Video summary

QUAIS SÃO as CARTEIRAS RECOMENDADAS da XP | Aprenda a Investir

Main summary

Key takeaways

Finance

Finance-Specific Summary (XP “Recommended Portfolios”)

The video describes XP’s “recommended portfolios”—toolkits intended to help users build a portfolio from scratch and manage/adjust it over time as the macro and microeconomic scenario changes.

  • The portfolios are presented as monthly/quarterly updates.
  • They may change holdings depending on analysis and market conditions.
  • Full access is limited to XP clients/advisors (login required).

Where to Find the Portfolios (Process)

Published monthly on XP’s content page under Recommendations (main menu).

Portfolio lists include:

  • Portfolios by profile
  • Portfolios for companies (legal entities)
  • Fundamentalist equity portfolios
  • Technical analysis portfolios
  • Fixed income portfolios
  • International BDR portfolios
  • SG portfolios

Access Note / Disclaimer (Implied Access Control)

“To have full access…you need a login as an advisor or XP client.”

Non-clients are directed to open an account via a QR code.

Portfolio Framework / Step-by-Step Concepts

Key concepts mentioned:

  • Build a diversified portfolio based on:
    • Risk level and investment horizon (“portfolios by profile”)
  • Gradual implementation of suggested allocations:
    • Suggested percentages can be changed month to month
    • Allocations are implemented gradually to reach the “ideal portfolio” relatively quickly
  • Thematic portfolios can be added when you want more exposure, including:
    • additional fixed income, private credit, stocks, ETFs, BDRs, real estate funds, and SG themes

Types of Portfolios and What They Target

1) Portfolios by Profile (Individuals)

  • Objective: suggest exposure to all major asset classes by risk profile and horizon
  • Suggested mix can include:
    • fixed income, multi-market, equities, international investments, and alternatives
  • Allocation can change monthly based on the allocation team’s decisions

2) Portfolios for Companies (Legal Entities)

Similar dynamics to individual portfolios, with company-focused features.

  • Example: Cash & Liquidity-type portfolio
    • emphasizes cash flow and liquidity scaling of fixed-income suggestions
  • Other company portfolios can take more risk in asset classes beyond fixed income

3) Fixed Income Portfolios

  • Composition: fixed income securities selected by XP analysts
  • Review cadence: positions are analyzed monthly and may change
  • Clarification/caution: If a security is removed from one month to the next, it does not necessarily mean a sell—it may represent a new investment idea.

Two options:

  1. Mixed fixed income
    • includes public, bank, and private securities
  2. Private credit
    • focuses on “CRIs/CRIS”
    • subtitle text suggests CRISCRs, indicating the intended instrument appears to be CRIs / credit real estate structures

Diversification aims within fixed income:

  • across maturities, indexers, issuers, and sectors
  • to reduce risk in the fixed-income allocation

4) Fundamentalist Equity Portfolios (Stocks)

Three stock-focused portfolios:

  1. Top 10

    • 10 stocks with the highest analyst convictions
    • Aim: outperform the Bovespa index over a long-term horizon

  2. Top Dividends

    • stocks of companies expected to distribute continuous profit (dividends)
    • framed as potentially more defensive, suitable for recurring payments
    • typically more mature companies

  3. Top Multi Caps (subtitle text: “Topison Caps”)

    • focuses on smaller market cap stocks with high growth potential

Risk/disclaimer-style clarification (similar to fixed income):

  • Removal from one month to the next = not necessarily a sell; may indicate a new investment idea within equities.

5) SG (Sustainable Growth) Portfolio

  • Includes top 10 stocks selected by XP’s analysis team
  • Seeks stocks with:
    • high SG standards
    • solid fundamentals
  • Aim: outperform the B3 index over the long term
  • Reviewed monthly when conditions align with long-term outperformance goals

6) Real Estate / FIIs (Financial Investment Funds)

FII Portfolio

  • real estate fund selection aiming to outperform fixed income
  • described as more defensive and fundamentalist
  • reviewed monthly

Viva (Living) Income Funds Portfolio

  • uses quantitative methods to select a basket of real estate funds
  • objective: maximize monthly returns
  • (Context note: distribution described as targeting investors seeking income alongside an international diversification context appears around other international portfolios.)

7) International Portfolios (BDRs / ETFs)

  • Top 10 International Stocks portfolio

    • 10 international stocks using BDRs preferred by analysts
    • reviewed monthly

  • Global ETF Portfolio

    • builds a global equity allocation using ETFs or BDR ETFs
    • updated quarterly based on global allocation perspectives

  • Optimus Quanti portfolio

    • quantitative approach (not fundamental): systematic selection of BDRs
    • reviewed monthly
    • seeks the best risk-return profile for international exposure via BDRs

8) Technical Analysis Portfolios

There are three technical-analysis portfolios:

  • Top Pix Arena (updated weekly)

    • includes five assets
    • uses only technical analysis to pursue short-term returns

  • Two additional portfolios:

    • Value Portfolio
    • Investor Arena Portfolio

These are framed for people who want to:

  • track stock price flows and trends
  • trade or learn to become a trader using technical analysis

Tickers / Instruments / Indices Mentioned (Explicit)

  • Bovespa index (benchmark for “Top 10”)
  • B3 index (benchmark for “SG”)
  • BDRs (Brazilian Depositary Receipts)
  • ETFs and BDR ETFs
  • FIIs / real estate funds
  • CRIs / credit real estate structures (subtitle text: “CRISCRs”)
  • “SG” (Sustainable Growth) theme

(No specific stock/ETF/BDR ticker symbols were provided.)

Key Numbers Explicitly Mentioned

  • Top 10 portfolios: 10 stocks
  • SG portfolio: top 10 stocks
  • Top Pix Arena: 5 assets
  • Top 10 International Stocks: 10 international stocks
  • Review frequency:
    • many equity/fixed-income portfolios: monthly
    • Global ETF Portfolio: quarterly
    • Top Pix Arena: weekly

Recommendations / Cautions Highlighted

The portfolios are designed to:

  • help build portfolios from scratch
  • be updated according to macro/micro changes

Caution applied to both fixed income and equities:

  • Removing a position in the next month does not automatically mean sell; it may reflect a new investment idea.

Disclosures / Disclaimers

  • No explicit “not financial advice” or legal disclaimer appears in the provided subtitles.
  • Access-control disclosure present: full portfolio access requires XP login as advisor or XP client.

Presenters / Sources

  • References are made to an “XP” content page and the “Resort team” (likely a misrecognition of an XP/Retail/Research team).
  • No individual presenter names are explicitly stated.

Original video