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Simulation Shows How Contributions of Just Ten Monthly Shares of MXRF11 Can Transform into a Wealth of R$ 50,000 in 15 Years.
Investment in real estate funds increasingly sparks curiosity among people seeking passive income. One of the most talked-about examples is MXRF11.
Based on a simple calculation made by the Pipoco Investidor channel, it’s possible to project what would happen if someone bought 10 shares of this fund every month for a period of 15 years.
How Much It Costs to Invest in MXRF11
On the day of this simulation, MXRF11 was being traded at R$ 9.45 per share.
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Each of them paid, in the last distribution, R$ 0.10 in earnings.
In other words, anyone buying ten shares spends R$ 94.50 in the month. It may seem small, but the most important thing is to observe the effect of time and reinvestments.
Therefore, the simulation considers fixed contributions of ten monthly shares over the course of 180 months, which equals 15 years.
The Total Invested in 15 Years
By the end of this period, the investor will have contributed R$ 17.010. This amount corresponds only to the money that came from their pocket, not counting the dividends received.
Because what makes this calculation interesting is precisely the sum of the earnings reinvested in new shares.
Additionally, during these years, the dividends do not remain stagnant. They are used to buy more shares, gradually increasing the stake in the fund.
Final Number of Shares
After 180 months, the investor will have accumulated 5,337 shares of MXRF11.
This number does not arise solely from the monthly contributions. A good portion comes from the dividends that were constantly reinvested.
Therefore, the final balance is not just the invested amount multiplied by the share price. Reinvestment makes all the difference.
The Accumulated Value Over the Period
With the 5,337 shares in the portfolio, the accumulated wealth will be R$ 50,434.
This means that, in addition to the R$17,010 invested, there was a significant gain from the reinvested earnings.
In practice, R$ 33,901 of this total balance came solely from the dividends. The most important thing to understand is that this amount did not require additional contributions beyond the planned ten monthly shares.
The Passive Income Generated
The final result brings attention to a notable point. The 5,337 shares acquired after 15 years would pay out, together, R$ 533 per month. This amount corresponds exactly to the sum of R$0.10 in earnings per share.
Therefore, the investor would achieve a monthly income without needing to sell the shares. The money would flow into the account every month, predictably, like indirect rent.
The Impact of Reinvestment
This scenario reinforces why the reinvestment of dividends is so powerful.
Without it, the final number of shares would be much smaller. After all, each R$ 0.10 received helped to increase the share base, which also raised future earnings.
Furthermore, the effect of compound interest becomes clear. Even with relatively small contributions, time makes capital grow significantly.
Those who decided to buy ten monthly shares of MXRF11 over 15 years invested just over R$ 17,000. But in the end, they transformed that amount into a wealth of R$ 50,000.
The balance of R$ 33,901 came only from the reinvested dividends, without the need to increase the monthly contributions. The result was a monthly income of R$ 533, which would continue to be paid as long as the fund maintains the distribution of R$ 0.10 per share.
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