Summary of O FUNDO DE INVESTIMENTO DO PRIMO RICO É FURADA?

00:00:00 - 00:25:00

The speaker, who is a confidor do Atlético Paranaense and Tiago Negrão's familiar with the investment community, discusses the new fund of investments that Tiago Negrão recently launched, Arcangão, a pension fund at the club. He points out that, despite Tiago Negrão's history of collaboration with the Primó group, the club does not have a commercial relationship with the group. He emphasizes that his relationship is one of admiration and gratitude, acknowledging the central role that Tiago Negrão played in giving him the confidence to start publishing videos on YouTube. The speaker discusses the importance of understanding the advantages and disadvantages of investing in private pension plan s and contrasting them with those available in the market. He offers the perspective that the primary benefits of a pension plan are a long-term investment that can grow over time, with more consistent returns compared to term deposits, bonds, or stocks. Additionally, the pension plan offers several benefits such as life insurance and retirement income, which can often be more secure than other investment types. The speaker then proceeds to discuss the advantages and disadvantages of investing in various mutual funds, including the case of the Primo Rico fund.

• 00:00:00 In this section, Ramiro Gomes Ferreira, the confidor do Atlético Paranaense and Tiago Negrão's familiar with the investment community, provides his thoughts on the new fund of investments that Tiago Negrão recently launched, Arcangão, a pension fund at the club. Ramiro discloses that he and the club do not have a commercial relationship with the Primó group, despite Tiago Negrão's history of collaboration with the group. He emphasizes that his relationship is one of admiration and gratitude, acknowledging the central role that Tiago Negrão played in giving him the confidence to start publishing videos on YouTube. Ramiro discusses the importance of understanding the advantages and disadvantages of investing in private pension plans and contrasting them with those available in the market. He offers the perspective that the primary benefits of a pension plan are a long-term investment that can grow over time, with more consistent returns compared to term deposits, bonds, or stocks. Additionally, the pension plan offers several benefits such as life insurance and retirement income, which can often be more secure than other investment types. Ramiro concludes by emphasizing the need to approach investment decisions with an informed perspective, considering individual circumstances, risk tolerance, and financial goals.
• 00:05:00 In this section, the speaker discusses the advantages of investing in mutual funds, specifically the fund Vanguard Grão Arco Fernandes Filho. The first advantage mentioned is the tax efficiency, which is more favorable for investors in the long-term, as impostos are lower in such cases. Additionally, the absence of a comutação tax raises the question of whether it's better to invest for the short-term or the long-term. The speaker then delves into the material provided on the Vanguard Grão Arco Fernandes Filho fund's website, highlighting how it has less favorable investment conditions compared to the other available funds in the market, meaning that it is less advantageous in the short-term. Furthermore, the low cost of the fund along with the fact that it's not available to everyone makes it less attractive for investment in the long-term as well.
• 00:10:00 In this section, the speaker begins by mentioning the prevalence of politics in the investment world. He notes that while most funds have long-term policies that can be beneficial after a decade or more, many plans have high taxes that can eat away at returns. He points out that these taxes can vary widely between individual tax plans and may not be suitable for everyone. The speaker then proceeds to discuss the case of the "Primo Rico," a retirement plan that was created by a renowned Brazilian businessman. He notes that at first, many billed it as a revolutionary fund that would guarantee returns and attract large investments. However, once the fund began to underperform, its reputation took a hit. The speaker proceeds to detail several properties of the "Primo Rico" fund, including its focus on real estate investments. He notes that there is a limited amount of investment that can be made internationally, and that the fund managers will focus primarily on Brazilian investments. He also mentions that the fund has a specific strategy for diversifying its portfolio. Overall, the speaker's main point is that the "Primo Rico" fund is not suitable for everyone, and that investors should carefully assess its suitability for their specific financial situation and goals.
• 00:15:00 In this section of a video titled "O FUNDO DE INVESTIMENTO DO PRIMO RICO É FURADA?", the speaker discusses the strategy of investing in shares of other funds. They emphasize the importance of finding the fund with the highest tax-efficiency. They explain that the tax rate for the arca grande fund is 0.59% per annum, with an additional charge for performance. Using CVM, the site for the investor's fund of investment, the speaker navigates to the arca grande fund and finds a tax rate of 0.59% per annum. They also mention that the arca grampo fund, another fund of investment, can charge a maximum tax rate of 2.59% per annum, and the speaker shows a simulation to illustrate the impact this could have on the total tax paid.
• 00:20:00 In this section, the speaker discusses the factors that affect the annual return of a fundos de acciones fund. The speaker first explains that the return on the fund is calculated by taking into account the weight of each class of assets, the tax rate of each, and the expected rate of return for that asset. The speaker then mentions two funds, Arca and Arcagrão, which have different strategies and expected returns. According to the speaker, the member of wellf's management team who is responsible for managing these funds believes that they will have a higher return than the average rate of return for funds of this type. The speaker then goes on to explain that they will conduct simuations to compare the performance of these funds with that of other investment options in the market.
• 00:25:00 In this section, the speaker discusses the similarities and differences between the Backstress of the club's portfolio and the Grão fund, which is used for investment in the stock exchange. The speaker argues that while the Grão fund has slightly lower returns, it is still an excellent investment for the long-term. The speaker explains that investing in this fund and Club do Valor is worth it, as they both provide good returns and are backed by credible institutions. He also praises the risk tolerance and courage of both the fund manager and the dog pounds. The speaker argues that the Grão fund and Club do Valor provide an excellent opportunity to invest in the stock market and Revolution and it is a great opportunity to help people who have made poor investments previously.