Como se aposentar com títulos públicos: a verdade sobre montar renda com o Tesouro Direto

Retiring with government bonds has become an easy promise on the internet, and that's precisely where most people go wrong. Building long-term income with fixed income works, but it requires understanding the time frame, real interest rate, payment flow, and the product's limitations. In this video, André Perfeito tells it like it is: what you can expect from a retirement plan built with IPCA Treasury bonds and RendA+ bonds, and where the pitfalls are that nobody shows in the pretty calculations. What you will understand: How inflation-linked bonds (IPCA Treasury bonds and RendA+ bonds) transform assets into income and why the real interest rate, not the nominal rate, is what matters. The logic of the maturity ladder: how to structure income flow over the years without depending on selling bonds at the worst possible time. How much you really need to accumulate to generate a significant income and why ignoring inflation, income tax, and time destroys any planning. Retirement is not luck or faith in the INSS (Brazilian Social Security Institute): it's math, time frame, and decision. Here, the calculation is done clearly.