The search for monthly passive income is the goal of most investors, especially those who want to determine the source of additional performance, to complete Retirement or having more financial freedom. Considering the minimum wage of R $ 1,518.00, earn a passive income equal to three minimum wages – earn approximately R $ 4,554.00 – it is a achievement goal, but requires strategic and well -informed investment options. In this article, we will explore some investment options that can create this type of performance in a steady and safe way.
What is passive lace and how does it work?
Passive income is a kind of yield that does not require continuous effort to produce it. Unlike direct work (such as traditional employment salary), passive income comes from resources such as real estate rent, stock dividend, investment interest or intellectual production royalties. The goal of earning passive income is to have a source of money that continues to enter regularly, without the need for continuous work for it.
Which investment options can produce 3 minimum passive income salary?
To reach the monthly R R $ 4,554.00 with passive income, it is necessary to understand a variety of investment returns. To achieve this goal we will show some famous and real options:
Treasury Direct (Celician Treasury or IPCA+Treasury)
Treasury Direct is a safe and accessing option for those who seek fixed income. For a month, a substantial investment is required to produce 4,554.00, as the Treasury direct provides lower return compared to other options.
Celician Treasury, for example, invests about $ 300 to $ 500 for investment with a profitability of 14.25% (with current Celician) per year. However, with the increase in income, it is possible to reach the target of 3 minimum wages in a few years.
Real Estate Funds (FIIs)
Real Estate Funds is an excellent alternative to those who want passive income, especially the goal of producing 4,554.00 per month. These funds usually pay the monthly income from the real estate or the rent of income with the praise of the real estate market.
To reach this goal with FIIS, the average profitability of FII usually vary between 0.6% and 1% per month, and it is necessary to invest between 000 500,000 and 000 600,000. This type of investment provides an excellent relationship between risk and returns and a good starting point for those who seek diversity.
Actions and dividend
Investing in the stocks of good dividends is also a way to earn passive income. Solid companies listed in the Bovospa (IBOVESA) index, paid a semi -annual or quarterly dividend.
To produce R $ 4,554.00 per month, the investor has to invest around R $ 500,000 on an average of 1% monthly returns in dividends. Although investment in shares provides good profitability, it can cause high risks due to market instability. Therefore, it is important to have a variation of selected companies and have a fundamental analysis.
The nerves
CDB is another viable alternative to those who seek safe passive income because of the guarantee by the credit Guarantee Fund (FGC), which reduces the risk.
In order to produce R $ 4,554.00 per month with CDBs, it is necessary to invest about R $ 600,000 per month from 0.8% to 1% per month. Although this option is more traditional, it provides the Pred -notable profitability, which is attractive to risk -taxable investors.
How to facilitate the passive income production process?
To make the process of producing passive income more effectively, it is important to follow some guidelines:
- Diversity: Investing in a variety of assets such as FIIs, actions and CDBs reduces losses and increases the chances of passive income target.
- Returning Profits: Initially, re -investing the earned income can accelerate the growth of your assets, until R $ 4,554.00 is a monthly target.
- Assess the Risk Profile: Depending on your risk tolerance, you can choose more traditional (CDBs) or brave investments (such as shares or real estate).
- Steady Follow -Up: Maintaining regular follow -up on your investments by adjusting your strategy when necessary to ensure the desired profitability.
Making the passive income of 3 monthly minimum wages is a achievable goal, but the investment plan and your financial goals and the risk profile are required. FiIS, dividend measures, investments such as CDBs and real estate can help ensure some of the options that can provide this type of income regularly, to ensure long -term financial stability. By combining various sources of passive income, it is possible to achieve the most desired economic freedom and greater security in the future.
