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Sources, assumptions & methodology
Deterministic projection with constant rates and compound interest on an actual/365 basis. Daily CDI is annualised over 252 business days and participation applied to the interest factor. Selic is a policy-rate reference, not a bond offer. IPCA compounds the latest 12 monthly readings. Ibovespa is a historical return, not a guaranteed yield.
¹ Contributions plus actual gross earnings; the without-tax/fee series excludes the drag of deductions. ² Real gain discounts each contribution to the start date too. ³ Internal rate of return of contributions and net redemption, rather than gain divided by contributions.
Maturity is measured for each deposit. LCI/LCA without price indexation require six months; deposits and reinvestments with less time remaining stay in non-interest-bearing cash. No mark-to-market prices, contractual lock-up validation, brokerage or Treasury-specific fees are included. Stock, REIT, fund and pension tax rules are not applied to ETFs. Uses constant 2026 tax rules, without reconstructing historical legislation or predicting future changes.
Federal Revenue: fixed-income rates · Exchange taxation · IOF