How much do I need to invest per month to save R$50,000 or R$100,000 in 3 years?

Setting a financial goal and investing are the first steps toward organizing your future. For many Brazilians, goals like saving R$50,000 or R$100,000 within three years represent the potential for a significant leap in quality of life, whether it's a down payment on a property, starting a business, or building a robust safety net.

+How much do I need to invest per month to save R$1 million in 10 or 20 years?

Achieving this ambitious goal is less about luck and more about well-executed planning. With focus, consistent contributions, and smart investment choices, it's possible to transform a plan into a personal financial milestone.

Financial planner and investment expert Jeff Patzlaff calculated how much money would need to be saved each month in Tesouro Direto to achieve one of these goals in three years.

The survey considered the IPCA (Broad Consumer Price Index) of 5.35% recorded over the last 12 months and the Selic, the benchmark interest rate, at its current level of 15%. See the simulation below.

• To have R$50,000: R$1,150 per month

• To have R$100,000: R$2,300 per month

For most Brazilians, saving R$2,300 or even R$1,150 per month isn't feasible. After all, these are quite large sums: they represent, respectively, almost a third or two-thirds of the country's average income (R$3,457).

However, you can set smaller goals. Rather than waiting for a lucky break, the secret to achieving financial goals lies in the power of habit. You can save smaller amounts, like R$100, R$50, or even R$20.

With consistency, patience, and the power of compound interest, after a while, there will be a good amount accumulated.

For those seeking a safe and affordable alternative to traditional investments like savings, Tesouro Direto presents itself as one of the most solid options on the market. It's a National Treasury program that allows any citizen to purchase federal government bonds.

In practice, when you invest, you lend money to the government to finance its activities, such as healthcare and infrastructure, and in return, you receive the amount adjusted for interest, which is the return on the investment. Because it is guaranteed by the government itself, it is considered the lowest-risk investment in the country.

There are different types of bonds, each with a distinct yield. The first in the simulation is the Tesouro Selic , whose yield follows the variation of the economy's basic interest rate. Its liquidity allows for redemption at any time without loss. It's the ideal choice for those who may need to withdraw money suddenly without loss.

The IPCA+ Treasury bond offers a hybrid return: a fixed interest rate (defined at the time of purchase) plus the country's official inflation rate, measured by the IPCA index. This ensures investors receive a real return—a return that always exceeds the depreciation of the currency over the period.

Finally, the Treasury Prefixado , as the name suggests, yields the interest rate set at the time of purchase. This way, the investor knows exactly what the gross amount they will receive at the end of the term if they hold the bond until maturity.

Both the Prefixado and IPCA+ bonds are only liquid on the maturity date. Therefore, if the investor needs to redeem early, they will face losses in their income and perhaps even the amount invested.

All securities are subject to the same fees: a custody fee of 0.2% per year for amounts above R$10,000, and a regressive Income Tax whose rates decrease over time, as shown below:

• Up to 180 days: 22.5%
• From 181 to 360 days: 20%
• From 361 to 720 days: 17.5%
• Over 720 days: 15%

You can see all the Treasury Direct bonds available on the program's official website, at this link .