Como investir prêmio para viver de renda?

A 24ª edição do Big Brother está entregando o maior prêmio da história do programa

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Com isso, a pergunta que não quer calar é: dá para viver de renda com o prêmio do reality?

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Todos os analistas ouvidos pelo BPMoney deram uma resposta unânime

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Em resumo, sim! É possível viver de renda passiva com o prêmio do BBB 24

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Vale lembrar que, para investir, deve-se considerar o perfil do investidor

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Renan Diego, educador financeiro, pontua que o melhor caminho para os inexperientes é a renda fixa

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“Começando pelos títulos do Tesouro Direto, que são os investimentos mais seguros do país”

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Falando em investimentos seguros e livres de imposto de renda, a poupança é uma boa opção

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Na simulação feita por Renan, investindo cerca de R$3 milhões, os retornos mensais seriam os seguintes:

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* R$ 20.100,00 (Poupança) * R$ 22.085,93 (Tesouro prefixado) * R$ 20.796,85 (Tesouro Selic) * R$ 19.145,21 (Tesouro IPCA+) * R$ 22.635,20 (CDB 110%CDI)

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Atualmente, a poupança rende 0,50% ao mês + TR (Taxa Referencial)

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O percentual do rendimento ocorre sempre que a Selic está superior a 8,50%, que é o caso atual

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LCA e LCI também são boas alternativas para investir o prêmio do BBB 24

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No universo da renda fixa, existem as Letras de Crédito, sendo Imobiliárias (LCI) e do Agronegócio (LCA)

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Os títulos se destacam por também serem livres de IR e serem assegurados pelo FGC

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O especialista em finanças e investimentos, Hulisses Dias, explica essas opções

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“Com retorno pós-fixado a 93% do CDI geraria uma renda de R$ 24.100 sobre capital de R$ 2.920.000”

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Raphael Carneiro, planejador financeiro, entende que, em 12 meses, o prêmio pode chegar a R$ 3,18 milhões

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Os ativos que também foram muito mencionados entre os especialistas foram os que rendem “a taxa Selic”

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Lucas Sharau, sócio da iHub Investimentos, acredita que pode ser uma maneira mais eficiente de aplicar o capital

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Já caso o vencedor queira investir em papéis da B3, os especialistas sinalizaram bons setores

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Varejo, telefonia, saneamento básico, óleo e gás, construção civil, bancos e commodities, são exemplos

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O consenso frisou a importância de uma carteira diversificada e o acompanhamento profissional

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