Your money can earn in reais
while you live in dollars.
Double-digit interest rates, an account in your own name at a Brazilian bank, and a CVM-registered consultant who speaks your language, in your time zone. No product commissions and no need to travel to Brazil.
Pick your case
The interest-rate gap you don't see where you live
Each country's policy rate on the date shown. It is the reference for fixed income, not a promise of return: currency, tax and inflation are all part of the assessment.
Sources: Central Bank of Brazil (Copom, Sept 16, 2026) and the Federal Reserve (FOMC, Sept 16, 2026). Updated Oct 1, 2026.
Four steps, none of them in Brazil
Thirty minutes by video, at your time, in English or Portuguese. I map your goal, horizon, tax situation and what you hold here and there. No cost.
Tax exit filing, CPF, tax representative: we settle the part that stalls most people before a single real moves. Already in order? We skip it.
A non-resident account at a top-tier Brazilian bank, with Pix, card and official remittances. The money never passes through me.
A CVM-authorised asset manager builds and rebalances the portfolio within the policy we set. You follow it in the app and talk to me at every review.
Three things your account abroad does not give you
Brazilian fixed income pays one of the highest real interest rates in the world. If you plan to return, have family in Brazil or want currency diversification, it is a premium that does not exist in dollars or euros.
Exit filing, tax representative, IOF on remittances, withholding at source: each has a right way. It is the scariest part and the one I solve fastest.
You talk to me at your hours. The portfolio is looked after every day by a CVM-authorised asset manager. The money stays in your name, at the bank.
Designed for your goal, not for the product of the month
For money you want at hand on trips to Brazil or for family.
Government and bank bonds, the core of a non-resident portfolio.
With the full account, capital gains on listed shares are income-tax exempt for residents of non-tax-haven countries.
Monthly contributions from abroad, building the income for the day you come back.
No legalese, in four lines
To invest as a non-resident, yes: it sets your tax regime and appoints the tax representative. If you have not, it is step one and I walk you through it.
Withheld at source in Brazil by the bank itself. No annual Brazilian return needed; your home-country rules are part of the assessment.
For non-residents outside tax havens, capital gains on the exchange are income-tax exempt in Brazil under the full-account regime. Dividends became subject to withholding in 2026; I explain your case.
Through official remittance channels, with reduced IOF when properly structured. In and out always through your own account, in your name, with records for both countries.
This is an explanation, not advice. Your country of residence's rules and double-taxation treaties vary, which is why the assessment is individual.
Three layers, three responsibilities
Cassio Cibils, securities consultant registered with the CVM, Brazil's securities regulator (004949-2). Ten years in a universal bank as a corporate relationship manager. Paid a fixed fee under contract, never a product commission. Service in English and Portuguese.
An independent asset manager authorised by the CVM to run portfolios. Builds, monitors and rebalances your portfolio every day, with reporting, within the policy we define together.
Account and custody sit at a top-tier Brazilian bank, in your name. Neither I nor the manager can touch your money: only a mandate to manage what is there.
And who it is not for
- You have from US$ 100,000 to allocate in Brazil, at once or in instalments.
- You want to build or keep wealth in reais: to return, for family, or to diversify currency.
- You accept a multi-year horizon and want someone looking after it, not an app to trade on your own.
- Anyone looking to bet on the exchange rate or trade short term.
- Anyone expecting guaranteed returns or promised performance.
- Anyone who needs the money back within a few months.
Below US$ 100,000 I point you to the right path during the assessment itself, without tying up your calendar or mine with a plan that does not pay for itself.
What everyone asks before starting
I filed my tax exit from Brazil. Can I still invest there?
Yes. The non-resident account exists precisely for that. What changes is the tax regime and the need for a tax representative, which the bank appoints.
I never filed the tax exit and have lived abroad for years. Now what?
Common and fixable. Step one is getting compliant; I guide you and work with the accountant. I never promise it is simple before looking at the case.
Do I need to travel to Brazil?
No. Assessment, account opening, signatures and follow-up are all done remotely, by video and through the bank's app.
What language is the service in?
English and Portuguese, by video, e-mail and WhatsApp, at agreed times in your time zone.
Can I contribute monthly from abroad?
Yes. Recurring remittances are set up through the official channel and land in your Brazilian account.
How do I bring the money back?
Through the same account, by official remittance, with proof of origin. The portfolio is designed so that this is possible without dismantling anything in a hurry.
What does it cost?
A fixed management fee agreed in a direct contract, with no product commission, no entry or exit fees. The bank's full account has its own annual fee; the simple one has none. Everything stated before we start.
Do you hold my money?
Never. It stays at the bank, in your name. The manager and I work under a mandate to manage, not possession.
Do you serve US residents?
Yes, at the investor's own initiative and under a contract in Brazil covering Brazilian assets. In the assessment I explain what applies to US residents.
Thirty minutes to find out whether it makes sense
Tell me where you are and what you want to solve. I reply within one business day, in your language, with two or three slots in your time zone.
Would you rather talk before filling anything in?
Message me on WhatsApp and say in one sentence what you want to solve. I answer personally.