25/25/25/25 Portfolio

What each part does

Edilson describes his long-term allocation in four groups. The proportion does not eliminate losses: stocks and real estate funds can fall at the same time; fixed income can fluctuate before maturity; international adds currency risk. Before applying any model, set aside an emergency fund and consider debts, goals, and your risk tolerance.

How to apply the contribution rule

1. Write down the goal, time horizon, and weights that make sense for you. 25% is just this page's example.
2. Calculate each class's current weight within the long-term portion, without mixing in the emergency fund.
3. Direct the next contribution to the class furthest below target, after reviewing costs and fundamentals.
4. Periodically reassess whether the plan remains suitable; selling to rebalance may incur taxes and costs.

Hypothetical example: in a R$ 40,000 portfolio, each class would have R$ 10,000. If REITs fall to R$ 8,000 while the others remain at R$ 10,000, the total is R$ 38,000 and REITs account for about 21.1%. A new contribution can help restore the share, but the drop might reflect real deterioration — it is not an automatic invitation to buy.

What the numbers don't prove

We do not publish historical returns for the 25/25/25/25 portfolio because an auditable result would require choosing representative indices, timeframes, contribution dates, rebalancing rules, costs, taxes, and exchange rates. Simply comparing index curves without that would be misleading. Nor are there verified third-party success stories to share.

To analyze the strategy, compare liquidity, volatility, concentration, taxation, and cost instead of assuming equal weights are efficient in every scenario. Test scenarios in the simulator and change each assumption.

Sources on how these products work: Investor Portal / CVM, B3 — REITs (FIIs) and Tesouro Direto. Check current conditions before investing.