2023-10-20 14:23:27
Real estate funds have become an increasingly popular option among Brazilian investors. With the possibility of receiving monthly rent without the need to buy a property, many people are discovering the benefits of this type of investment. But following all, how much is it possible to earn with 500 thousand reais invested in real estate funds?
The Concept of Real Estate Funds
Before calculating returns, it is important to understand the concept behind real estate funds. These funds are made up of a set of real estate assets, such as corporate buildings, logistics warehouses, shopping malls, hospitals and universities. When investing in a real estate fund, you acquire shares and become the owner of a fraction of these properties.
In addition, there are also funds that trade debt securities related to the real estate market, such as CRIs (Real Estate Receivables Certificates). These funds, known as “paper funds”, have potentially greater profitability, but are also riskier compared to funds that invest in physical properties.
The Investment Portfolio
There are several real estate funds available on the market, each with its own characteristics and investment strategies. When building a portfolio of real estate funds, it is important to diversify investments to reduce risks. Let’s analyze a theoretical portfolio that can serve as a reference for the income of 500 thousand reais invested in real estate funds.
| Ticker | Bottom | Segment | Allocation | Investment | Dividend Yield – Outubro/2023 | Estimated Yield |
|---|---|---|---|---|---|---|
| CPTS11 | Capitânia Securities | Titles and Val. Mob. | 17% | R$ 85.000 | 0,60% | R$ 510,62 |
| RBRR11 | RBR Rendimento High Grade | Titles and Val. Mob. | 17% | R$ 85.000 | 0,73% | R$ 620,09 |
| KNCR11 | Kinea Real Estate Income | Titles and Val. Mob. | 17% | R$ 85.000 | 1,10% | R$ 937,16 |
| PVBI11 | VBI Prime Properties | Corporate Slabs | 17% | R$ 85.000 | 0,65% | R$ 552,05 |
| XPML11 | XP Malls | Malls | 17% | R$ 85.000 | 0,75% | R$ 640,51 |
| RBRF11 | RBR Alpha | Multistrategy | 15% | R$ 75.000 | 0,67% | R$ 501,82 |
| Total | 100% | R$ 500.000 | 0,75% | R$ 3.762,26 |
This theoretical portfolio is made up of six real estate funds from different segments, such as securities, corporate buildings, shopping malls and multi-strategy. The allocation was done in a balanced manner, with each fund representing a percentage of the total portfolio.
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Estimated Income
Considering the portfolio above, an investment of 500 thousand reais might generate a monthly income of approximately 3,762.26 reais, according to the simulation carried out by the BTG Pactual allocation analyst. The estimated average monthly return is 0.75% in relation to the amount invested in the portfolio.
It is important to highlight that past performance does not guarantee future gains, and variations in the value of shares can affect the total profitability of the investor’s portfolio. Real estate funds are variable income investments, and the amount invested and the volume of dividends may fluctuate according to the performance of the portfolio and the behavior of shares on the stock exchange.
Investing in Real Estate Funds with Fewer Resources
It is not necessary to have 500 thousand reais to start investing in real estate funds. These funds are accessible from shares that cost around 8 reais. There are several real estate funds whose shares are traded in the range of 10 reais, which makes the investment more accessible for small investors.
An interesting option for those who want to start investing in real estate funds is to create a portfolio with different funds, diversifying investments and reducing risks. BTG, for example, has a recommended portfolio that can be replicated with approximately 1.38 thousand reais.
This diversified portfolio, which takes into account different segments and investment strategies, has shown a positive performance in recent months, with an appreciation of 15.7% in the last 12 months, while Ifix, the index of the most traded real estate funds on the stock exchange, had an appreciation of 7.7%. This difference in performance is mainly attributed to the diversification of investments.
Conclusion
Real estate funds can be an interesting option for investors who want to receive monthly rent without the need to buy a property. With a diversified portfolio of real estate funds, it is possible to obtain monthly income from an investment of 500 thousand reais.
It is important to remember that each investor must analyze their own financial needs and objectives before investing in real estate funds. Past performance does not guarantee future gains, and it is essential to closely monitor portfolio performance and market variations.
Investing in real estate funds can be a way to diversify investments and enhance returns, but it is important to always seek up-to-date information and rely on the help of specialized professionals to make investment decisions.
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