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New Strategy Advocated by Investor Raul Sena Shows How to Achieve Real and Recurring Income with Low Risk and Efficient Liquidity
Receiving money every month in a predictable and secure way is one of the greatest desires of Brazilians seeking financial independence. Investor Raul Sena points out that there are alternatives in the market that offer returns higher than savings accounts and with lower risk than renting properties, allowing for a stable monthly income without complications.
While rental income depends on factors such as default, vacancy, and property maintenance, structured fixed-income instruments offer returns adjusted for inflation and predictability in payments. According to Sena, this change in mindset can revolutionize the way small and large investors manage their assets.
The Dilemma Between Renting and Real Estate Funds
Historically, buying properties to rent has always been seen as one of the main strategies for living off income in Brazil.
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However, Raul Sena highlights that this model faces limitations, as earnings can fall below inflation and the risks of vacancy erode predictability.
Another path are real estate funds (FIIs), which distribute monthly dividends.
Despite good returns, FIIs still carry market risks: the fluctuation of shares and exposure to inflation make it difficult to ensure real stability in the long term.
Fixed Income as a Pillar of Stability
According to Raul Sena, traditional fixed income can be an efficient alternative for those seeking stable returns.
CDBs, LCIs, and the Tesouro Selic offer liquidity and security but generally do not provide automatic monthly cash flow, requiring scheduled withdrawals that compromise financial discipline.
On the other hand, the Tesouro IPCA+ with semiannual interest is pointed out by Sena as a powerful instrument, as it combines inflation adjustment and real interest.
By combining different maturities, it is possible to organize a portfolio that approaches monthly payments, preserving purchasing power over time.
The Innovation of Fixed Income ETFs
The major news presented by Raul Sena is the launch of an ETF focused on inflation-linked bonds, with monthly distribution.
According to him, this format simplifies the investor’s life, who starts to receive recurring returns without the need to set up complex structures on their own.
The product was designed to reduce risks, maintain capital adjustment by IPCA, and deliver consistent payments.
Moreover, the fixed 15% tax directly at the source makes the process more efficient than traditional investments, where the rate starts at 22.5%.
Security, Liquidity, and Predictability
One of the central points emphasized by Raul Sena is that, unlike properties or real estate funds, this new alternative does not depend on tenants or specific market conditions.
The risk is sovereign, tied to the National Treasury, considered the safest asset in the country.
For the investor, the proposal combines the best of both worlds: predictable monthly returns, inflation protection, and operational simplicity, as it can be accessed through any broker on B3 with amounts starting from R$ 100.
The quest for safe monthly returns above those of savings accounts is no longer just a distant dream.
As Raul Sena explains, innovative fixed-income products allow for the creation of stable and predictable cash flows, offering greater financial peace than properties or traditional investments.
And you, do you believe it makes more sense to seek monthly returns in financial assets rather than in properties? Do you consider this alternative really safer? Share your opinion in the comments—we want to hear from those who already invest or are thinking of investing in this model.
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