5 (5) Using the Portfolio Withdrawal Calculator, for Brazil I ran some scenarios on the 4% rule over different time periods. I changed time periods and the mix of Ibovespa and Selic to see where the safe withdrawal rate in Brazil breaks down. Let’s take a look. [This is not investing advice. Don’t make financial…

5 (1) I was looking at the chart of Brazilian economic data since the Real Plan. Here it is: Check out the Selic rate both before and after 2007. Do you see anything? I noticed that is the first point in time the Selic has never exceeded 15%. Interesting… It led me to perform some…

0 (0) Tying into the theme of the last post *updated* Are you better off keeping money in Brazil or the US?, which related to keeping cash at the cash rate in either country, what about risk assets? Using 1995-2023 data, let’s see how the Brazilian investor would have done in various assets. Above you…

0 (0) *check out the calculator at the end of this post* * New update: check out the Spoiler Alert section at the end where I calculated every possible combination of years between 1995-2023, allowing for a minimum length of 5 years time and posted a summary of the results* The title is a bit…

5 (1) For those interested in some of the details of my portfolio allocation, here we go… None of the charts or details that follow involve illiquid assets, such as private stock or real estate. The majority of my investments are in Brazilian assets. Because I spend money in Brazil, I want to avoid the…

5 (1) Hello friends, The Portfolio Withdrawal Calculator, for Brazil has been updated with a new feature and some fixes. Special thanks to “Investidor Moderado” who posted a comment earlier here which inspired the new feature. While implementing the suggestion, I found some bugs and fixed those too. I also added some notes on the…