How to Live Off FII Passive Income

The formula is simple: Required assets = Desired monthly income ÷ Average monthly dividend yield

Simulations with 0.8%/month average DY (9.6% annually):

| Desired income | Required assets | |---|---| | R$2,000/month | R$250,000 | | R$5,000/month | R$625,000 | | R$10,000/month | R$1,250,000 | | R$20,000/month | R$2,500,000 |

Accumulation strategy: If you invest R$2,000/month in FIIs with 10% annual DY and reinvest dividends: - In 5 years: ~R$160,000 (income of ~R$1,300/month) - In 10 years: ~R$410,000 (income of ~R$3,400/month) - In 15 years: ~R$830,000 (income of ~R$6,900/month) - In 20 years: ~R$1,500,000 (income of ~R$12,500/month)

Tip: Use PaxMoney's AI forecasting to simulate personalized scenarios with your actual contributions and portfolio FIIs.

1. Reinvest 100% of dividends — Until you reach your goal, don't spend dividends. Reinvest to leverage compound interest.

2. Consistent monthly contributions — Consistency matters more than amount. R$500/month every month > R$3,000 once.

3. Buy the dip — When FIIs drop, DY rises. Take advantage to buy cheaper and increase future income.

4. Diversify income sources — FIIs are great, but combine with dividend stocks, fixed income, and other sources.

5. Track with PaxMoney — Use AI to project when you'll reach your income goal. The 3 scenarios (conservative, expected, optimistic) help plan.

6. Adjust strategy over time — Accumulation phase: more risk, more discounted brick. Income phase: more paper, more predictability.