RICO VALE A PENA? Como investir? Como funciona? É seguro? | SAIBA TUDO SOBRE A CORRETORA RICO!

Investing with Rico: Is It Worth It?

Opening an Account

• The speaker discusses the benefits of investing through the broker Rico, highlighting a CDB with daily liquidity that yields 400% of the CDI.

• The account opening process is streamlined as Rico belongs to XP; personal data was imported, making it quick and easy.

• The app's interface resembles that of XP, featuring similar colors and layout, which suggests shared technology between the two platforms.

User Experience and Feedback

• The speaker emphasizes their commitment to providing an unbiased review, clarifying that this is not a sponsored video.

• They check user ratings on Android, noting a score of 4.3 out of 5 based on 264,000 evaluations—indicating strong user satisfaction.

• On "Reclame Aqui," a platform for consumer complaints, they find that 17% of issues relate to service quality but overall resolution rates yield an impressive score of 8 out of 10.

Credit Card Features

• Rico offers a credit card option requiring at least R$1,000 invested to apply; it features no annual fee and provides travel insurance when used for international purchases.

• The card includes cashback (investback), where spending can earn up to 1% back in investments; funds are placed in a liquidity fund yielding around 100% CDI.

• While interest rates on unpaid balances can be high (up to 3.5%), this aligns with typical Brazilian credit card standards.

Investment Insights

• The speaker plans to explore investment options available through Rico further in the discussion.

Investment Advisory Services Overview

Types of Investment Advisory Levels

• The speaker discusses their investment advisor, highlighting the ability to contact them via phone or email. They mention having an account with XP and being classified under a specific advisory level.

• The highest advisory level mentioned is "Direct Plus," which offers comprehensive digital support. This includes personalized portfolios for investors with up to R$50,000.

• The "Direct" level provides similar benefits as Direct Plus but adds exclusive mentorship and direct WhatsApp communication with the advisor.

• Direct Plus also includes options for in-person meetings, allowing clients to discuss investments over coffee or video calls, enhancing personal interaction.

Comparison of Investment Platforms

• The speaker compares BTG Pactual's offerings, noting its CDB (Certificate of Deposit) product that provides higher liquidity than Nubank at 101% of CDI. They emphasize BTG's reputation as one of Brazil's most stable brokerage platforms.

Setting Financial Goals

• A tool is introduced for setting financial goals like creating an emergency fund. For example, if monthly expenses are R$1,000, a recommended emergency fund would be R$12,000 based on a 12-month target.

• The platform suggests monthly investments needed to reach this goal and allows comparisons between different investment vehicles such as savings accounts versus funds.

Exploring Fixed Income Investments

• The discussion shifts to fixed income investments available without additional fees. There are numerous options despite market closures during recording time.

• Various types of CDB products are mentioned; however, due to timing constraints in capturing data, not all options could be explored live.

Treasury Securities and Promotions

• The speaker navigates through treasury securities available in the secondary market and highlights potential returns from LFT (Tesouro Selic).

• A promotional CDB offering 400% per annum is discussed alongside another option at 150%, emphasizing accessibility through referrals where friends can help unlock these rates.

Calculating Returns on Investments

• Details about liquidity features are provided; the minimum investment starts at R$1 with a maximum cap at R$3,000.

• An example calculation shows how investing R$3,000 could yield significant returns based on current Selic rates while factoring in tax implications for early withdrawals within six months.

This structured overview captures key insights from the transcript while providing timestamps for easy reference back to specific parts of the discussion.

Investment Strategies and Tax Implications

CDB Investment Analysis

• The speaker discusses the potential returns on a CDB investment, highlighting that an investment of R$3,000 could yield R$8 in one month, showcasing a good return rate.

• A comparison is made with Sofisa's CDB offering 110% of CDI, which does not have the same R$3,000 limit and offers better long-term tax benefits as the tax rate decreases over time.

• After two years without withdrawals, the investment could grow to R$3,617 despite higher taxes compared to other options; this emphasizes the importance of long-term holding for maximizing returns.

Promotional Offers and Referral Programs

• The speaker mentions promotional opportunities with Sofisa where users can earn money by referring friends without limitations on how many friends can be referred.

• Links are provided for viewers to open accounts with Sofisa or Icoval to take advantage of these promotions.

Trading Options and Custody Services

• Discussion shifts to trading strategies such as swing trading, which involves holding investments for short periods (days to weeks), though it is noted as risky.

• The concept of "Custódia Remunerada" is introduced where investors can rent out their assets like stocks or real estate funds for additional income while retaining ownership.

User Experience in Trading Platforms

• The interface for investing in specific stocks like BRF is described as user-friendly, allowing real-time price tracking and easy order placement.

• Details about viewing market orders and executing trades are shared; users can buy any quantity they wish if funds are available.

Fees and Limitations in Investments

• Information about zero brokerage fees for certain transactions at Rico is provided; however, there are some costs associated with buying shares.

• A limitation regarding investing in Tesouro Direto through Rico due to account restrictions at XP is mentioned. This highlights challenges faced by investors using multiple platforms.

Challenges with Treasury Investments

• The speaker notes issues accessing treasury titles due to market fluctuations affecting availability on platforms like Rico during economic instability.

• Criticism is directed towards complex naming conventions used for treasury securities (e.g., LTN), suggesting simpler terminology would enhance understanding among investors.

Investment Options and Features of Rico

Overview of Investment Scheduling

• The platform allows users to schedule investments in the Tesouro Direto, specifically in Tesouro Selic, over a period of time (e.g., R$1,000 for 9 months). Not all brokers offer this feature.

Account Features and Benefits

• Users can open a current account with benefits such as free PIX transactions and 24-hour access to ATMs. This enhances convenience for managing funds.

Application Usability

• The Rico app is noted for its user-friendly interface, which is considered cleaner and easier to navigate compared to competitors like XP.

Cost Structure Comparison

• Rico does not charge brokerage fees for stock trades or real estate funds, making it advantageous for small investors. In contrast, XP has reduced but still charges fees.

Suggestions for Improvement

• Despite its strengths, there is a lack of a remunerated account option similar to Nubank's offerings. A daily liquidity CDB would enhance the platform’s appeal as an emergency fund solution.

Overall Impression

• The speaker expresses satisfaction with Rico as a primary brokerage choice but notes that the absence of certain features could improve its competitiveness against other platforms like Nubank.

Alternative Investment Options

• Mentioned alternatives include Mercado Pago's security fund, which reportedly offers better returns than Tesouro Selic recently. Further analysis on this topic is available in another video linked above.