This is the simplest and lowest risk way to retire in 3 years with R$10,000 a month – 12/25/2023 – From Grão to Grão

Imagine a 47-year-old individual who wants to stop working at age 50 and have an income of R$10,000 a month. I received an email from a reader asking what would be the simplest and lowest risk way to put together an investment strategy to achieve this goal.

The way I am going to explain is not the only way to achieve this goal, much less the best. However, it is the simplest and has the lowest risk.

By doing this, you don’t have to worry about anything else.

It’s like opening a dam of water and simply watching the water flow along its already marked path.

The risk is very low, as it would only be carried out with federal public bonds referenced to the IPCA. Therefore, in addition to not having any risk of receipt, you are also protected from inflation.

I will make an assumption that this investor will live to be 95 years old. Therefore, it would be recommended to plan for him to receive the income for 45 years, starting at the age of 50.

Simplicity comes from the number of titles needed to achieve the goal.

To meet this goal, you would only need to invest in the following 3 securities: Treasury Educa+ 2026, Treasury Renda+ 2030 and Treasury Renda+ 2050.

As it is the simplest and has the lowest risk, don’t expect it to be the cheapest.

You would need to make a total investment of R$1.93 million. Without a doubt, it is not for every investor. The important thing is to know that it is possible and how to implement it.

It would be necessary to purchase 574.55 quantities of each of the following securities: Treasury Renda + 2030 and Treasury Renda+ 2050. It would also be necessary to purchase 143.64 Treasury Educa+ 2026 securities.

As a result, from January 1, 2026 and until December 31, 2069, the investor who makes this investment will receive an income of R$10,000 per month, adjusted by the IPCA.

Therefore, your income would only be interrupted after 45 years of receipt, that is, at 95 years of age.

If something happens to this investor before the age of 95, the heirs will be the new beneficiaries of the income.

As I mentioned, this is not the most efficient way, nor the cheapest, but it is undoubtedly the simplest and lowest risk.

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Michael Viriato is an investment advisor and founding partner of Casa do Investidor.

Speak directly to me via email.

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