The speaker discusses achieving financial independence through investing in fixed and variable income. They emphasize the importance of understanding financial independence as a long-term goal that requires discipline and effort. The speaker explains that to achieve financial independence, one needs to earn an average annual return of 12.4% above inflation.
They recommend three investment options:
1. Prefixed CDBs (Certificates of Deposit): These offer a fixed return, but the speaker notes that the return may be lower than expected, and there is a risk of the bank going bankrupt.
2. IPCA Treasury: This investment offers a return linked to inflation, but the speaker advises against the half-yearly interest option, as it can reduce the overall return.
3. Real Estate Funds: These investments offer natural protection against inflation and can provide a higher return than fixed income investments. The speaker recommends buying a basket of 12 to 15 assets in a portfolio and contributing to it over 30-35 years.
The speaker also discusses the importance of discipline in investing and recommends contributing a fixed amount regularly to achieve financial independence. They also mention that variable income investments, such as stocks, can provide higher returns in the long term, but come with higher risks.
The speaker concludes by recommending three equity funds that invest in shares and have a growth-focused approach. They emphasize the importance of trusting the fund manager and having a long-term perspective when investing in these funds.
Here are the key facts extracted from the text:
1. The goal of financial independence can be achieved through fixed income or variable income investments.
2. Financial independence is a long-term goal that typically takes 3-10 to 35 years to achieve.
3. To achieve financial independence, one's investments must beat inflation, which has averaged 5.8% over the past 10 years.
4. To beat inflation, one's investments must earn at least 6.6% above inflation, totaling 12.4% per year.
5. Savings typically pay less than 4% per year, making it difficult to achieve financial independence through savings alone.
6. A pre-fixed CDB (Certificado de Depósito Bancário) is a type of investment that can be used to achieve financial independence.
7. A minimum investment of 100 reais is required for a pre-fixed CDB.
8. The IPCA (Índice Nacional de Preços ao Consumidor Amplo) treasury is a type of treasury that is directly focused on inflation.
9. Real estate funds are a type of investment that can provide natural protection against inflation.
10. The FGC (Fundo Garantidor de Crédito) is a credit guarantee fund that guarantees investments up to 250,000 reais.
11. Variable income investments, such as real estate funds and stocks, can provide higher returns than fixed income investments.
12. Investing in good shares, such as those of solid companies that have been around for decades or more than 100 years, can provide long-term growth and appreciation.
13. Equity funds are a type of investment that can provide higher returns than fixed income investments, but with higher risk.
14. Investing in funds that invest in shares can provide a way to benefit from the expertise of professional managers.