In the CBN Dinheiro program on Thursday (3), Marcelo d'Agosto answered a question from listener Rosinele, who intends to buy an apartment in the city of Caruaru, in Pernambuco, in 15 years. She questioned whether investing R$ 10 thousand today and R$ 700 per month, increasing by R$ 100 each year, in Treasury IPCA+ would be sufficient to acquire the property.
The specialist explained that Treasury IPCA+ today has a return, after income tax, of approximately 6% per year plus inflation. Considering that this rate remains stable and that she manages to invest R$ 700 monthly over the 15 years, with the deposit amount corrected for inflation annually, she would have at the end of the period the amount of R$ 225 thousand, in today's values.
If Rosinele could increase the value of her monthly deposits by R$ 100 each year above inflation only for the next five years, the investment would accumulate R$ 330 thousand. Marcelo d'Agosto recommended that she compare these values with the current price of apartments in Caruaru to assess whether the planning is viable. The specialist also warned about considerations related to the interest rate, although the answer was incomplete in the available excerpt.
