Luciana Seabra: "Um recado para os assessores conflitados" | Quem paga a conta? Episódio 8

Marcelo Maisonnave, Leandro Corrêa, and Luis Pauli join guest Luciana Seabra in this new episode of "Who Pays the Bill?". Passionate about economics, Luciana migrated from journalism to the heart of the financial market, where she found her main cause: independence. CEO of Indê, an investment fund analysis firm independent of any brokerage or bank, Luciana Seabra is one of the most listened-to voices in the market and among investors when it comes to transparency, conflicts of interest, and the transformations the market needs to be fairer to its clients. In this episode, Luciana joins Marcelo Maisonnave, co-founder of Warren and a leading figure in Brazil in "disrupting" the financial market; Warren's Chief Client Officer, Leandro Corrêa; and the host and Chief Institutional Officer, Luis Pauli. "Who Pays the Bill?" This is a program produced entirely by Warren with the aim of taking the topics that matter most to Brazilians about money out of offices and podcast studios. And when it comes to investing, it couldn't be any different: do you know how much you pay your investment advisor? Do you know if your investment portfolio includes products that don't match your profile? These are some of the topics the team discussed in this episode. Episode Highlights: 00:00 Luciana: Valor, Empiricus, Spiti and Indê 04:37 The change made by Maisonnave at XP 08:26 How to overcome conflicts of interest? 16:15 The DM box that went viral 19:11 "You can't generalize about advisors" 24:12 The client follows those who provide good service 26:49 The exemplary work of the CVM 28:08 70% in COE, is that possible? 32:05 Fixed-fee contracts that seem like a joke 36:27 Fixed-fee is better in the long run for the advisor 38:43 Bizarre cases of bad investment allocations 43:44 The authority of economic jargon still attracts many people 46:51 The example of the US and England in changing models 50:14 The myth of not wanting to pay when investing 52:00 The story of Indê and Luciana's future projects