a million in 20 years won't be that much. It's better to have half a million in 20 years than to be poor, like you are today, right? Much better, damn!
Unless you're that mule who keeps saying he might die tomorrow, I don't know what. You'll be here anyway. Would you rather have R$300,000 up front, even if inflation has changed the equivalence of that, or have nothing at all?
Or you want to owe and you want to owe, right? He's still working on paying the bill. Time goes by really fast, bro.
You are the same age as me. Dude, it's been 23 years since the twin towers fell. Crazy, that, right?
23 years! It was more than two decades. If I had started investing a little in legal investments, today I would already have a good amount of money invested.
What is investment? It's a place where you put your money and it multiplies without you having to do anything. But here comes the point I mentioned at the beginning: investment serves to multiply what you earn by working.
So the poorer you are, the more work you need. The work will change your life, not the investment. The investment will change your life in the long term, but you will have to work for a long time to reach 1 million, for example.
The more money you have, the more interest, the more money will flow to you just for having that money there. Let's simplify here: nowadays it's a little less than that, but until recently, most safe, calm and conservative investments were paying 1% per month. This means that if Igor invests R$10,000, he will receive R$100 per month without you doing anything.
This is what we call passive income. For those who don't know, active income is the income we need to do an activity. Therefore, activate; I have to work to earn my salary, I have to sell paçoca to earn money from selling paçoca.
Passive income is income that comes in without me having to do anything. Investment is a source of passive income. You keep collecting, investing, and more and more you will have a lot more money.
And then, when you look ahead, in 20 years, if you add up everything you put in. . .
I'll give you a random example here, okay? Pretend you invested R$300 per month for 20 years. Every month, R$300, R$300.
. . If you add it all up, in 20 years, you will have put in R$72,000 (R$300 x 240 months, which is 20 years).
I'm guessing roughly here, but then, when you see the balance, it's R$300,000! Then you say: "Bro, how is R$300,000 if I only put in R$72,000? " It's the same thing as with a credit card: "How come it's R$30,000 if I only owe R$2,000?
" But here it is for your benefit. Compound interest works in your favor. Up front, you will have very good money, which is much more than the amount you invested.
And that's important! This is the type of content I talk about on the channel about investment. It's a place that multiplies your money, and the more you work, the more you will be able to invest.
Want to see? I had done some calculations on how much you need to save to have some nice money. Let me see if I can find it here.
. . Here, look.
For example, if you invest R$300 per month for 20 years and each year you increase the value by 10%. Because, then, no one is going to invest R$300 for 20 years, otherwise it will increase! R$300, next year it increases to R$320, then to R$350.
If you invest R$300. . .
And hey, I'm talking about R$300, Duda says: "But I don't have R$300 left ". So, make some extra income! If you have a barbecue every Saturday, you already earn R$300 per Saturday.
If you do it, sell paçoca. . .
I have a video on my channel where I went to sell paçoca on the street. I bought a paçoca at Mercado Livre, paid R$1 and sold everything in 1 and a half hours; I made R$103 in profit in 1 and a half hours. R$300 per month for 20 years.
And every year, if it increases by 10%, you'll have half a million in 20 years. Ah, it hurts, but half a million in 20 years won't be that much. It's better to have half a million than to be poor like you are today, right?
Much better, damn! Look at this: if you manage to invest R$1,000 per month for 20 years and each year it increases 10%, in 20 years you will have R$1,600,000. So, do you understand?
Bro, it's money, old man! Today, I'm not considering inflation. Today, R$1,600,000 is R$16,000 going into my account.
My wife and I live with four of us today. Damn, that's a lot of money, right? These guys who do this, that's their job.
They invest, that's their job: to make money, you know? It's different from the poor. The poor earn money through work, another level.
For example, you take Luis Barsi, right? He's, I think 84 years old, bro; He has fun, you know? So, time will pass, whether you want it to or not.
You understand that it's better to have it up front than not to have it. Time will pass, whether you want it to or not. So, if you have R$10,000 today, R$100 will be added to your account per month.
If you have R$100,000, it will drip R$1,000 every month without you having to do anything. If you have R$500,000, it will drip R$5,000 per month without you having to do anything. So it starts here.
Sometimes people think that investing is for millionaires. No, it's not! If you manage to save R$300,000, it will add almost R$3,000 to your account, bro.
Today, out of every three retirees in Brazil, two earn a minimum wage, which is R$1,000. If you have R$300,000, it will drip without you doing anything! You don't have to work, you don't have to cut your hair, you don't have to get anything.
Just by having R$ 300,000 there, R$ 3,000 will drip into your account, which is twice what most retirees who worked their entire lives, like a camel, are earning now that they are old and have no money or to pay for health insurance! That's why investment is so important. I'm saying that R$300,000 is easy, I'm just saying, don't think it's for a millionaire.
There are people who might be able to sell something, sell a car, do a deal to raise R$300,000. R$3,000 and the more you have, the more passive income you will have. As we said: R$100,000 gives R$1,000, R$300,000 gives R$3,000, R$500,000 gives R$5,000.
This is the secret of compound interest in investments. In the same way that there is interest on a credit card, but it's worse than an investment, right? Much worse.
But that's the reasoning. For example, sometimes a person writes to me: "Duda, I owe R$2,000 on my card. " I say: "Bro, did you buy a car with a card?
What did you do? Did you pay R$22? " I don't know.
"Duda, it was R$2,500 and when I went to see, today it's R$30,000, it's R$20,000. " That's compound interest! You don't pay, you don't pay, you don't pay and the loss is increasingly greater.
The same thing happens here in the world of investments, savings, but savings yield very little. It's really bad, which is why it's considered the worst. But then, investment.
. . So, leave it in savings.
Leave it in savings. At least it has liquidity. This could be a problem too.
The person in agony goes there and gets it all the time. Exactly! Wow, I've done this many times in my life.
That's why it's good for our investment to be separate from our normal account. Don't leave your money invested in your everyday account. It will disappear, obviously it will disappear.
We're going to disappear, right? So, that's what savings is. Now, what is a CBD?
CBD, I think it's an investment. Ah, other examples, I can mention the name of a bank here. It could be Caixa, Nubank, PicPay Piggy Bank or Banco Inter's Piggy Bank.
Three names for the same service, but each bank has a different name. What is that? It's savings, but it yields more than savings.
It's much better now. But why does it yield better? Because digital banks have fewer fees, they make more profit for the person.
Digital banking. . .
There are many people who are not afraid to invest because they are afraid of digital banking. The digital bank is also supervised and inspected by BACEN, just like any other bank. There are also several coverages that I will talk about here right away, which is the FGC.
You go there, you put the money in the little box, in the piggy bank or in the safe there and you put it there, it accumulates all in one place, just like savings, only it yields much more and is identically safe, as much as the savings. CBD, what is a CBD? CDB is when you lend money to the bank and then the bank returns it to you with a profit on top.
And then, here, there are a lot of people who think: "But wait, this looks like a scam. The bank is borrowing money, the bank is a multimillionaire. What does he need my money for?
No, I'm not a fool. " I hear this a lot: "That's a scam, that's a pyramid. " No, guys!
The more I meet rich people, I realize that rich people love to get rich with other people's money, right? No he uses his money, he uses other people's money to enrich himself. The bank does exactly that because banks can fail.
It's very difficult to fail banks in Brazil, but it can happen, and if it goes wrong, that's when things happen! "Oh, I won't investing, no, I'm not going to take that risk. I'm going to keep it in the mattress, I'm going to keep it in the mattress, which is much safer.
" And in 10 years it won't be worth anything because of inflation, right? That's an important point too. Instead, bro, it's not possible, old man !
Let me focus here, it's difficult, man! Because what happens? The poor have a lot of financial problems .
So, that's all, man! bad, they issue money at the Central Bank and pay those who owe. So, it is considered the safest investment in Brazil.
It usually yields a little less than the CDB, but it is there, it is close. So let's take the case of LCI now . LCA.
It's a very good investment, it's identical to the CDB. Igor goes to the bank, invests R$1,000 in the LCI, but what's the difference? 1,000 that you put in and lend to Etevaldo, he will buy a property.
No, he will lend it to someone who wants to invest in the real estate sector. So, this is the type of investment for those who are conservative, who want security, who don't want to take risks. Because two years ago, three years ago, when someone talked about investing, I thought: "What?
Those guys over there. "Oh, is it for me? No, it has nothing to do with it.
" That doesn't even exist anymore, right? Then fixed income is the place where you put your money with total security. Of course, it never has total security, because it can suddenly become Argentina.
It's That's why it's important for us to diversify. But yeah, I'm going to say it in a way that people understand, as safe as savings. Nobody is afraid of savings, even though it was bad for many years during Collor's time.
afraid of leaving money in savings. There are some options. of investment that we have in fixed income, which is safe, calm, conservative for those who are cautious and don't want to lose any money.
Okay , most of what I have is here. This guy has to put everything in fixed income. : savings, savings account, CDB, LCI, direct treasury.
. . It's over.
If the bank goes bankrupt, these investments, such as savings, savings banks and CDB, have others, bills of exchange, and so on, they have insurance called FGC, which is insurance that covers up to R$ 250,000 if it breaks. So, let's say you invested in bank X in one of those investments I mentioned and it goes bankrupt. The FGC returns the value you had.
It's safe. It is good. But, Duda, what if several banks failed at once?
Then it screwed up. He has a moderate profile , which is mine. Most are in fixed income, now, there is a part where I accept taking risks because I want to make more money than simply 10%.
So, today 30% of what I have is in crypto, 50% is in fixed income and 20% is between stocks, real estate funds and other things. So, I'm in this. .
. And we have the third one, who is the guy who is either very stupid or very intelligent, who is the guy who puts everything into variable income. Either the guy is very stupid because he doesn't understand anything and comes here thirsty because he wants to make money quickly and gets screwed, or he's very intelligent.
Then the guy, like Luis Barsi, right? Luis Barsi is the largest investor on the Stock Exchange. The guy only invests in stocks.
But he's the guy who knows everything about stocks; he doesn’t even invest in fixed income. Like, I need to know what I'm doing too. Yes, right?
That day I already received a message like this: "Duda, I was sent away. What crypto do you think I can invest in my termination? " I said: "You're crazy, bro!
Your severance, bro! Are you going to put your severance, which is the amount you can pay for your house's milk, in a cryptocurrency that could go bad overnight? Stupid, man!
" That was it, like. . .
I said: "You're crazy, don't do that! " And here, why do I say that he is very stupid? Because there are a lot of people who don't have any education and start here, put everything in.
The guy who doesn't ride doesn't have critical sense. He will hear the guy: "Ah, that's it! " "Ah, so that's it?
" No! No! The critical sense is to listen to both sides.
This is a very bad point in Brazil, especially the issue of politics. But listen to that one and listen to this one too. You print your own experience and see how it applies to your life.
It's not because I'm saying it that it's absolute truth. I'm speaking my truth. Yes, exactly!
You may need to adjust here or there, and what I'm saying makes sense. Maybe what I'm saying doesn't make any sense. Guys, leave the comments, like.
I hope you liked it. If you haven't subscribed to the channel yet, subscribe to the channel. We're together once again, guys!
A big hug, we'll see you next time. Thanks, thanks guys! Goodbye!
