How much do I need to invest per month to have R$100,000 in 1, 2 or even 3 years?

Have you ever imagined what you would do with R$100,000 in your account? Whether for a major personal achievement or the peace of mind of a financial reserve, this amount represents a milestone in freedom. What may seem like a distant goal, however, can be achieved with discipline and planning.

Alexandre Pires says Faustão got confused and sent him the wrong Pix for R$100,000

The key to achieving your goal is consistency and math. Depending on how much you can save each month, you could accumulate R$100,000 in investments in one, two, or three years .

Financial planner and investment expert Jeff Patzlaff calculated the amounts that should be saved in different fixed-income investments during these periods. Check it out below:

• In 1 year: in fixed income investments, it would be necessary to invest R$8,000 per month.

• In 2 years: if you increase the term, the amount drops to R$3,800 per month.

• In 3 years: in the longest term of the simulation, the monthly contribution value would be R$2,300.

The figures presented may seem high for some budgets, but it's crucial to understand that the most important value isn't the final amount, but the act of getting started. The starting point for any successful financial planning is consistency.

Even if your current situation doesn't allow you to save the exact amounts in the simulation, every dollar saved makes a difference in the long run. The simple habit of saving R$50, R$100, or whatever you can afford each month is already a significant step forward, as it combats the "spend all the money" mentality and starts the positive savings cycle.

Remember: the most important thing is not to stand still. Investment interest works like a snowball, accelerating your earnings over time. Starting today, with what you have, is the smartest decision you can make to ensure the health of your finances.

All investments mentioned in the simulation fall into the fixed-income category, a type of investment where the return rules are known at the time of purchase. Therefore, these investments offer greater security and predictability.

Fixed income contrasts with variable income, which consists of investments such as stocks and real estate funds. In this category, returns are uncertain, and there's even a risk of loss.

The first fixed-income investment to enter the simulation is the Tesouro Selic . This is a debt security issued by the federal government, meaning it functions as a kind of "loan" for the public coffers. It belongs to the Tesouro Direto program, which, because it is guaranteed by the National Treasury, is considered the safest investment in the country.

The main advantage of the Tesouro Selic is its extremely high liquidity, meaning it can be easily redeemed at any time without significant losses. Its yield closely tracks the economy's benchmark interest rate (Selic) . Therefore, if the rate is cut, the yield will fall. The current Selic rate of 15% per year was used for this survey.

The Tesouro IPCA+ is another bond in the Tesouro Direto program. Its yield is calculated based on the country's official inflation rate (the Broad Consumer Price Index, or IPCA) for the period, plus a fixed interest rate. This protects purchasing power against rising prices. In his survey, Jeff Patzlaff used the accumulated inflation rate over the last 12 months, which was 5.23%.

Unlike the Treasury Selic, the Treasury IPCA+ is only liquid on the bond's maturity date. If the investor needs to withdraw the money before then, they will be subject to what's known as "mark-to-market," a type of parallel trading that can result in losses of income and even the amount invested.

A CDB (Bank Deposit Certificate) is a fixed-income security issued by banks to raise funds. In its floating-rate form, its yield is tied to an index such as the CDI (which tracks the Selic rate). In the simulation, Patzlaff used a rate of 14.90% per year.

They're also extremely safe, protected by the Credit Guarantee Fund (FGC) for amounts up to R$250,000 per individual taxpayer (CPF) and per institution. In any case, it's recommended to choose bonds issued by reputable financial institutions to avoid any headaches. Since there are options with both daily and fixed-maturity liquidity, it's also important to consider the maturity date before investing your money.