How much investment is to generate a monthly negative income equals 3 minimum wages?
Searching for a monthly negative income is the goal of many investors, especially those who want to ensure an additional source of performance, either to complete Retirement or obtain more financial freedom. The generation of negative income equals the minimum wage – approximately $ 4554.00, given the minimum wage of $ 1,518.00 – can be an investigation goal, but it requires a well -beneficial and beneficial investment options. In this article, we will explore some investment options that can generate this type of performance in a stable and safe way.
What is negative lace and how does it work?
Passive income is a type of return that does not require a constant effort to generate. Unlike the active income, which depends on direct work (such as the traditional recruitment salary), the negative income comes from sources such as real estate rental, stock profits, investment interest, or even intellectual products. The goal of generating negative income is to obtain a source of money that continues to enter regularly, without the need for continuous work for that.
What are the investment options that can generate 3 minimum negative income salaries?
To reach a monthly amount of $ 4,554.00 Rangeit amount with a negative income, it is necessary to understand the return of different types of investments. Below we show some common and realistic options to achieve this goal:
Direct Treasury (SELIC or IPCA+Treasury)
Treasury Direct is a safe and accessible choice for those looking for a fixed income. To generate $ 4554.00 per month, a large investment will be required, as the direct cabinet provides less returns compared to other options.
For example, the SELIC cabinet, with profitability of about 14.25 % annually (with the current Seic), will generate approximately 300 to $ 500 per month for investments from $ 100,000 to $ 150,000. However, it is possible to reach the 3 -year minimum wage goal with income growth.
Real Estate Funds (FIIS)
Real estate funds are an excellent alternative to those who want negative income, especially if the goal is to generate $ 4554.00 per month. These funds pay a monthly income that usually comes from real estate or profits with the estimation of the real estate market.
To reach this goal with Fiis, it will be necessary to invest between $ 500,000 and $ 600,000, given that the average FII profit is usually ranging between 0.6 % and 1 % per month. This type of investment provides an excellent relationship between risks and return, and can be a good starting point for those looking for diversification.
Procedures and profits
Investing in shares of companies that pay good profits is also a way to generate negative income. Solid companies, such as the aforementioned in the Bovespa (IBovespa) index, pay semi -annual or quarterly profits.
To generate $ 4,554.00 per month, the investor will need to invest approximately $ 500,000 in shares of companies that offer a monthly average of 1 % in profits. Although investing in stocks provides good profitability, it includes higher risks due to market fluctuations. Therefore, it is important that you have a diversification strategy and the fundamentalist analysis of selected companies.
CDBS (Banking Certificates)
CDBS is another applicable alternative to those looking for a safe negative income, with the FGC guarantee guarantee feature, which reduces risk.
To generate $ 4,554.00 per month with CDBS, it will be necessary to invest about $ 600,000, given the average profitability from 0.8 % to 1 % per month. Although this option is more conservative, it provides a predictive profitability, which makes it attractive to risk investors.
How to facilitate the process of generating negative income?
To make the process of generating passive income more efficient, it is important to follow some guidelines:
- Diversification: Investing in different types of assets, such as Fiis, procedures and CDBS, can reduce risks and increase opportunities to reach the goal of negative income.
- Reintegration of profits: Initially, the income obtained can be reinforced to accelerate the growth of your assets, until the goal of $ 4554.00 per month is reached.
- Risk file evaluation: Depending on risk tolerance, you can choose more conservative investments (CDBS) or more bolder (such as stocks or real estate).
- Continuous Follow -up -OP: Maintaining regular follow -up on your investments by controlling your strategy when necessary is necessary to ensure the required profitability.
The generation of negative income is the minimum minimum wage is an investigation goal, but it requires investment planning and options that are in line with your financial goals and a risk definition file. Investments such as FIIS, profit procedures, CDBS and real estate are some options that can provide this type of income regularly, which helps to ensure long -term financial stability. By combining different sources of negative income, it is possible to achieve very desirable financial freedom and greater security for the future.
