Delegado Romani Investment Plan: R$50k a Month

If you have never invested and want R$50,000 a month later, the Delegado Romani investment plan is the worked example. The plan for Romani, a São Paulo civil police delegate, pairs a spending tracker with a portfolio that holds 45% in CDI at the start, plus speaking income intended to raise his monthly contributions. Everything in it was recorded in one session with the founder of the Primo Rico channel, and the follow-up reviews are the part that will show whether it works.

What the Delegado Romani investment plan actually sets out to do

The Delegado Romani investment plan aims to build R$50,000 a month in passive income from a target net worth of about R$10 million in today's money. Romani, a São Paulo civil police delegate with no prior investments, recorded the plan with Thiago Nigro, founder of the Primo Rico finance channel, in an episode published on 29 September 2026. The plan splits into three workstreams: personal budgeting, an investment portfolio, and new income from paid speaking.

The target is stated as an income figure, not a lump sum, so everything else gets derived backwards from it. Portfel, the advisory arm of the group, runs the modelling, and the video's closing walkthrough shows a projection line for required capital against projected contributions. Portfel is an independent financial advisory firm acquired by the group that runs the Primo Rico channel; the podcast describes the acquisition as part of building an advisory arm rather than a product launch.

One claim in the episode needs care: Nigro says the group manages R$24 billion. That is a first-party figure spoken on camera during the recording, and it applies to the group as a whole, not to Romani's account or to the portfolio described for him. Treat it as a vendor-reported number.

The starting position: zero invested at 43 with two infant children

Romani begins with no invested assets at all, at 43, with one-year-old twins and the earning capacity of a public salary plus occasional consulting. He states on camera that he has never invested a real and keeps no meaningful allocation anywhere, which makes the case a genuine zero-to-one exercise rather than a rebalancing problem. He describes the relationship bluntly: the family worked and let life take its course, spending as it went, and investing is, in his words, the weak point of his life.

That detail matters for the plan's shape. A portfolio built for someone starting from zero prioritises contribution capacity and liquidity over optimisation, because there is nothing to optimise yet. The episode repeatedly returns to the contribution rate as the variable that decides the outcome, not the selection of individual securities.

His risk profile was set as moderate through a suitability questionnaire filled in the day before the recorded session. In the Brazilian classification used here, moderate means a long horizon and a small appetite for volatility, with the split revisitable at periodic reviews rather than fixed for life. The advisor also says the profile was set by a form filled in the day before, so it is a starting classification rather than a considered one.

Budgeting first: Open Finance tracking before any allocation

Budgeting comes before any investment decision, and the mechanism is Open Finance account connectivity, Brazil's central-bank-regulated data-sharing framework. A planner connects the client's bank accounts, categorises each transaction automatically, and compares month-to-date spending against agreed limits, so the correction happens during the month instead of after it.

The stated goal of the budgeting layer is not frugality for its own sake. It is to produce a reliable monthly surplus figure, because the contribution that surplus feeds is the input that drives the entire projection. Nigro frames the planner as a personal trainer for spending, working inside limits the client agreed to rather than imposing a budget from outside.

The practical problem the tracker solves is visibility. As the advisor puts it on camera, Romani did not know how much he paid in rent, where he was living, or how much he had spent on food delivery in a month. Connected spending categories fill in as the month runs, which replaces the end-of-month routine of adding everything up after the money is already gone with a mid-month check on whether a category has gone over its limit.

A planning dashboard then maps three buckets the episode names as essential, desires and dreams. Essential spending covers fixed costs, desires cover discretionary items, and dreams cover the large one-off goals. The projection starts at the client's current age and runs to a chosen independence age, showing the monthly amount that has to be saved and the income that capital is expected to produce.

For Romani, the named projects include a property purchase and a political candidacy, plus a precatório, a Brazilian court-ordered government payment, that the plan considers bringing forward so it can be invested rather than left pending. On the property, the advisor flags that financing is expensive at the time of recording, with bank rates landing somewhere between 13% and 14% a year while comparable fixed income pays more, so holding cash and waiting can beat buying now. Portfel has an internal team that handles financing calculations for clients who decide to move.

One detail worth noting for anyone doing the same exercise: buying the property removes the rent payment and frees up cash flow, which the projection feeds back into the monthly surplus.

The portfolio split: 45% CDI and the rest by role

The starting portfolio holds 45% in CDI-linked assets, Brazil's near-risk-free benchmark rate, with the remainder divided between inflation-linked bonds, pre-fixed bonds, Brazilian equities and international assets. The advisor notes that CDI was yielding close to 14% at the time of the recording, which is why the safest sleeve still produces a meaningful nominal return.

Every allocation is assigned a job: liquidity, inflation protection, predictability, growth, or currency diversification. The table below reproduces the allocations shown in the recorded walkthrough. Treat the percentages as the plan presented for one specific client in September 2026, not as a model portfolio for general use.

Sleeve	Allocation	Job in the portfolio	Implementation
CDI-linked	45%	Liquidity and ballast	Emergency reserve, opportunity reserve, laddered maturities
Inflation-linked	30%	Real return above inflation	National Treasury bonds, spread across maturities
Pre-fixed	10%	Predictability to maturity	Bank CDBs with the rate locked at purchase
Brazilian equities	5%	Growth without single-name risk	ETF tracking a Brazilian index basket
International	10%	Currency diversification	Irish-domiciled ETFs: 4% fixed income, 6% equities

How each portfolio sleeve earns its place

• CDI, 45%: the liquidity and ballast sleeve. CDI tracks the Brazilian interbank rate, and the episode frames it as the highest-yielding genuinely safe place for reais. It holds the emergency reserve, an opportunity reserve, and laddered maturities so something is always coming due and available to reinvest.

• Inflation-linked, 30% spread across maturity buckets: the sleeve the episode calls the most important in Brazil, because the currency has lost purchasing power against the dollar over decades. The example used is a National Treasury bond paying IPCA plus 8%, meaning 8% above whatever inflation prints, so the real return holds regardless of the inflation number. The advisor's illustration is that if inflation were 200%, the bond would pay 208%; the point is that the return tracks inflation rather than being fixed in nominal terms.

• Pre-fixed, 10%: bonds with a rate locked to maturity, described with a CDB example paying 15% a year for five years that keeps paying 15% even if the policy rate falls. Rated excellent for predictability, with the obvious cost that it also locks in the downside if rates rise.

• Brazilian equities, 5%: kept small because of the moderate profile, implemented through an ETF rather than individual stock selection. The stated reason is that single-name picking mostly fails, so the index basket removes dependence on one company. The advisor also says a larger income would justify raising this share.

• International, 10%: split as 4% international fixed income and 6% international equities, all through Irish-domiciled ETFs. The stated benefit is tax: Irish-domiciled funds can reduce the US estate-tax exposure that applies to US-situs assets for non-resident investors, which matters over a multi-decade horizon. The advisor puts the size of that benefit in context by pointing out that 10% of a portfolio near retirement could be equivalent to roughly R$2 million.

The suitability framework used here has conservative, moderate and aggressive profiles, but the advisor states there is no single standard portfolio per profile. A moderate client who wants more international exposure gets more, and the same applies to Brazilian equities, with the split revisited at scheduled reviews.

The R$10 million target and why the projection is fragile

The plan's headline capital target is about R$10 million at today's values to produce R$50,000 a month, and the projection rests on assumptions that deserve to be stated plainly. The webinar-style walkthrough uses a nominal return of 11% a year and average inflation of 5% a year, both described as conservative relative to what the firm reports delivering. The 5% inflation figure is presented as the average of the last ten years.

The two assumptions do most of the work. A nominal 11% against 5% inflation implies roughly a 6% real return, and that gap, held for decades, is what turns a monthly contribution into a seven-figure portfolio. The walkthrough's own chart makes the split visible: the portion of the final portfolio that comes from returns is far larger than the portion that comes from contributions, which is the argument for starting now rather than waiting for a better entry point. Move the return assumption down by two points and the required contribution rises sharply; move the contribution up and the required return falls. Anyone copying this plan should stress-test both numbers rather than adopt the presentation's output.

The episode also states a currency argument: since the real plan of 1994, the real has lost about 10% a year on average against the dollar, so simply holding dollars has historically preserved purchasing power. That figure covers a long historical window including several currency regimes and is not a forecast, and the same period included stretches where the real strengthened.

There is an arithmetic reality worth stating about a target this size. Reaching R$10 million in today's money over roughly two decades requires contributions in the millions of reais in total, not a few hundred a month, which is why the plan pairs investing with raising income rather than relying on investing alone.

Speaking income is treated as the fastest lever

The third workstream is not an investment at all: it is turning Romani's public profile into paid speaking, and the episode presents it as the highest-leverage item on the list. Nigro calls a contact during the recording and connects Romani to a speaker-booking professional, who then runs a list of clients who hire speakers by category and price, so a request for a sales speaker or a motivation speaker gets matched to a name on that list.

Romani's audience numbers are the reason this gets prioritised. The episode states that he finished the prior year with around 12,000 to 13,000 followers and crossed 1 million within roughly six to seven months, driven by operation footage published since he took a leadership post at Itaquaquecetuba. Romani himself puts the growth at about 600,000 followers in three months, on the way to what the episode describes as more than 1.2 million. Those follower figures are spoken first-party numbers from the recording and should be read that way; they are not audited analytics.

The plan also names a book as a next step, alongside the client's existing in-person engagements. The logic is that the talks fund the contributions while the portfolio compounds, so the two reinforce each other over the same horizon.

Romani's own framing of the risk is blunt. He says he had stage-four chemotherapy at 14, which ended any football ambition but did not stop him from becoming one of the state's more operational delegates, and he describes the current attention as something to work while it lasts rather than assume it continues. He explains the decision to start filming by describing the advice of a doctor he met: the people who fill a space left empty by professionals are filling it because the professionals stay quiet. He had spent two decades in specialised units, worked at the Department of Homicide and Protection of Persons, at the city's anti-kidnapping division, and at the general internal affairs office, consulting on every crime type, and had never built his own audience before. The counter-argument he had followed until then was that anonymity is safer for that kind of police work.

Part of the visibility is also protective. After his children were born he made a promise to wear a vest on operations, and he says the team no longer lets him leave without it.

How the advisory is paid and what that changes

Portfel charges a fee-based percentage of client assets rather than product commissions, according to the advisor in the recording, and that structure is the reason the portfolio can span multiple institutions. The explanation given is that a bank-tied advisor can only place products from their own institution, while a fee-based advisor has no incentive to prefer one issuer over another. The model also means the firm's own compensation does not change based on which bond or fund ends up in the portfolio, which is the structural claim behind the multi-institution pitch.

That is a first-party account of the firm's own model, and the practical implication for a reader is simpler than the sales framing suggests: fee-based and commission-based advice both cost money, they just charge it differently, and the client should compare the total annual cost in reais against the service received.

The team structure shown on camera includes planners and investment consultants, plus a research unit that reviews each recommended asset before it reaches a client. The review covers how a fund manager is positioned and whether a bank issuing a product is leveraged. The episode mentions a bank case as an example of what that review is meant to catch, without detailing the criteria or the outcome for clients who held the asset.

The review meeting cadence is stated as every three months, which is also the point at which the allocation gets revisited. The episode also mentions the coverage ratio inside the firm: 750 investment consultants, around 700 financial planners, about 300,000 investors, and the R$24 billion figure that applies to the group as a whole.

FAQ

• How much capital do you need to generate R$50,000 a month? The plan uses about R$10 million in today's money as the target for R$50,000 a month in passive income, which implies an annual withdrawal rate near 6%. That rate is workable in a high-interest-rate environment and would be aggressive in a low-rate one, so the required capital moves with prevailing yields.

• What portfolio did the plan set for Romani? The starting allocation was 45% in CDI-linked assets, 30% spread across inflation-linked bonds, 10% pre-fixed, 5% Brazilian equities and 10% international, split as 4% fixed income and 6% equities. The profile was classified as moderate and the advisor stated the split is revisitable at reviews.

• Does the Delegado Romani investment plan prove this approach works? No. The episode records the design of a plan in September 2026, not its outcome. The follow-up format calls for reviews every few months, so any performance claim would have to come from those later recordings rather than from this one.

• Is the R$24 billion figure the group's own money? No. It is assets under management or advisement stated by the group's founder on camera during the recording, and it refers to the whole group rather than to any single client account or portfolio.

• What does the 11% return assumption actually mean? It is a nominal annual return, not a real one. Paired with 5% average inflation in the same projection, it implies roughly a 6% real return, and the walkthrough describes both numbers as conservative relative to what the firm reports delivering. Changing either one changes the required monthly contribution.

The limits of copying someone else's plan

The plan is a worked example for one person, and the assumptions that make it work are specific to his situation. Romani has a stable public salary, no dependants beyond two very young children, an unusual public profile that can convert to speaking fees, and a long enough horizon for equity exposure to matter. Remove the speaking income and the contribution capacity drops; remove the public profile and the growth lever disappears.

A reader in a different position can still take three transferable pieces. Contributions decide the outcome more than selection does, so the monthly amount matters more than which ETF is chosen. Inflation-linked bonds set real returns rather than nominal ones, which matters over decades. Currency exposure is a separate decision from asset-class exposure, and mixing them hides both.

What the episode does not provide is any independent verification. The return assumptions, the currency-loss figure and the assets under management all come from the firm presenting the plan. A reader building their own version should get current yields from the Tesouro Direto treasury platform and current policy rates from the Banco Central do Brasil, rather than working from figures spoken in a recording. Those two sources also let a reader check the premise behind the pre-fixed sleeve: a rate locked in today is only attractive relative to what the same money could earn later.

Gustavo dev doido is the kind of name that circulates in Brazilian finance social media, and it is worth separating personalities from numbers. The plan in this recording is built on assumptions a reader can check, and the check is more useful than the narrative around it.

Turn recorded expertise into a written plan

The most useful part of this episode is not the target number. It is the sequence: find the monthly surplus, set the profile, assign every sleeve a job, and treat income growth as part of the plan rather than a separate subject. Anyone who has explained a sequence like that on camera already has the raw material for an article.

That is the gap Skalablog is built for. If the explanation is sitting inside a recording, paste the YouTube URL into Skala Blog, generate the transcription, and turn it into a written article. The video already does the explaining; the article is what makes it findable.

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