07/22/2024 – 6:00
Many Brazilians think about investing to guarantee an extra income each month in addition to their salary or retirement. There are options for both more conservative profiles and for those willing to take a little more risk to seek a higher return.
The most important thing is to start saving as soon as possible and set aside a portion of your income every month to ensure a more peaceful future.
At the request of the site This Is Moneyfinancial planner Renan Suehasu, partner at A7 Capital, prepared different scenarios to show how much you need to save to have an extra monthly income of R$2,000, R$5,000 or R$10,000. In the simulations, there is an investment option in Real Estate Funds, which are more profitable and usually pay monthly dividends, but also mean a greater risk; and another option in fixed income assets, such as CDB and Financial Letters, with lower yields, but with practically no risk.
Check out the full simulation
“Both portfolios offer monthly income. Real Estate Funds will be paid according to the proceeds from those funds. In the fixed income portfolio, the reasoning is a little different, so there is a liquidity CDB and the others, with a longer period, will replace what the investor takes out and, at the same time, will replace inflation”, says the specialist.
How to make money work for you
As you can see in the simulations, when investing in real estate funds, you would need to invest R$225,458.60 to get R$2,000 per month; R$563,646.51 to have a return of R$5,000 and R$1,127,293.01 to get R$10,000.
In fixed income, it would be necessary to save R$444,933.20 for an investment with a monthly return of R$2,000; R$1,109,832 for R$5,000 and R$2,219,665 for R$10,000 per month.
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