Antecipando a aposentadoria com as quedas de hoje

Without a shadow of a doubt, this is the best contribution to this portfolio of ours, which is now 16 months old. We started here in August 2025, investing 300 BRL out of our own pocket , and now we have 5,032 BRL and are receiving monthly dividends. Today we are going to make a great contribution here. Believe me, we are getting excellent prices today. So, let's make our contribution and talk a little bit about how our portfolio is doing and the next moves. So, let's go. I’m not joking, okay? When I say it’s the best contribution for this portfolio , it effectively is. We are going to pick up good companies here, good real estate funds at excellent prices. Nothing happened to the REITs, nothing to the company. The company continues to function the same way, as do the REITs. What happened was just a drop in the stock price. So we are going to take advantage of this with our contribution today. As you know, we invest 20%of the current minimum wage here. Today the minimum wage is 1,621, so we are contributing 324. However, as you know and we already agreed on this, every year we also invest our 13 th-month salary. Since we normally receive it in two installments, in November and December, today we are also going to contribute the first installment of the 13 th-month salary. Therefore, 324 plus, according to the calculations I made here, plus 162, meaning today we will contribute 486. I have already transferred this amount to our account. And not only that, there is also the dividend we received last month, which we will contribute now. I always forget, if you enjoy this series , it is important that you leave a like here on the video and also comment below so that I can understand your feedback and where the portfolio should go. This playlist depends a lot on your feedback and your comments here as well, but enough talking, look at how the portfolio is doing. Today our equity is 5,032 BRL, a drop of -3.60%, total profit of 15, we remain in the positive, capital gain of minus 187 , but 203 in dividends. That is exactly why we end up 15 in the positive. And this is our little step-by-step evolution of our assets. Every month we invest only 20%of the minimum wage here. And why is that? Precisely to show that with low amounts , if you continue contributing over a long period, you will effectively have a good amount. And not only that, it's not even about the low value, it's to get you into the habit of starting to invest, of analyzing assets. Because by doing this, by investing a small amount, it will give you an itch to say: "Hey, I could manage to make some extra income, take that amount and invest it, because in the future this will multiply significantly." So that is the goal here, not just to invest a little, but to spend this whole time, because it's a long process, effectively building our wealth here, brick by brick. It's not for nothing that today we have reached this amount here. And just look at the dividends here. The first dividend was 1.75, 1.76 BRL. And look at how it has been increasing precisely because we contribute here every month. The last one, which was 28.20 BRL, is what we are going to invest today. However, look at this, for this month of November there is already 19.57, and that's not even the total, because some funds still need to announce how much they will pay. So it will be higher than 28. However, we will invest this dividend from the month of November in December. But let's take a look here at our assets. Look at those excellent prices. But wait, let's go in order of greatest opportunity here . Today we see cryptocurrencies here in our portfolio, a 2%drop. We have a total value here of 73. Our average price is 425,000 and now it's 421. So it's an interesting buying point. And not only that, look at the opportunity Bitcoin gave us now in the last 30 days . A 10%drop. It had been a long time since we saw it here in the 76,000 range . So let's make a contribution here. I'm going to make the transfer here on Binance. You also don't have a Binance account. I've put it here in the description for you to open your account with some benefits as well. There is this video here with a step-by-step guide for you to open the account. We will make a transfer here of 50 BRL to make the investment. Today we can do it via Pix itself. It's very simple, no secret at all. First, we enter the amount we want. In this case, we will send 50 BRL. Confirm. It will generate the Pix code. We copy and paste it into the bank app and transfer. Just here the 50 BRL that we entered. So I will transfer it now. Look at that. The notification. We have already received it here. If I click here on spot, we can see BRL, which is Brazilian Reais, 50 BRL we have here. So , I will click on trade and up here I will enter BTC/BRL. BTC is the Bitcoin we are going to buy, and we will use the BRL currency, which is our Brazilian real. Look here, BTC/ BRL. And for the amount, I'll set it to maximum; I can drag this here, which will be R $ 50, which is what we have. So, buy Bitcoin. Done, the order was created and has been executed. We bought it here. I'll register it in the portfolio later. Let's move on to the stock market assets now. So, let's make a contribution here to Banco Itaú, increasing our exposure to this company that pays dividends every month. It's at 38.47 now, with an 8.18 dividend yield. If we scroll down here, look at the dividend frequency. Every month is green here, meaning it's a company that pays dividends almost like a real estate fund . It's obvious that there are months when it pays higher amounts, as we can see here, look, 36 cents. So, although it pays every month, some months the amount is higher. So, let's enter ITUB4 here. Let's see what it's trading at on the stock exchange right now. Look at that, 38.40 , down 0.71 today. An excellent moment. So, since we have a limited amount here , we need to enter, actually, I'm on the lot, we need to enter ITUB4F, which is the fractional share we're going to buy . So, we are going to buy two shares of it today, it will come to 76.82. So let's send the order here for the first two assets of the day that we are going to buy a lot of. Alright, we bought them. Let's go to the next one here. I also want to take advantage of Banco do Brasil. Look at our average price, 19.63, and it's 16.38 now. Therefore, a good time to contribute. But first, let's add it up here: we have 486, which is the amount from our pocket , plus 28, which is from dividends. Let's put it here. Therefore, we have 514 today. Let's subtract the contribution we just made. Look here, two units minus 76, which was the amount we paid. Therefore , we still have 438. Let's go here to Banco do Brasil. Look at that, down 1.88 today. Let's take advantage here and buy two shares. That will be 32.32. So let's send the order here. So, minus 32 from Banco do Brasil, we have 406 left. Another company I want to increase exposure to, take a look, is Taa. We only have 117 here, and it’s an excellent company, although it is quite leveraged and in debt right now, but I think 39 is an interesting point. It’s not one of the best, but look, it’s basically our average price. And now on the stock exchange, it’s at R $ 8.91. Let’s take advantage here. I want to buy two shares here. It will be 77.82. Let’s invest here then. -77 equals 329 left. Now let’s go to another energy company as well, CPFL. We started a position recently. We only have two shares of it here. Our average price, look, was 45.24 . The ceiling price I had set was 46, guys , it was very close. So now it’s at 41. It’s probably lower on the exchange here . Let’s see. Look here. 41.36. Falling 1.26 today. Let’s invest here then, I want to buy two shares of it too , it will be R $ 82. So -82 equals 247 still left. Let me send the order here and confirm. Alright , we bought two more shares here. Our stock portfolio, we have two banks and two utility companies here. Remembering that we are still building this portfolio. I was already forgetting, I still need to subtract the R $ 50 for Bitcoin. So let’s put -50 for Bitcoin here, equals 197. Now moving to real estate funds, look how interesting, an excellent logistics fund BTLG. We paid R $ 1.90 then, look now at R $ 96.94. If we open it here, the P/B ratio is 0.92. Its net asset value, look, is 106. Therefore, it’s a good buying point. Thiago, why aren't you going to buy HGLG , since everyone says it’s very good? Look at our exposure to it. 1162. We already have good exposure to it. And we only have one of BTLG. Let’s increase exposure to it. Look here on the exchange now, 96.76. So let’s buy one share of it here so it pays us dividends next month. Therefore , minus 96. We have 101 left here. And what is the next fund that is offering a good opportunity with an interesting value? LZR11. Look here at the P/B ratio of 0.91. Now 9.47 is the share value, but the net asset value is 10.69. So let’s increase our exposure a little bit to it. On the exchange now it’s falling even more, it’s 9.40, a drop of 3. So we will buy here, let's buy six, it will be 56.58. Send the buy order. So -56, we have 45 left here. What is the next fund? MXRF11. We recently started a position. We bought below its P/BV, at 9.52. Now, look at that, 8.82. A P/BV of 0.95. It hasn't been below its P/BV for a while; it was always above. If we check its book value, it is 9.35. So, 45 is left over. We are basically going to buy four shares of it here. That will be 34 plus one, 43. So we can even buy five shares, that will be 43.45. Confirm. Therefore, minus 43, we'll have R $ 2 left, but there were some leftovers from other contributions, so it breaks even. So, look at the large contribution we made today. We bought five shares of MXRF11, six of ALZR, one of BTLG, two shares of CPFL, two of Taesa, two from Banco do Brasil, and two from Banco Itaú, plus R $ 50 in Bitcoin. Today our contribution paid off, and not just because of the amount we invested, but because we paid excellent prices for these assets. So this amount of 532 will increase. So this video doesn't get too long, I'll register these assets, and in the next one, I'll show them, and we'll talk more calmly about the portfolio, its current position, and the next moves. Today was just to make the contribution and take advantage of these excellent prices. By the way, two weeks ago, real estate funds rose a lot with the possibility of Flávio winning. And then I saw many people selling their REITs, taking profits. We saw HGLG at 145, and then the following week it was at 157. Many people sold, and when selling REITs , people don't know they have to pay tax on the profit from the sale. You have to calculate it and pay a DARF . I use the Grana Capital app. It does all the calculations for us because it's a B3 partner and gives us the exact amount. It shows it to us on the screen . So, if you made those sales, be aware that you have to pay the tax and don't get into trouble with the income tax, which is a silly thing. The app helps us, and then you can focus only on your investments. So here is the suggestion: by using my code TB50, you get a special discount on the app's annual plans. Honestly, I'm very happy with this contribution today. It was well-diversified. If you have any questions or suggestions, leave them here in the comments. Comment below if you are taking advantage of these drops . I'll show you my main portfolio in a bit, since I also made a very heavy contribution at the end of October. And then I'll show it to you. So seriously, leave a like on this video. Your rating is very important for the series to continue. And that's it, we're in this together.