Quanto aplicar para ter uma boa renda passiva?

Investir no mercado financeiro e conseguir extrair mensalmente uma renda passiva é o desejo de muitos. Mas quanto eu tenho que aplicar para conseguir a renda? Acompanhe e descubra.

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Há diversos investimentos que podem oferecer renda passiva. Dentre eles há dois que se destacam. Eles são os fundos imobiliários e as ações.

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Na renda fixa também há boas opções de investimentos que podem gerar renda, dentre eles as letras do Tesouro IPCA com juros semestrais.

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Tais letras fazem pagamentos semestrais e são corrigidas pela inflação e por uma taxa de juro prefixada. Vale destacar que as letras de vencimento curto sofrem menos com a volatilidade.

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Dentro da renda variável há as ações e os fundos imobiliários. Existem boas empresas que registram lucros e fazem distribuições de lucros.

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Os dividendos pagos por essas boas empresas geram renda passiva ao investidor. A título de curiosidade, a CPLE11 (Copel) possui um dividend yield de 16,7% atualmente.

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Com tamanha rentabilidade, o investimento de R$ 100.000,00 na empresa poderia gerar uma renda passiva de R$ 16.700,00 ao ano (caso o dividendo permaneça no mesmo nível).

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Outro investimento de renda variável que oferece boa renda são os FII. A maioria dos FII distribuem rendimentos mensalmente.

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Há diversos FIIs pagando mais de 1% ao mês e líquidos de IR. Por exemplo: o FII IRDM11 possui um rendimento na casa dos 1,2% ao mês.

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Com essa rentabilidade, R$ 100.000,00 investidos poderiam gerar uma renda mensal de R$ 1.200,00. É praticamente um salário mínimo ao mês.

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Uma forma de reduzir os riscos de investir na bolsa é diversificando a carteira. No começo, dê mais preferência à renda fixa e depois vá ampliando os investimentos na renda variável.

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