[AULA 01] COMO MONTAR UMA CARTEIRA DE INVESTIMENTOS DO ZERO EM 2026

Investing Zero Total in Three Steps

Introduction to the Course

• The course titled "Investing in Practice 2026" begins, emphasizing January as an ideal month for starting investments.

• The instructor expresses excitement about the live sessions and encourages participation, highlighting that there will be eight free online classes with materials like e-books and spreadsheets.

Importance of Live Participation

• The instructor stresses the value of attending live sessions for better engagement and surprises planned for participants.

• Alberto Pompeu introduces himself and his mission: to teach people how to retire through simple investment strategies.

Understanding Basic Investment Concepts

• The term "feijão com arroz" (rice and beans) is introduced as a metaphor for simplicity in investing—focusing on straightforward methods that work.

• Key investment areas include good stocks, real estate funds, fixed income, and U.S. markets; the goal is to make these concepts understandable even for children.

Commitment from Participants

• Alberto calls for commitment from attendees regarding their future and family’s financial well-being, encouraging them to express this in comments.

• He announces the start date of the course on January 12 at 8:08 AM Brasília time.

Course Structure and Spiritual Element

• The instructor mentions having a supportive team behind him during the course delivery.

• Each session will begin with a prayer, linking spirituality with learning about investments; he emphasizes placing God above all else.

Engaging with Participants

• Alberto shares his preparation journey over 40 days leading up to this course, expressing hope that participants will learn together effectively.

• A prayer is conducted asking for blessings over the course content and participants' families, inviting viewers to engage by typing "Amen" in comments.

Building Community Through Interaction

• Alberto acknowledges viewer participation during live sessions by reading comments aloud, fostering a sense of community among attendees.

• He encourages active involvement throughout the short but impactful course duration while maintaining high energy levels among participants.

Understanding Investment Opportunities in Brazil

Current Economic Landscape

• The speaker introduces Diego and mentions the importance of visual aids to illustrate investment opportunities in Brazil.

• A comparison is made between Ibovespa, CDI, and savings accounts, highlighting that the Selic rate is at its highest in 20 years at 15% per year.

• The high Selic rate indicates uncontrolled inflation; historically, this leads to a decline in stock market performance. However, an unprecedented phenomenon occurs where the stock market reaches record highs despite high Selic rates.

Historical Context and Future Predictions

• The speaker reflects on past trends where high Selic rates led to falling stock prices but suggests that current conditions may differ due to unique economic factors.

• Emphasizes the importance of learning investment strategies now before potential changes occur in 2026 during elections and World Cup events when economic instability may rise.

Importance of Knowledge and Discipline

• Stresses that those who educate themselves about investments will reap significant rewards while those who do not may face financial losses.

• Encourages viewers to maintain discipline and focus on their learning journey regarding investments.

Engaging with the Audience

• The speaker acknowledges existing students who understand that knowledge surpasses monetary value, inviting them to engage through comments.

• Introduces himself as Alberto, sharing his educational background and experience impacting over 70,000 students online.

Challenges and Misconceptions About Investing

• Discusses common myths surrounding investing such as needing substantial capital or relying solely on government pensions like INSS for retirement security.

• Advocates for personal investment management over dependency on traditional systems which can perpetuate ignorance about wealth accumulation.

Steps Towards Wealth Creation

• Outlines three fundamental steps for starting investments: developing a wealth mindset by affirming one's financial goals positively.

• Encourages participants to embrace a community focused on prosperity and financial growth.

Overcoming Fear and Embracing Investment

The Importance of Mindset

• The speaker emphasizes the necessity of overcoming fear in speaking and writing, suggesting that this mindset shapes future focus and attention.

• He shares his personal journey from financial struggle with only R$ 2,000 in savings to a desire to invest, highlighting the initial fear of entering the stock market.

A Pivotal Moment in His Journey

• Describes a significant encounter at an investment office where he felt welcomed but soon faced ridicule when revealing his limited investment capacity.

• The reaction from the investment advisor and others present left him feeling humiliated, triggering memories of past humiliations from childhood.

Personal Struggles and Resilience

• Reflecting on his childhood challenges due to a muscular syndrome, he recounts experiences of bullying that deeply affected him.

• Despite these struggles, he persevered through school without much success but was determined to change his narrative after the humiliating experience at the investment office.

Turning Adversity into Motivation

• After being dismissed by the advisor for not meeting their minimum investment requirement, he resolved to educate himself about investing independently.

• This decision led him to develop a passion for teaching others about building their own investment portfolios.

Success Against All Odds

• He reflects on his growth as an educator with thousands of students and millions of followers on social media, contrasting it with his earlier struggles.

• The former advisor now seeks his expertise for collaboration, illustrating how far he has come since that initial humiliation.

The Dangers of Keeping Money in Savings

Critique of Traditional Savings Accounts

• The speaker discusses why keeping money in savings accounts is detrimental due to low interest rates compared to other investments like Tesouro Selic.

• He presents alarming statistics showing trillions deposited in savings accounts while emphasizing that such choices lead to financial loss over time.

Conclusion: Empowerment Through Knowledge

• Throughout his narrative, he stresses that anyone can learn about investing regardless of their background or financial situation if they possess a willingness to learn.

Introduction and Engagement

Building Community and Encouraging Interaction

• The speaker celebrates reaching 12,000 likes and encourages continued engagement to attract more viewers.

• Viewers are invited to share their locations, fostering a sense of community among participants from various regions in Brazil.

Mindset for Wealth

The Importance of a Wealthy Mindset

• The first step towards financial success is adopting a "wealth mindset," with the speaker urging everyone to affirm their desire for wealth daily.

• A metaphor involving a water bottle illustrates that without mental preparation, individuals may struggle to manage newfound wealth effectively. This relates to why lottery winners often lose their money quickly.

Investing in Knowledge

Prioritizing Education Over Immediate Investment

• Emphasizes the importance of investing in knowledge before attempting to build an investment portfolio, highlighting this as a common mistake among new investors.

• The speaker notes that many people (65%) have yet to start investing, indicating a need for education and guidance in this area.

The Rat Race Concept

Understanding Financial Struggles

• Introduces the concept of the "rat race," where individuals work merely to pay bills without achieving financial freedom; this is likened to a hamster running on a wheel.

• Cites "Rich Dad Poor Dad" as essential reading material that discusses escaping the rat race through financial literacy and smart investments.

Biblical Wisdom on Knowledge

Value of Wisdom Over Material Wealth

• A biblical proverb emphasizes that acquiring wisdom is more valuable than gold or silver, reinforcing the idea that knowledge should be prioritized over immediate monetary gains.

• The speaker expresses urgency for participants to engage actively in learning during the course to escape financial struggles and achieve personal goals.

This structured approach provides clarity on key themes discussed within the transcript while allowing easy navigation through timestamps for further exploration of specific points made by the speaker.

Course Content and Investment Strategies

Introduction to Course Participation

• The course begins with an interactive voting session to gather data on participants, highlighting the importance of engagement.

• Participants are introduced: João, Thaís, José, and Maria. They represent common Brazilian names and symbolize typical individuals considering retirement planning.

Building a Retirement Portfolio

• The speaker emphasizes the necessity for individuals not to rely solely on government pensions but to actively build their own retirement portfolios.

• A key distinction among participants is their level of financial knowledge, which is crucial for constructing investment portfolios from scratch.

Common Misconceptions About Money Management

• João's perspective reflects a common fear of banks; he prefers keeping money at home due to distrust in financial institutions.

• The speaker announces two gifts for participants: a PDF summary of the lesson and a checklist for course tasks.

Communication Channels and Course Structure

• Important information about official communication via WhatsApp is shared; participants are urged to save only one official number to avoid scams.

• The schedule for upcoming classes is outlined, emphasizing daily sessions at 8 PM Brasília time with varied topics each day.

Financial Literacy Insights

• A significant statistic reveals that 83% of Brazilians keep their savings in low-yield savings accounts (poupança), which do not outpace inflation.

• If R$ 400 is saved under the mattress over 240 months, it results in no interest earned. In contrast, saving in a bank account yields significantly more despite being less than ideal.

Investment Comparisons

• The discussion shifts towards better investment options like CDB (Certificado de Depósito Bancário), which offers higher returns compared to traditional savings accounts.

• By investing R$ 400 monthly into a CDB instead of a savings account over the same period could yield double the amount accumulated through traditional savings methods.

Investment Strategies and the Importance of Knowledge

The Pitfalls of Traditional Savings

• The speaker highlights the stark contrast between traditional savings accounts and more lucrative investment options, noting that R$ 4,000 in a CDB could yield four times more than leaving it in a savings account.

• A significant majority (83%) of Brazilians opt for savings accounts, leading to missed opportunities for better returns on investments.

Introduction to Prósperos Program

• The speaker addresses inquiries about the Prósperos program, emphasizing its role as a supportive community for financial growth and knowledge.

• He introduces his book titled "The Method of Feijão com Arroz," which outlines effective investment strategies.

Key Investment Principles

• The "feijão com arroz" method involves investing in quality stocks, real estate funds, fixed income securities, and U.S. markets equally to build wealth over time.

• Emphasizing that starting with small amounts can lead to significant wealth accumulation if one is consistent and informed.

The Cost of Ignorance

• The speaker stresses that ignorance in financial matters can be costly; investing in knowledge is crucial for achieving financial success.

• By following sound investment principles over 20 years, individuals can transform modest investments into substantial passive income streams.

Commitment to Learning

• Participants are encouraged to commit fully to their learning journey by attending all sessions and engaging with the material presented.

• Acknowledging potential distractions from peers or societal pressures but urging participants to stay focused on their goals.

Final Thoughts on Investment Strategy

• The speaker reiterates the importance of consistency and discipline in following through with the proposed investment strategy over an eight-day commitment.

• He invites participants to witness tangible results from his own investment portfolio as proof that his methods work effectively.

Investment Strategies and Performance

Portfolio Performance Overview

• The portfolio achieved a return of 135%, significantly outperforming the Ibovespa at 82% and CDI at 84%. This highlights the effectiveness of the investment strategy being discussed.

• The speaker addresses skeptics, emphasizing that this strategy is proven to work, as evidenced by data from the official PRMAP application connected to B3 (São Paulo Stock Exchange).

• The speaker contrasts their results with traditional fund managers who struggle to achieve similar returns despite working full-time in finance.

Key Steps in Investment Strategy

• The foundational steps for successful investing include:

• Mentality: Developing the right mindset.

• Knowledge: Gaining essential financial knowledge.

• Portfolio Formation: Structuring an effective investment portfolio.

Types of Investments

• The initial focus for building a portfolio should be on fixed income investments, which involve lending money. Other components include:

• Real estate funds that provide monthly dividends.

• Stocks, which have historically been a significant wealth-building tool.

Course Structure and Learning Objectives

• A detailed course schedule includes:

• Day two focuses on real estate funds.

• Day three covers top companies for investment.

• Day four will present three recommended stocks and real estate funds for the year 2026.

Practical Investment Tools

• For executing these strategies, two user-friendly brokerage platforms are recommended:

• Banco Inter and Nubank are highlighted for their simplicity, zero fees, and good customer support.

• Emphasis is placed on using mobile applications for practical investment activities.

Understanding Fixed Income Investments

• Fixed income involves lending money to entities like governments or banks. A good fixed income option is characterized by liquidity and returns close to Selic rates.

• An example provided is Tesouro Selic (government bonds), offering a low-risk return of around 15% per year—encouraging participants to move away from savings accounts towards more profitable options.

Real Estate Funds as Investment Options

• Real estate funds allow investors to become stakeholders in properties without needing substantial capital; starting investments can be as low as R$10.

Investing Basics and Financial Education

Importance of Investing

• Alberto emphasizes that one does not need a lot of money to start investing; learning to invest is crucial for future wealth.

• He explains that investing in stocks allows individuals to become partners in major companies, using Itaú as an example, highlighting its accessibility with shares priced around R$30.

Financial Literacy and Family Education

• A participant named Simone shares her experience of teaching her children about investing, showcasing the impact of financial education on future generations.

• Alberto stresses the importance of spreading financial knowledge, urging viewers to share resources with family and friends to combat ignorance about finance.

Investment Strategies

• Discussion on choosing profitable stocks like Itub 4, which is considered a stable investment option.

• Alberto mentions the necessity of diversifying investments into strong currencies like the dollar due to political risks in Brazil.

Long-term Investment Benefits

• He presents a hypothetical scenario illustrating how consistent monthly investments can lead to significant wealth accumulation over time.

• By comparing savings in traditional accounts versus strategic investments, he highlights potential earnings differences over decades.

Course Offerings and Support

• Alberto notes that many people have never purchased online courses due to past disappointments but assures that his program offers ongoing support rather than just content delivery.

• He describes his course as a lifelong journey rather than a one-time event, emphasizing continuous learning and practical application.

Practical Application: Choosing Investment Platforms

• The session transitions into practical investment applications by discussing options like Tesouro Selic for secure investments.

• An interactive poll is conducted asking participants whether they prefer starting their investments through Inter or Nubank, indicating engagement with the audience.

Nubank and Banco Inter: Simplifying Investments

Introduction to Nubank and Investment Options

• The speaker introduces Nubank as both a bank and a brokerage, emphasizing its user-friendly interface for investments.

• Highlights the ease of investing in government bonds through Tesouro Direto, starting with a minimum investment of R$ 182.

• Emphasizes that investing is straightforward, likening it to basic cooking ("feijão com arroz") which can yield positive results.

Course Structure and Materials

• The course will provide both theoretical knowledge and practical experience, along with well-prepared materials for participants.

• The speaker prepares to log into Banco Inter, indicating it serves as both their bank and brokerage platform.

Investment Process Demonstration

• Demonstrates how easy it is to access Tesouro Direto on Banco Inter's homepage; mentions the simplicity of the process compared to previous perceptions.

• Assures participants that various investment options like real estate funds and stocks are also simple to understand.

Taxation Insights

• Introduces the topic of income tax (imposto de renda), promising insights on avoiding common pitfalls such as falling into "malha fina."

• Shares a success story about a student named Marciano who received R$ 2,665 from Receita Federal due to effective tax strategies taught in the course.

Interactive Engagement with Participants

• Invites participants to share how much they can invest monthly, fostering engagement through comments.

• Discusses varying amounts people have available for investment while highlighting the importance of knowing one's financial path.

Investment Strategies and Financial Growth

The Importance of Basic Investment Knowledge

• The speaker emphasizes that many people have not learned the fundamental principles of investing, referred to as "feijão com arroz" (rice and beans), which are essential for financial success.

Case Study: Gabriela's Investment Journey

• Gabriela invests R$ 200 monthly. If she keeps her money in a savings account for 20 years, she would accumulate R$ 106,000. However, by applying basic investment strategies, she could grow this amount to R$ 461,000.

• Over a longer period of 30 years with the same monthly investment in savings, Gabriela would have R$ 253,000. In contrast, using effective investment strategies could yield R$ 900,000.

The Impact of Time on Investments

• The speaker expresses astonishment at how many individuals leave their money in savings accounts instead of investing it wisely.

Another Example: Mike's Potential Wealth

• Mike has R$ 500 to invest monthly for 20 years. In a savings account, he would end up with R$ 268,000; however, by learning effective strategies ("feijão com arroz"), he could amass over R$ 1 million.

• If Mike continues his investments for an additional 15 years (35 total), he could reach nearly R$ 944,000 through traditional saving methods but potentially lose out on significant wealth if he doesn't learn proper investment techniques.

Encouragement and Future Learning Opportunities

• The speaker encourages participants to stay engaged until the end of the session and highlights the importance of continuous learning about investments.

Upcoming Lessons Overview

• A brief overview is provided regarding future lessons covering various topics such as real estate funds and stock market investments. Participants are reminded that these valuable lessons will be offered free but will only be available until Monday.

Reflecting on Money's Purpose

• The speaker prompts attendees to reflect on what money means to them personally and its purpose in their lives. This reflection ties into broader discussions about financial literacy and personal values related to wealth management.

Survival Against All Odds

A Family's Struggle in the ICU

• A family doctor expressed disbelief at the survival of a patient with critically low oxygen levels, indicating that preparations should be made for her passing.

• The speaker recounts their emotional response to hearing this news while away from home, highlighting the gravity of the situation.

• After 54 days in intensive care, financial resources became crucial for securing necessary medical treatment not covered by insurance.

• Miraculously, after extensive treatment and against all odds, Lis Maria emerged from the ICU without lasting injuries and is now a healthy child.

• The experience taught the speaker that money serves primarily to ensure family health and security rather than material possessions.

Lessons on Money and Health

• The speaker emphasizes that money is essential for avoiding humiliations associated with inadequate healthcare systems like SUS (Brazil's public health system).

• Financial resources are also important for fulfilling dreams and helping those less fortunate; these lessons will be shared through personal stories.

• Emotional reflections on Lis’s journey highlight how deeply personal experiences shape one’s understanding of resilience and hope.

Course Structure and Engagement

• At the end of each lesson, a summary will be provided to reinforce learning; students are encouraged to engage actively with course materials.

• Students are advised to keep track of their progress using checklists and notes as part of their learning process.

Community Building

• Encouragement is given to connect with others through social media platforms for support during the course journey.

• Participants are urged to set reminders for daily engagement with course content leading up to completion deadlines.

Dynamic Weekly Schedule and Content Overview

Daily Meetings and Content Delivery

• The weekly schedule includes daily meetings on YouTube at 8 PM Brasília time until the 19th.

• Throughout the week, participants will focus on investment topics, with daily content shared via Instagram.

Resources and Materials

• A checklist for the event is available for download; participants are encouraged to print it out for use.

• The second story on Instagram contains a complete summary of the first class, which can also be printed.

Communication Channels

• Participants are urged to follow Alberto Pompeu on Instagram as it serves as the primary communication channel for updates and materials.

• If anyone has questions or issues accessing materials, they should reach out directly via Instagram.

Instagram Usage and Security Measures

Importance of Instagram

• Having an Instagram account is essential for receiving course materials; alternatives like creating a fake account are suggested if necessary.

Security Precautions

• Participants are warned about fake accounts impersonating Alberto; only trust verified profiles with a verification badge.

• It’s crucial to block any suspicious accounts that do not match official contact information provided in the checklist.

Checklist Printing and Engagement

Checklist Details

• A black-and-white version of the checklist is available for those unable to print in color; both versions serve their purpose effectively.

Community Engagement

• Participants are encouraged to share their completed checklists on social media, fostering community involvement.

Course Structure and Future Classes

Upcoming Lessons

• The first lesson was just an introduction; there will be seven more classes focusing on various investment strategies.

Next Class Focus

• Tomorrow's class will cover real estate funds, including how to choose them effectively without incurring income tax liabilities.

Conclusion and Encouragement

Final Thoughts

• Gratitude is expressed towards participants who stayed until the end of this session; encouragement is given to continue engaging through future classes.

Ignorance Comes at a High Cost

Call to Action

• The speaker emphasizes the high cost of ignorance, suggesting that it is time to take action and move forward.

• A plea for unity is made with the phrase "Pega na minha mão" (Take my hand), indicating a desire for collective effort.

• The closing remark "Até amanhã" (Until tomorrow) suggests an ongoing journey or commitment beyond this moment.

• The audience responds positively with applause, indicating engagement and support for the message delivered.

• Music plays as a backdrop, enhancing the emotional resonance of the concluding statements.