CDI or Real State
Table of Contents
This post relies heavily on current Brazil's low-risk investment revenue rates.
For the non-brazilians, it serves only as a template.1
After ignoring the investment world in name of comfort, recently I moved my cash into a low-risk investment, based on Brazilian CDI (Certificado de Depósito Interbancário), a benchmark interest rate used in Brazil's financial markets commonly for fixed-income investments that changes daily.
The banking says things like "(110%|115%) of CDI but it may change", so I don't even know the exact "percentage on top of the CDI" that was really applied. There's also a lot of taxes, so I'll ignore all this percentages and over-complicated values and consider only the liquid values: How much I applied and how much it became.
I was skeptic about it's feasibility because there's no free lunch but I was also worried about high inflation levels here in Brazil and wanted to prevent it in somehow.
Below are my results.
The data
| Used currency is BRL. |
Applied value
5000
Liquid total after earnings
5058.28
Days from the application day until today
The days range:
Becomes:
39
Calculations
Earned percentage on above values
resultingBalance / applied - 1
0.011656
Checking the percentage
Just to make sure the percentage is right.
applied * percentage
58.28
Dividing the percentage per day
Since our math are based on a 39 days investment, let's get the average percentage earned per day.
percentage / days
2.98871794872e-4
Rule of three on the earnings
Let's calculate how much it will revenue on some arbitrary values.
Daily
Conclusion
The last projection that calculates the revenue of a 300k investment in 30 days shows that for now, it seems better to keep money invested on this fund instead of investing on a 300k house, considering its rent will be in a range of 1500 to 3000 BRL.
Footnotes:
You can copy this Org File and evaluate with different values.