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NYTThe Powerful Yet Fragile Force Propping Up Stocks and the Economy·NYTTariffs Are Making Instruments So Expensive, School Music Programs Are at Risk·Al Jazeera‘They are crying’: Refugees in Malaysia in fear amid Myanmar deportation·France 24France unveils cost-cutting budget amid protests·Bank of JapanJapanese Government Bonds Held by the Bank of Japan·BBCLorry training firm 'riding out' record diesel price·Al JazeeraIran urges Iraq to lift flight ban amid US sanctions·SCMPPhilippines’ jeepney drivers ‘stuck between a rock and a hard place’ despite fare increase·NYTThe Powerful Yet Fragile Force Propping Up Stocks and the Economy·NYTTariffs Are Making Instruments So Expensive, School Music Programs Are at Risk·Al Jazeera‘They are crying’: Refugees in Malaysia in fear amid Myanmar deportation·France 24France unveils cost-cutting budget amid protests·Bank of JapanJapanese Government Bonds Held by the Bank of Japan·BBCLorry training firm 'riding out' record diesel price·Al JazeeraIran urges Iraq to lift flight ban amid US sanctions·SCMPPhilippines’ jeepney drivers ‘stuck between a rock and a hard place’ despite fare increase·
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R$

Brazilian Real

BRL · Brazil

35
Moderate
Risk
Historical Scores
313538Jul 2021Jul 2025Oct 2026
What does this mean for you?

The Brazilian Real is in decent shape overall, scoring 35 out of 100. There are some areas to watch, but no immediate danger. Your money is holding its value reasonably well compared to most currencies.

You need at least 6.5%/yr returns. Money in a basic account is slowly losing value. Calculator ↓

Inflation
5.0%
Debt / GDP
81.9%
GDP Growth
2.3%
FX Volatility
5.9
Governance
-0.2
Reserves
8.4 mo
Analysis
What's working well
Healthy foreign currency reserves as a safety net
What to watch out for
No major concerns
Full Brazil analysis →

Savings Impact Calculator

R$
Holding cash in BRL5.0% inflation
R$783−R$217 (22% purchasing power lost)
Your R$1,000 buys 22% less in 5 years
What if you invested R$1,000 instead? (5yr, in BRL terms)
USD-denominated assets gain an additional ~2.0%/yr from expected BRL depreciation vs USD
Hold USD Cash
R$952
−R$48
-1.0%/yr net in BRL
S&P 500
R$1764
+R$764
range: R$816–R$3438
10% USD return + 2.0% FX · ±16% vol
Gold
R$1612
+R$612
range: R$471–R$4323
8% USD return + 2.0% FX · ±24% vol
Bitcoin
R$3306
+R$2306
range: R$208–R$19.4k
25% USD return + 2.0% FX · ±54% vol

All values in BRL. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~2.0%/yr based on the inflation differential between Brazil (5.0%) and the US (~3%). This uses purchasing power parity as a long-run approximation — actual FX movements can differ significantly in the short term. S&P 500 based on 1957-2024, Gold on 2000-2024, Bitcoin on 2015-2024. Past performance does not guarantee future results. Not financial advice.

Holding other assets too? Calculate your full portfolio risk →
This score is based on our 12-factor risk model. Think inflation or debt should matter more? Build your own model with custom weights and see how BRL ranks differently.
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