FIIs for Beginners: Where to Start

Savings accounts yield about 0.5%/month. Many FIIs pay 0.7% to 1.2%/month in dividends — and may also appreciate.

Practical comparison with R$10,000: - Savings: ~R$50/month - FIIs (0.8% DY): ~R$80/month + possible appreciation

But be aware: FIIs have risk. Share prices can drop and dividends can decrease. Savings accounts are guaranteed by FGC up to R$250,000.

For beginners, the ideal strategy is: 1. Keep emergency fund in savings or Tesouro Selic 2. Invest in FIIs money you won't need for at least 2 years 3. Diversify across 5-10 FIIs from different sectors 4. Reinvest dividends to grow faster

For beginners, prioritize FIIs with these characteristics:

1. Large and established — assets above R$1 billion (safer) 2. Diversified — multiple properties in different regions 3. Low vacancy — less than 5% unoccupied 4. P/BV near 1.0 — not too expensive, not too discounted 5. Consistent dividend yield — regular payments in the last 12 months

Sectors to start with: - Logistics (HGLG11, XPLG11) — high demand from e-commerce - Paper/CRI (KNCR11, KNIP11) — income linked to Selic/IPCA - Shopping (VISC11, XPML11) — well-located malls

Use PaxMoney to record your first purchases and track dividends month by month. The app's AI projects how much you'll receive in the coming months.