Hello friends. The Portfolio Withdrawal Calculator, for Brazil has been updated. The retirement calculator update includes the ability to include S&P500 in BRL as a portfolio allocation option.
As you may know this was the most popular new feature voted in the recent poll.
Simply adjust the “Percent S&P500” to the desired portion of your portfolio. While testing, I noticed a full allocation tot he S&P500 does not seem to product the best results,. but a partial allocation does improve results.
Try it and let us know in the comments. For some interesting results, try:
- Years 2000-2011 (bad years for the S&P/Dollar)
- 100% S&P500 vs 33/33/34% which are the default values.
- Try various percentage allocations and let us know the best results in the comments!
S&P500 In BRL returns data
| Year | S&P Return | USD-BRL Exchange rate | Annual return of USD-BRL | Combined return of currency and S&P | Growth of R$1000 in S&P, converted to BRL |
|---|---|---|---|---|---|
| 1995 | 37.58% | 0.918 | -8.23% | 26.25% | R$1,262.53 |
| 1996 | 22.96% | 1.005 | 9.53% | 34.68% | R$1,700.31 |
| 1997 | 33.36% | 1.078 | 7.25% | 43.03% | R$2,431.98 |
| 1998 | 28.58% | 1.161 | 7.66% | 38.42% | R$3,366.43 |
| 1999 | 21.04% | 1.814 | 56.30% | 89.19% | R$6,368.96 |
| 2000 | -9.10% | 1.829 | 0.85% | -8.32% | R$5,838.82 |
| 2001 | -11.89% | 2.350 | 28.44% | 13.16% | R$6,607.48 |
| 2002 | -22.10% | 2.920 | 24.29% | -3.18% | R$6,397.50 |
| 2003 | 28.68% | 3.077 | 5.38% | 35.60% | R$8,675.19 |
| 2004 | 10.88% | 2.925 | -4.95% | 5.39% | R$9,142.85 |
| 2005 | 4.91% | 2.434 | -16.78% | -12.69% | R$7,982.61 |
| 2006 | 15.79% | 2.175 | -10.64% | 3.47% | R$8,259.43 |
| 2007 | 5.49% | 1.947 | -10.49% | -5.58% | R$7,798.59 |
| 2008 | -37.00% | 1.834 | -5.82% | -40.67% | R$4,627.24 |
| 2009 | 26.46% | 1.999 | 9.03% | 37.88% | R$6,380.23 |
| 2010 | 15.06% | 1.759 | -12.01% | 1.24% | R$6,459.17 |
| 2011 | 2.11% | 1.673 | -4.91% | -2.90% | R$6,271.55 |
| 2012 | 16.00% | 1.953 | 16.75% | 35.43% | R$8,493.74 |
| 2013 | 32.39% | 2.156 | 10.39% | 46.15% | R$12,413.76 |
| 2014 | 13.69% | 2.353 | 9.13% | 24.07% | R$15,401.82 |
| 2015 | 1.38% | 3.327 | 41.39% | 43.34% | R$22,077.58 |
| 2016 | 11.96% | 3.491 | 4.94% | 17.49% | R$25,939.58 |
| 2017 | 21.83% | 3.191 | -8.59% | 11.36% | R$28,887.38 |
| 2018 | -4.38% | 3.654 | 14.49% | 9.48% | R$31,624.59 |
| 2019 | 31.49% | 3.944 | 7.95% | 41.95% | R$44,890.93 |
| 2020 | 18.40% | 5.155 | 30.69% | 54.74% | R$69,464.87 |
| 2021 | 28.71% | 5.394 | 4.64% | 34.68% | R$93,557.16 |
| 2022 | -18.11% | 5.164 | -4.27% | -21.61% | R$73,341.27 |
| 2023 | 26.29% | 4.994 | -3.28% | 22.14% | R$89,580.86 |
Enjoy!
-Sirsandals
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