"There is nothing that gives me more pleasure than seeing unexpected money coming into my account."

This phrase is not mine, but Rockefeller's, one of the greatest investors in history. Monthly profits from investments , or their equivalents such as dividends, interest on equity and profit sharing , make the investments impact the investor 's life immediately, contradicting the common view that investments only bring returns in the distant future . In this article, I invite you to follow some investment suggestions for those looking to make a monthly profit .

1. Obtaining monthly profit with Fixed Income:

Certain fixed income investments, such as Bank Deposit Certificates ( CDBs ), Real Estate Credit Letters ( LCIs ) and Agribusiness Credit Letters ( LCAs ), may offer periodic income . The most common are semi-annual and annual returns , but we can sometimes find papers with monthly returns .

2. Obtaining monthly profit with Public Securities with Coupon Payment:

Some public bonds , such as the IPCA+ Treasury with Semiannual Interest (NTN-B) and the Prefixed with Semiannual Interest (NTN-F) , return an amount to the investor every six months, providing the investor with a periodic income deposited in the investor's account of simple form. As bonds pay interest every 6 months , to obtain monthly income , the ideal is to create a portfolio of bonds with varying maturity dates.

3. Obtaining monthly profit with Real Estate Funds (FIIs):

FIIs are funds that invest in real estate projects and pay monthly dividends to shareholders based on property rentals . Therefore, you don't need to wait until you have enough money to buy your own property and rent it. You can start today, with a minimum capital of R$100.00 and become a partner in a real estate fund, which will, through the rental of properties, provide a monthly profit on the money invested to its shareholders.

4. Obtaining monthly profit with Debentures:

Debentures , which are corporate debt securities , also provide periodic income to the investor . When you buy a debenture, you are lending your money to a company, which in return will pay you a periodic income and at the end of the contract return the remaining loan to you. So debentures, when well selected, provide a great alternative to obtaining passive income from your investments.

5. Earning monthly profit through Stock Dividends:

Investing in stocks of companies that pay dividends regularly can provide a monthly income stream . Stable, mature companies generally distribute part of their profits to shareholders. For example, in 2023, Petrobras paid R$4.87 per share (PETR3) in dividends and Interest on Equity . In other words, the partners of this company received , in 2023, R$4.87 per share. It is exactly the presence of income that makes an investment more or less valuable, while it delivers more or less return to the investor.

6. Obtaining monthly profit from other investments:

The world of the financial market is very vast, and if you are an advanced investor or entrepreneurial investor, one whose main job is to invest, you may be considering: derivatives, futures, commodities, foreign exchange, swaps, in short, the option is wide and goes depend on your level of knowledge and the tools you have available to make your monthly profit from investments.

What is the least risky investment to make a monthly profit?

I mentioned the investments above in ascending order of risk. In other words, the more beginner your profile, the more you should focus on the top part of our list where fixed income and government bonds are located. This is where the investor begins his investment career.

Which investment is best to obtain monthly profit?

If you are starting out and have little capital to invest, invest a little in fixed income with semi-annual interest , and in government bonds also with semi-annual interest . Additionally, select a few good real estate funds and debentures with low credit risk . This way you will be diversifying your portfolio, acquiring knowledge in investment products and above all investing money and making a monthly profit.

How to invest money and make a monthly profit?

As we have seen, earning a monthly profit through investments will require you to diversify your portfolio , in terms of investment products, types of risk, and maturity dates. By selecting investments correctly, in a short time you will begin to receive the fruits of your investments, without having to wait until you retire to understand how rewarding investing is.

1. Obtaining Monthly Profit with Fixed Income: Certain fixed income investments, such as Bank Deposit Certificates (CDBs), Real Estate Credit Letters (LCIs) and Agribusiness Credit Letters (LCAs), can offer periodic income. The most common are semi-annual and annual income, but we can sometimes find papers with monthly income,
2. Obtaining Monthly Profit with Public Securities with Coupon Payment: Some public securities, such as the IPCA+ Treasury with Semiannual Interest (NTN-B) and Prefixed Securities with Semiannual Interest (NTN-F), return an amount to the investor every six months. providing the investor with periodic income deposited into the investor's account in a simple and quick way. As bonds pay interest every 6 months, to obtain monthly income, the ideal is to create a portfolio of bonds with varying maturity dates.
3. Obtain monthly profit with Real Estate Funds (FIIs): FIIs are funds that invest in real estate projects and pay monthly dividends to shareholders based on property rents. . Therefore, you don't need to wait until you have enough money to buy your own property and rent it. You can start today, with a minimum capital of R$100.00 and become a partner in a real estate fund, which will, through the rental of properties, provide a monthly profit on the money invested to its shareholders.
4. Obtaining Monthly Profit with Debentures: Debentures, which are corporate debt securities, also provide periodic income to the investor. When you buy a debenture you are lending your money to a company, which in return will pay you a periodic income and at the end of the contract return the loaned amount to you. So debentures, when well selected, provide a great alternative to earning passive income from your investments.
5. Earn monthly profit through Stock Dividends: Investing in shares of companies that pay dividends regularly can provide a monthly income stream. Stable, mature companies generally distribute part of their profits to shareholders. For example, in 2023, Petrobras paid R$4.87 per share (PETR3) in dividends and Interest on Equity. In other words, the partners of this company received, in 2023, R$4.87 per share. Investors were certainly satisfied with an annual receipt of 16% on the capital invested.
6. Obtain monthly profit with other investments. The world of the financial market is very vast, and if you are an advanced investor or entrepreneurial investor, one whose main job is investing, you may then be considering: derivatives, futures, commodities, foreign exchange, swaps, in short the option is wide and full of complexities and will depend on your level of knowledge and the tools you have available to make your monthly profit from investments.

What is the least risky investment to make a monthly profit?

I mentioned the investments above in ascending order of risk. In other words, the more beginner your profile, the more you should focus on the top part of our list where fixed income and government bonds are found. This is where the initial investor begins his investment career.

Which investment is best for me to make a monthly profit?

If you are starting out and have little capital to invest, invest a little in fixed income with semi-annual interest, a little in government bonds also with semi-annual interest. Select a few good real estate funds, and select some low credit risk debentures. This way you will be diversifying your portfolio, acquiring knowledge in investment products and, above all, investing money and obtaining a monthly profit.

As we have seen, obtaining a monthly profit through investments will require you to diversify your portfolio, in terms of investment products, types of risk, maturity dates. If you select your investments correctly, in less than a month you will start receiving the fruits of your investments, without having to wait until you retire to understand how beneficial and rewarding investing is.