The 5 Best Investments for Beginners Starting from Zero in 2026

[00:01] your entire life, I have two pieces of news for you, one good and one bad. Great, years to start. The bad news is that every day you delay is money you're saying this, it's the numbers, okay? Interest rates in Brazil are so high today

[00:15] simplest investments are at risk. More rice and beans on the market are yielding more than 1% per month. And checking account, earning zero interest. Stick with me and I'll show you five perfect investments for those who have never invested before. Let's go.

[00:30] invested before. Let's go. [music] from scratch. Zero, zero total, zero even. Never opened a brokerage firm in direct treasury" is the name of a video game? Everything's fine, normal. I

[00:44] going to resolve this now. I'm going to present you with five investments, ranging from the with updated data from April 2026. And you'll leave this video knowing exactly where to put your money. No beating around the bush, no economizing, no

[00:58] guru talk. Let's go. Investment number one, Selic Treasury bonds. Look, if Brazilian should know about, it's this one , right? The SELIC Treasury bond is basically federal government. Exactly. But seriously, the government needs it, brother. Lend them the money, they

[01:11] pays you interest for it. Simple as that. That 's the deal, OK? You lend money, and the government ends up owing you interest. Today the SELIC rate, which is the rate that regulates these interest rates, is at 14.75% per year. This means that if you invest R$ 1,000 in

[01:24] Treasury Selic now, in one year you will have approximately R$ 11,112 net, right? Income tax has already been deducted . R$112 profit without doing anything, just leaving the money there. Oh, Ped, but R$ 112, calm down, compare it to

[01:38] savings account would yield around R$ 77 per year. In other words, the Tesouro Celic pays almost 50% more than savings accounts. Do you understand? and with the same real security actually even more security, because the treasury is guaranteed by the

[01:52] have to make sure you have a deal with the bank there. Another absurd advantage, OK? Up to R$ 10,000 invested in Treasury Selic bonds is exempt from the B3 custody fee. In other words, it good for, Peter? Emergency fund. It's the kind of money you

[02:06] redemption process takes place within one business day. You order today, it'll be in your account tomorrow. That's need it. It's yielding more than 14 and something here a year. PS is too good. Investment number two, CDB with daily liquidity. CDB stands for

[02:20] Certificate of Bank Deposit. Translating for you, to get this lend money to the bank, and the bank pays you interest. That's it. It's similar to to a financial institution. Comb, but is lending to the bank safe?

[02:34] Yes, because the FGC exists, right? The credit guarantee fund. So it protects your money up to R$ 250,000 per CPF (Brazilian individual taxpayer registration number) and per institution. So let's go. If the bank fails, you get back up to that amount. That same protection also

[02:47] exists in savings accounts, by the way. OK. But what is the advantage of a CDB over Treasury bonds? There are digital banks offering Certificates of Deposit (CDBs) that pay 100% of the CDI rate or even more. The CDI today is very mentioned to you. So, we're talking about something around

[03:00] 14.90% gross per year. There are banks paying 105%, 110% of the CDI rate, some with daily liquidity, right? In other words, you can redeem it whenever you want. You realize that 105%, 110% of the CDI is already more than the Selic rate itself. I

[03:15] 'll give you a real example. Let's go. Investing R$ 1,000 in a CDB (Certificate of Deposit) yielding 105% of the CDI (Interbank Deposit Certificate) rate over 12 months results in approximately R$1,111 net. That's R$ 40 more than a savings account would yield. It seems like a small amount. Now multiply that by

[03:28] 10,000, or 50,000 over 5, 10 years. The difference is brutal, okay? And what is it for emergency fund or for a short- term goal, such as a trip, a course, or a new cell phone. Investment number three: LCI and LCA. Well, LCI stands for

[03:42] Real Estate Credit Note, LCA stands for Agribusiness Credit Note . The names are complicated, incredibly simple. You lend money to the bank, the bank uses that money real estate sector or the agribusiness sector, and pays you interest. Okay, but what's the

[03:55] difference between it and a CDB? One word: tax. LCI and LCA are exempt from income tax for individuals. Zero tax. All the money that comes in is yours. Generally, L and LC (Letra de Crédito) pay around 90% of the CDI (Certificado de Depósito Interbancário - Interbank Deposit Certificate). It seems less than the CDB, does

[04:10] practice the net income ends up being very similar, or even higher, depending on the term. I'll do the math so you have an idea. Investing R$1,000 in an LCI (Real Estate Credit Bill) at 90% of the CDI (Interbank Deposit Certificate) yields around R$134 per

[04:23] year. Clean, no discount whatsoever. Even though a CDB (Certificate of Deposit) yields more in gross terms than 100% of the CDI, after income tax of 17.5%, the net return is around R$ 123. See? The LCI yielded more in your pocket. There's just one

[04:37] detail: most LCs (Letters of Credit) have a minimum grace period, you understand? Usually 90 days. So it's not suitable for an emergency fund, right? Because, look, you need an in emergencies, you understand? You're going to try to withdraw the money, and you'll be stuck there for that

[04:49] you won't need in the very short term. That's cool. What is it for? years. It's like money for a down payment on an apartment, a car, or a know it will be later on, it's already earning interest, you'll withdraw it

[05:03] real estate funds. Okay, so now we're moving away from fixed income and into the worry, there's no need to be afraid, man. I really like this. I've already told you guys this a lot, haven't I? FI FI FI is probably the

[05:17] . What is this, Peter? FI stands for is a group of investors who pool their money to buy large properties, such as shopping malls, logistics warehouses, hospitals, buildings,

[05:30] are rented out and the rental income is divided among all the shareholders. You a portion of that rent. This profit arrives in your account every month in the form of receiving rent, you're actually receiving

[05:45] between you and me, it's the same thing. And the best part is, these dividends are exempt from money. There are no stocks with shares below R$10. MXRF11, which is one of the largest in Brazil with over 900,000 shareholders, has shares in the range of R$9 or

[05:59] R$10. With R$100 you can already build a position. And how much does it yield? Many month in dividends, or in other words, in profitability. OK? The name is difficult, isn't it? Dividend, but those guys come up with complicated names just to

[06:13] scare you. But it's not profitability. There are paper-based options, and they're paying even more. OK? And remember, it's exempt from income tax. Now, pay attention, this is a variable income investment; the share price goes up and down according to the market. You can see your net worth drop 10, 15% during

[06:25] fundamentals of the real estate fund are good, dividends will continue to be deposited into falls. In other words, it's like you have a house that you're renting out, an apartment, you put it up for rent, the value of the apartment might go down, but the

[06:38] receiving it, you understand? It's counterintuitive, but that's how it is. And what is it for? Building a monthly passive income stream. A large part of our portfolio is, in short... a salary without you having to work for it. Investment number five,

[06:51] ETFs. ETF stands for exchange-traded fund, which is basically an stock exchange, just like a stock, right? But instead of buying just one company, you buy a package of several companies all at once . The most famous example in

[07:04] Brazil is BOVA 11, which replicates the Ibovespa. It's like, you know that little drop of it. It's a tiny drop of the Ibovespa index for you to invest in. The Ibovespa is the main index of the Brazilian stock exchange. So, it's replicating the main index of the

[07:17] single share of BOVA 11, you're investing in the biggest companies in Brazil at the same time. So you're investing in Petrobras, Vale, Itaú, Weg, if you want to invest abroad, there's IVVB11, which replicates the SP500,

[07:33] the main index in the United States. Here you have BOVA 11, which replicates the replicates the Ibovespa in the United States, which is the SP500, you have IVVB1, you understand? By buying this ETF, you're investing in companies like Apple,

[07:46] Microsoft, Google, and Amazon, without needing to open an account abroad. Comb, but does ETF pay Brazilian ETFs automatically reinvest dividends back into the fund. money in your account, the return from your share grows over time. It's like

[07:59] Guys, so, the beauty of ETFs for beginners choose stocks, you know? Oh man, what am I going to do here? You don't need to analyze equity balance sheets, nothing like that. The index already curates the information for you. It's the

[08:11] simplest way to invest in the stock market without needing to become an expert. What is it for Long-term wealth growth. Long term. This is money you won't need for 5, 10, or 20 years. Historically, the stock market is the investment that yields the highest returns in the long

[08:24] term. Point. OK? Now I know that a lot of people are going to watch this video and start in practice?" Because you said five, Petro. And now? Simple. Open a free, it takes 5 minutes. It's clear that I 'm not advertising for

[08:37] any brokerage firm. Transfer whatever amount you can there, okay? If it fits within your 100, and you make your first investment in Treasury Selic bonds or a CDB with an investor. Once you have

[08:50] you can start looking at REITs and ETFs, one step at a time, without rushing, but without stopping, okay? The truth that nobody talks about is that the biggest risk in Brazil in 2026 is not investing, it's not investing. Because the lavish spending is yielding less than 8% on

[09:04] leave money idle are getting poorer every month without realizing it. Saving money will make you poor. Not poor. Impossible. That's not possible. Saving money will money under your mattress. It's a little bit better than keeping money under your

[09:17] in legal investments, like the one I mentioned here, is a day that favor. And compound interest, man, is the eighth wonder of the world, right? But it only see in practice how much each of these investments yields with real-world figures,

[09:30] with detailed simulations. But for that to work, I need you to subscribe to the channel show you this video. So click the button, turn on notifications, and come with me on video. Thank you from the bottom of my heart, until next time. Thanks, bye.