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We develop tailored portfolios and ensure their careful management. This detailed approach is essential to our commitment to helping you generate income and increase your wealth, using everything from more traditional investment options to advanced and profitable tactics.
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According to studies by the American bank J.P. Morgan, retail investors often fail to outperform simple investments, such as funds that track the S&P 500 and even government bonds (bonds). This happens mainly due to a lack of discipline, ineffective strategies, and attempts at market “timing,” which end up harming returns over time.
Gross values before taxes and inflation.
Source: Barclays, Bloomberg, FactSet, Standard & Poor’s, J.P. Morgan Asset Management; Dalbar Inc, MSCI, Russell. Indices used: Bonds: Bloomberg Barclays U.S. Aggregate Index, Inflation: CPI. 60/40: A portfolio with 60% in the S&P 500 index and 40% in high-grade U.S. fixed income, represented by the Bloomberg Barclays U.S. Aggregate Index. The portfolio is rebalanced annually. The average investor return is based on analysis by Dalbar Inc., which uses net sales, redemptions, and exchanges of mutual funds aggregated each month as a measure of investor behavior. Market Guide – U.S. Data as of September 30, 2021.
According to studies by the American bank J.P. Morgan, retail investors often fail to outperform simple investments, such as funds that track the S&P 500 and even government bonds (bonds). This happens mainly due to a lack of discipline, ineffective strategies, and attempts at market “timing,” which end up harming returns over time.
Gross values before taxes and inflation.
Source: Barclays, Bloomberg, FactSet, Standard & Poor’s, J.P. Morgan Asset Management; Dalbar Inc, MSCI, Russell. Indices used: Bonds: Bloomberg Barclays U.S. Aggregate Index, Inflation: CPI. 60/40: A portfolio with 60% in the S&P 500 index and 40% in high-grade U.S. fixed income, represented by the Bloomberg Barclays U.S. Aggregate Index. The portfolio is rebalanced annually. The average investor return is based on analysis by Dalbar Inc., which uses net sales, redemptions, and exchanges of mutual funds aggregated each month as a measure of investor behavior. Market Guide – U.S. Data as of September 30, 2021.
In 2014, the brokerage firm Fidelity made an interesting discovery: its most profitable clients were those who simply did not touch their portfolios, whether because they forgot they had an account or because they had passed away. This fact reveals a valuable lesson about the behavior of retail investors, who often sabotage their own results by making emotional decisions, trying to predict market movements, and preferring short-term tactics over well-structured strategies.
This incessant search for “must-have opportunities” leads many to build their portfolios randomly. They buy stocks, apply trading systems, and invest in various funds, but without considering how these assets complement each other. The result is a “mishmash” portfolio—disorganized and lacking a clear direction—similar to a sandwich with chocolate, sashimi, and pork cracklings—no matter how much you like each one, they just don’t work together.
This behavior is common among investors who focus on each individual asset but neglect the impact that their combination has on the volatility and returns of the portfolio as a whole. Without coherent planning, the investor ends up suffering from unnecessary fluctuations and results that fall short of expectations. Building a portfolio requires more than just selecting good assets in isolation; it’s essential to create a balanced portfolio aligned with your financial goals.
With an investment of $1 million, the average investor earned 4 to 10 times less than basic strategies in the American market.
Source: Barclays, Bloomberg, FactSet, Standard & Poor’s, J.P. Morgan; Dalbar Inc, MSCI, Russell. Indices used: Bonds: Bloomberg Barclays U.S. Aggregate Index, 60/40: A portfolio with 60% in the S&P 500 index and 40% in high-grade U.S. fixed income. The portfolio is rebalanced annually. The average investor return is based on analysis by Dalbar Inc., which uses net sales, redemptions, and exchanges of mutual funds aggregated each month as a measure of investor behavior. Market Guide – U.S. Data as of September 30, 2021. The simulation with $1 million can be easily adapted for other amounts, so $100,000 would have yielded 10% of the mentioned amounts (i.e., $168,941.17 for an investment of $100,000 would have yielded $16,894.12 or 16.89% of the initially invested amount).
With an investment of $1 million, the average investor earned 4 to 10 times less than basic strategies in the American market.
Source: Barclays, Bloomberg, FactSet, Standard & Poor’s, J.P. Morgan; Dalbar Inc, MSCI, Russell. Indices used: Bonds: Bloomberg Barclays U.S. Aggregate Index, 60/40: A portfolio with 60% in the S&P 500 index and 40% in high-grade U.S. fixed income. The portfolio is rebalanced annually. The average investor return is based on analysis by Dalbar Inc., which uses net sales, redemptions, and exchanges of mutual funds aggregated each month as a measure of investor behavior. Market Guide – U.S. Data as of September 30, 2021. The simulation with $1 million can be easily adapted for other amounts, so $100,000 would have yielded 10% of the mentioned amounts (i.e., $168,941.17 for an investment of $100,000 would have yielded $16,894.12 or 16.89% of the initially invested amount).
We develop customized portfolios based on academic research, in-depth analysis, and continuous backtesting, ensuring informed decisions and consistent results.
Start investing early!!
Examples:
If you begin investing R$1,000.00 per month with the goal of retiring at 60, considering a gross monthly return of 1% (without accounting for INFLATION), you would have:
Starting at 50: R$232,339.10
Starting at 40: R$999,147.92
Starting at 30: R$3,529,913.77
Starting at 20: R$11,882,420.24
Starting at 10: R$39,448,923.10
We develop customized portfolios based on academic research, in-depth analysis, and continuous backtesting, ensuring informed decisions and consistent results.
Start investing early!!
Examples:
If you begin investing R$1,000.00 per month with the goal of retiring at 60, considering a gross monthly return of 1% (without accounting for INFLATION), you would have:
Starting at 50: R$232,339.10
Starting at 40: R$999,147.92
Starting at 30: R$3,529,913.77
Starting at 20: R$11,882,420.24
Starting at 10: R$39,448,923.10
It’s similar to the salesperson who greets you when you enter a clothing store: they present various options, check stock, clarify doubts, and facilitate your purchase.
Facilitate customer access to the investment products available at the brokerage, offer new products, and provide daily support.
Commission-based. The advisor earns commissions on the investment products they sell to clients. Since fixed salaries are rare in this profession, it’s essential to sell frequently or focus on higher-commission products, such as IPOs or COEs (which can generate up to 3% in commission).
It’s like a tailor who takes your measurements, helps define your style, discovers your preferences in fabrics, patterns, and colors, and creates a custom wardrobe from scratch.
Define the client’s profile, creates a personalized investment plan, assists in executing and maintaining that plan, teaches strategies, recommends specific assets in the appropriate amounts, advises on financial decisions, and provides daily support.
Fee-based. We receive compensation based on a small percentage of the client’s assets and are prohibited from accepting any commissions.
It’s similar to the salesperson who greets you when you enter a clothing store: they present various options, check stock, clarify doubts, and facilitate your purchase.
Facilitate customer access to the investment products available at the brokerage, offer new products, and provide daily support.
Commission-based. The advisor earns commissions on the investment products they sell to clients. Since fixed salaries are rare in this profession, it’s essential to sell frequently or focus on higher-commission products, such as IPOs or COEs (which can generate up to 3% in commission).
Pros:
Cons:
It’s like a tailor who takes your measurements, helps define your style, discovers your preferences in fabrics, patterns, and colors, and creates a custom wardrobe from scratch.
Define the client’s profile, creates a personalized investment plan, assists in executing and maintaining that plan, teaches strategies, recommends specific assets in the appropriate amounts, advises on financial decisions, and provides daily support.
Fee-based. We receive compensation based on a small percentage of the client’s assets and are prohibited from accepting any commissions.
Pros:
Cons:
The first step to optimizing your portfolio starts here.
If investing rationally to ensure a more prosperous and secure future is important to you, I invite you to click on “Let’s Talk” and fill out the form to schedule a chat on Zoom.
During our conversation, we will discuss your current portfolio, your goals, desires, and concerns. This way, we can clarify whether consulting is truly the best option for you.
If you are not satisfied with the growth of your assets and feel there is room for improvement, this meeting could be extremely useful and generate valuable insights.
I look forward to hearing from you!
P.S.: Don’t forget to read the green columns to understand how the process works.
Wesley Pinheiro is authorized by the Securities and Exchange Commission to act as a securities consultant, according to CVM Resolution No. 19 of February 25, 2021. The securities consulting services are provided independently and based on solid foundations. Investment recommendations are made based on the risk profile of investors, properly developed in accordance with current regulations, and it is up to them to accept or reject these recommendations. Investments in stock markets, over-the-counter markets, and future settlement markets are subject to risks, and investing in derivatives can result in losses greater than the initial investment. All content on this site is the property of Free Time Consulting and may not be reproduced without proper permission.
Wesley Pinheiro is authorized by the Securities and Exchange Commission to act as a securities consultant, according to CVM Resolution No. 19 of February 25, 2021. The securities consulting services are provided independently and based on solid foundations. Investment recommendations are made based on the risk profile of investors, properly developed in accordance with current regulations, and it is up to them to accept or reject these recommendations. Investments in stock markets, over-the-counter markets, and future settlement markets are subject to risks, and investing in derivatives can result in losses greater than the initial investment. All content on this site is the property of Free Time Consulting and may not be reproduced without proper permission.