Treinamento básico Ademicon

Summary of "Treinamento básico Ademicon"

This video is a detailed training session about Ademicon, a leading company in the real estate consortium market in Brazil. The main focus is on how consortiums work as a financial tool, especially for real estate investment and retirement planning, and how Ademicon differentiates itself from bank-run consortiums.

Key Lifestyle & Financial Tips:

• Listening and rapport-building: When engaging clients, listen more than talk initially to understand their financial situation and goals.
• Investment mindset: Many Brazilians rely on safe fixed income investments (CDB, CDI, LCA, LC), but diversification and real estate can offer better long-term security and income.
• Dreams and goals: Encourage clients to think about medium to long-term goals like retirement, property acquisition, and additional income streams.

Consortium Basics:

• A consortium is a group of people pooling money to buy assets without paying interest, only an administrative fee.
• Ademicon pioneered real estate consortiums 33 years ago and is the largest private administrator in Brazil.
• Consortiums are safer than bank products because:
  • Ademicon cannot use the money for loans; all funds must be used for contemplations.
  • Funds are deposited in the Central Bank for security.
  • If Ademicon goes bankrupt, contracts transfer to another administrator.
• Administrative fee is low (~1.2% per year or 0.10% per month), much cheaper than bank financing (~1% per month interest).
• Groups vary in size (3,000 to 12,000 people), and contemplations (winning draws) start low and increase as the group matures.
• Contemplation can happen early (even in the first month) or later (average ~36 months).
• Members cannot choose installment numbers freely; they join existing groups with fixed terms (e.g., 90-240 months).
• If a member stops paying for over 3 months, they lose participation in draws but can resume payments without fines; after 4 months, the quota is canceled but contributions are refunded at group end.

Investment & Retirement Strategy:

• Ademicon promotes real estate retirement through small properties (studios 20-35 m²) costing around R$200,000 to R$500,000.
• Financing two small properties rented via Airbnb or similar short-stay platforms can generate ~1% monthly return on property value, which can cover financing installments and generate additional income.
• Property management companies like RZ handle all rental logistics, including cleaning, insurance, and guest management, ensuring passive income with minimal owner involvement.
• Using consortium letters (credit rights) as investment instruments can yield returns comparable or better than fixed income investments.
• Real estate is considered a safer long-term investment and asset protection, especially compared to volatile cash savings or unstable economies.
• Ademicon offers a "built-in bid" option allowing members to use part of their credit to bid for contemplation without decapitalizing themselves, making financing cheaper.

Consortium Contemplation & Bidding:

• Contemplation happens via:
  • Draw (raffle): Random selection, usually one winner per month.
  • Free bid: Auction where the highest bidder wins; can be up to 50-70% of the group’s fund.
  • Fixed bid: Bidding with a fixed maximum percentage (usually 20%), preferred for retirement projects due to lower cost.
  • Mixed bid: Combines fixed and free bid elements.
  • Loyalty bid: For members who have paid consistently for 36 months, offering lower bid amounts.
• Bidding percentages and rules vary by group and product type (real estate vs. automotive).
• Members can bid as soon as they join; bidding days coincide with federal lottery draws.

Debt Management & Selling Quotas:

• Members can pay off their quota early but it is generally not financially advantageous due to low administrative fees and higher potential returns if money is kept invested.
• Ademicon offers a "Debt Assumption" program where members can sell their outstanding quota balance to another buyer at a discount (up to 30% off).
• Selling and buying consortium quotas is a real market, but mostly profitable for those who have been contemplated and want to exit.
• Ademicon guarantees buying back quotas within 48 hours under certain conditions.

Company & Market Highlights:

• Ademicon is 33 years old, founded by Roberto Justus and backed by major investors including Tricorp and the sovereign wealth fund of Singapore.
• It is the largest private consortium administrator, surpassing banks in sales volume (3.5 billion BRL/month vs. 250 million by others).
• The consortium market grew 40% recently, with Ademicon capturing a large share.
• Ademicon is highly rated for customer service and reliability, with low complaint rates.
• The company is preparing for an IPO.

Notable Locations, Products, and Speakers:

• Locations: São Paulo (main market for real estate consortiums and rentals).