Apoena ResearchAs of 21 Sep 2026

Portfolio 2 · Personal plan · carry

Θ Theta

Carry: the overnight repo, government bonds and bank paper, earning the rate as the days pass.

Before 1 October 2026

The written investment policy takes effect on 1 October 2026. Every figure on this page is from before it: the portfolios' history, shown so that nothing is left out, and not yet a record kept under the policy.

Objective

110% of the CDI a year, before tax

In force from 1 October 2026. Everything before that date is history, shown so that nothing is left out.

CloseUnit valueAug 20262026 to the close12 monthsSince startCDI, same period% of CDIShare of the wholeValuations
30 August 2026127.07+1.05%+8.86%+13.18%+27.07%+31.64%85.55%29.44%29

At the 30 August 2026 close, the last month-end the CDI series read here reaches; the unit value is 100 at the first complete valuation, 30 June 2024. Since the close: the valuation of 21 September 2026, +27.60% since the start, in the month table below. The share of the whole and the count of valuations are at 21 September 2026.

Performance

Choose a period.

A preset or a calendar year: the chart and the figures under it follow. The figures run to the last month-end close, against the CDI compounded over exactly the same sub-periods; the curve runs on to the latest valuation.

  • Θ Theta
  • CDI
  • An approximation
Θ Theta against the CDI, 3M: from 31 May 2026Θ Theta: 6 point(s) drawn, 0 with no value; CDI: 5 point(s) drawn, 1 with no value0%+2%+4%+6%+8%+10%Jun 2026Jul 2026Aug 2026Sep 2026Θ Theta 2026-06-19: a return that is an approximationΘ Theta 2026-07-31: a return that is an approximationΘ Theta 2026-08-30: a return that is an approximationΘ Theta: 10.16 on 2026-09-21CDI: 3.41 on 2026-08-30Θ Theta +10.16%CDI +3.41%
Θ Theta and the CDI, each from zero at 31 May 2026, in percent. Θ Theta 6 point(s), 3 ringed; CDI 5 point(s), 1 with no value and not drawn.
  • Θ Theta
Θ Theta: distance below its own highest point, 3MΘ Theta: 6 point(s) drawn, 0 with no value-2.5%-2%-1.5%-1%-0.5%0%Jun 2026Jul 2026Aug 2026Sep 2026Θ Theta: 0.00 on 2026-09-21Θ Theta 0.00%
How far the portfolio stood below the highest point its own record had reached, in percent, at each valuation point; zero is a new high. Θ Theta 6 point(s).

The curve runs to the latest valuation, 21 September 2026; the figures beside it run to the 30 August 2026 close, the last month-end the CDI series read here reaches.

Return+9.70%31 May 2026 to the 30 August 2026 close
CDI+3.41%Over the same sub-periods
% of CDI284.21%The return over the CDI's
AnnualisedNot annualised over a year or less
Deepest below its high-2.44%Feb 2026 to May 2026
Best · worst month+7.97% · +0.55%Jun 2026 · Jul 2026; 3 monthly observation(s)
  • Θ Theta
  • CDI
  • An approximation
Θ Theta against the CDI, 6M: from 28 February 2026Θ Theta: 9 point(s) drawn, 0 with no value; CDI: 8 point(s) drawn, 1 with no value-5%-2.5%0%+2.5%+5%+7.5%Mar 2026Apr 2026May 2026Jun 2026Jul 2026Aug 2026Sep 2026Θ Theta 2026-03-31: a return that is an approximationΘ Theta 2026-06-19: a return that is an approximationΘ Theta 2026-07-31: a return that is an approximationΘ Theta 2026-08-30: a return that is an approximationΘ Theta: 7.48 on 2026-09-21CDI: 6.94 on 2026-08-30Θ Theta +7.48%CDI +6.94%
Θ Theta and the CDI, each from zero at 28 February 2026, in percent. Θ Theta 9 point(s), 4 ringed; CDI 8 point(s), 1 with no value and not drawn.
  • Θ Theta
Θ Theta: distance below its own highest point, 6MΘ Theta: 9 point(s) drawn, 0 with no value-5%-4%-3%-2%-1%0%Mar 2026Apr 2026May 2026Jun 2026Jul 2026Aug 2026Sep 2026Θ Theta: 0.00 on 2026-09-21Θ Theta 0.00%
How far the portfolio stood below the highest point its own record had reached, in percent, at each valuation point; zero is a new high. Θ Theta 9 point(s).

The curve runs to the latest valuation, 21 September 2026; the figures beside it run to the 30 August 2026 close, the last month-end the CDI series read here reaches.

Return+7.03%28 February 2026 to the 30 August 2026 close
CDI+6.94%Over the same sub-periods
% of CDI101.23%The return over the CDI's
AnnualisedNot annualised over a year or less
Deepest below its high-4.91%Feb 2026 to Mar 2026
Best · worst month+7.97% · -4.91%Jun 2026 · Mar 2026; 6 monthly observation(s)
  • Θ Theta
  • CDI
  • An approximation
Θ Theta against the CDI, YTD: from 31 December 2025Θ Theta: 11 point(s) drawn, 0 with no value; CDI: 10 point(s) drawn, 1 with no value-2%0%+2%+4%+6%+8%Jan 2026Feb 2026Mar 2026Apr 2026May 2026Jun 2026Jul 2026Aug 2026Sep 2026Θ Theta 2026-03-31: a return that is an approximationΘ Theta 2026-06-19: a return that is an approximationΘ Theta 2026-07-31: a return that is an approximationΘ Theta 2026-08-30: a return that is an approximationΘ Theta: 9.32 on 2026-09-21CDI: 9.27 on 2026-08-30Θ Theta +9.32%CDI +9.27%
Θ Theta and the CDI, each from zero at 31 December 2025, in percent. Θ Theta 11 point(s), 4 ringed; CDI 10 point(s), 1 with no value and not drawn.
  • Θ Theta
Θ Theta: distance below its own highest point, YTDΘ Theta: 11 point(s) drawn, 0 with no value-5%-4%-3%-2%-1%0%Jan 2026Feb 2026Mar 2026Apr 2026May 2026Jun 2026Jul 2026Aug 2026Sep 2026Θ Theta: 0.00 on 2026-09-21Θ Theta 0.00%
How far the portfolio stood below the highest point its own record had reached, in percent, at each valuation point; zero is a new high. Θ Theta 11 point(s).

The curve runs to the latest valuation, 21 September 2026; the figures beside it run to the 30 August 2026 close, the last month-end the CDI series read here reaches.

Return+8.86%31 December 2025 to the 30 August 2026 close
CDI+9.27%Over the same sub-periods
% of CDI95.65%The return over the CDI's
AnnualisedNot annualised over a year or less
Deepest below its high-4.91%Feb 2026 to Mar 2026
Best · worst month+7.97% · -4.91%Jun 2026 · Mar 2026; 8 monthly observation(s)
  • Θ Theta
  • CDI
  • An approximation
Θ Theta against the CDI, 12M: from 31 August 2025Θ Theta: 15 point(s) drawn, 0 with no value; CDI: 14 point(s) drawn, 1 with no value0%+5%+10%+15%Sep 2025Nov 2025Jan 2026Mar 2026May 2026Jul 2026Sep 2026Θ Theta 2025-10-31: a return that is an approximationΘ Theta 2025-12-31: a return that is an approximationΘ Theta 2026-03-31: a return that is an approximationΘ Theta 2026-06-19: a return that is an approximationΘ Theta 2026-07-31: a return that is an approximationΘ Theta 2026-08-30: a return that is an approximationΘ Theta: 13.65 on 2026-09-21CDI: 14.57 on 2026-08-30CDI +14.57%Θ Theta +13.65%
Θ Theta and the CDI, each from zero at 31 August 2025, in percent. Θ Theta 15 point(s), 6 ringed; CDI 14 point(s), 1 with no value and not drawn.
  • Θ Theta
Θ Theta: distance below its own highest point, 12MΘ Theta: 15 point(s) drawn, 0 with no value-5%-4%-3%-2%-1%0%Sep 2025Nov 2025Jan 2026Mar 2026May 2026Jul 2026Sep 2026Θ Theta: 0.00 on 2026-09-21Θ Theta 0.00%
How far the portfolio stood below the highest point its own record had reached, in percent, at each valuation point; zero is a new high. Θ Theta 15 point(s).

The curve runs to the latest valuation, 21 September 2026; the figures beside it run to the 30 August 2026 close, the last month-end the CDI series read here reaches.

Return+13.18%31 August 2025 to the 30 August 2026 close
CDI+14.57%Over the same sub-periods
% of CDI90.45%The return over the CDI's
AnnualisedNot annualised over a year or less
Deepest below its high-4.91%Feb 2026 to Mar 2026
Best · worst month+7.97% · -4.91%Jun 2026 · Mar 2026; 12 monthly observation(s)
  • Θ Theta
  • CDI
  • An approximation
Θ Theta against the CDI, 2Y: from 31 August 2024Θ Theta: 27 point(s) drawn, 0 with no value; CDI: 26 point(s) drawn, 1 with no value0%+10%+20%+30%20252026Θ Theta 2025-01-31: a return that is an approximationΘ Theta 2025-02-28: a return that is an approximationΘ Theta 2025-10-31: a return that is an approximationΘ Theta 2025-12-31: a return that is an approximationΘ Theta 2026-03-31: a return that is an approximationΘ Theta 2026-06-19: a return that is an approximationΘ Theta 2026-07-31: a return that is an approximationΘ Theta 2026-08-30: a return that is an approximationΘ Theta: 25.57 on 2026-09-21CDI: 29.33 on 2026-08-30CDI +29.33%Θ Theta +25.57%
Θ Theta and the CDI, each from zero at 31 August 2024, in percent. Θ Theta 27 point(s), 8 ringed; CDI 26 point(s), 1 with no value and not drawn.
  • Θ Theta
Θ Theta: distance below its own highest point, 2YΘ Theta: 27 point(s) drawn, 0 with no value-5%-4%-3%-2%-1%0%20252026Θ Theta: 0.00 on 2026-09-21Θ Theta 0.00%
How far the portfolio stood below the highest point its own record had reached, in percent, at each valuation point; zero is a new high. Θ Theta 27 point(s).

The curve runs to the latest valuation, 21 September 2026; the figures beside it run to the 30 August 2026 close, the last month-end the CDI series read here reaches.

Return+25.05%31 August 2024 to the 30 August 2026 close
CDI+29.33%Over the same sub-periods
% of CDI85.40%The return over the CDI's
Annualised+11.84%Compound, per year
Deepest below its high-4.91%Feb 2026 to Mar 2026
Best · worst month+7.97% · -4.91%Jun 2026 · Mar 2026; 24 monthly observation(s)
  • Θ Theta
  • CDI
  • An approximation
Θ Theta against the CDI, since start: from 30 June 2024Θ Theta: 29 point(s) drawn, 0 with no value; CDI: 28 point(s) drawn, 1 with no value0%+10%+20%+30%20252026Θ Theta 2024-08-31: a return that is an approximationΘ Theta 2025-01-31: a return that is an approximationΘ Theta 2025-02-28: a return that is an approximationΘ Theta 2025-10-31: a return that is an approximationΘ Theta 2025-12-31: a return that is an approximationΘ Theta 2026-03-31: a return that is an approximationΘ Theta 2026-06-19: a return that is an approximationΘ Theta 2026-07-31: a return that is an approximationΘ Theta 2026-08-30: a return that is an approximationΘ Theta: 27.60 on 2026-09-21CDI: 31.64 on 2026-08-30CDI +31.64%Θ Theta +27.60%
Θ Theta and the CDI, each from zero at 30 June 2024, in percent. Θ Theta 29 point(s), 9 ringed; CDI 28 point(s), 1 with no value and not drawn.
  • Θ Theta
Θ Theta: distance below its own highest point, since startΘ Theta: 29 point(s) drawn, 0 with no value-5%-4%-3%-2%-1%0%20252026Θ Theta: 0.00 on 2026-09-21Θ Theta 0.00%
How far the portfolio stood below the highest point its own record had reached, in percent, at each valuation point; zero is a new high. Θ Theta 29 point(s).

The curve runs to the latest valuation, 21 September 2026; the figures beside it run to the 30 August 2026 close, the last month-end the CDI series read here reaches.

Return+27.07%30 June 2024 to the 30 August 2026 close
CDI+31.64%Over the same sub-periods
% of CDI85.55%The return over the CDI's
Annualised+11.69%Compound, per year
Deepest below its high-4.91%Feb 2026 to Mar 2026
Best · worst month+7.97% · -4.91%Jun 2026 · Mar 2026; 26 monthly observation(s)
  • Θ Theta
  • CDI
  • An approximation
Θ Theta against the CDI, 2024: from 30 June 2024Θ Theta: 7 point(s) drawn, 0 with no value; CDI: 7 point(s) drawn, 0 with no value0%+1%+2%+3%+4%+5%Jul 2024Aug 2024Sep 2024Oct 2024Nov 2024Dec 2024Θ Theta 2024-08-31: a return that is an approximationΘ Theta: 4.11 on 2024-12-31CDI: 5.38 on 2024-12-31CDI +5.38%Θ Theta +4.11%
Θ Theta and the CDI, each from zero at 30 June 2024, in percent. Θ Theta 7 point(s), 1 ringed; CDI 7 point(s).
  • Θ Theta
Θ Theta: distance below its own highest point, 2024Θ Theta: 7 point(s) drawn, 0 with no value-1%-0.5%0%+0.5%+1%Jul 2024Aug 2024Sep 2024Oct 2024Nov 2024Dec 2024Θ Theta: 0.00 on 2024-12-31Θ Theta 0.00%
How far the portfolio stood below the highest point its own record had reached, in percent, at each valuation point; zero is a new high. Θ Theta 7 point(s).
Return+4.11%30 June 2024 to the 31 December 2024 close
CDI+5.38%Over the same sub-periods
% of CDI76.34%The return over the CDI's
AnnualisedA calendar year's return is its own
Deepest below its high0.00%No fall inside the period
Best · worst month+0.93% · +0.32%Oct 2024 · Nov 2024; 6 monthly observation(s)
  • Θ Theta
  • CDI
  • An approximation
Θ Theta against the CDI, 2025: from 31 December 2024Θ Theta: 13 point(s) drawn, 0 with no value; CDI: 13 point(s) drawn, 0 with no value0%+5%+10%+15%Jan 2025Feb 2025Mar 2025Apr 2025May 2025Jun 2025Jul 2025Aug 2025Sep 2025Oct 2025Nov 2025Dec 2025Θ Theta 2025-01-31: a return that is an approximationΘ Theta 2025-02-28: a return that is an approximationΘ Theta 2025-10-31: a return that is an approximationΘ Theta 2025-12-31: a return that is an approximationΘ Theta: 12.12 on 2025-12-31CDI: 14.32 on 2025-12-31CDI +14.32%Θ Theta +12.12%
Θ Theta and the CDI, each from zero at 31 December 2024, in percent. Θ Theta 13 point(s), 4 ringed; CDI 13 point(s).
  • Θ Theta
Θ Theta: distance below its own highest point, 2025Θ Theta: 13 point(s) drawn, 0 with no value-1%-0.5%0%+0.5%+1%Jan 2025Feb 2025Mar 2025Apr 2025May 2025Jun 2025Jul 2025Aug 2025Sep 2025Oct 2025Nov 2025Dec 2025Θ Theta: 0.00 on 2025-12-31Θ Theta 0.00%
How far the portfolio stood below the highest point its own record had reached, in percent, at each valuation point; zero is a new high. Θ Theta 13 point(s).
Return+12.12%31 December 2024 to the 31 December 2025 close
CDI+14.32%Over the same sub-periods
% of CDI84.59%The return over the CDI's
AnnualisedA calendar year's return is its own
Deepest below its high0.00%No fall inside the period
Best · worst month+1.23% · +0.57%Mar 2025 · Aug 2025; 12 monthly observation(s)

Month by month

Every month since the start.

JanFebMarAprMayJunJulAugSepOctNovDecYearCDI% of CDI
2026to date1.04%0.67%-4.91%°1.42%1.16%7.97%°0.55%°1.05%°0.42%+9.32%°+9.27%¹95.65%¹
20250.85%°0.75%°1.23%1.07%1.07%0.92%1.14%0.57%1.02%1.04%°0.82%1.03%°+12.12%°+14.32%84.59%
2024part of the year0.92%0.69%°0.85%0.93%0.32%0.34%+4.11%°+5.38%76.34%

° Day-weighted: the month held a deposit or withdrawal of at least a tenth of its sub-period's opening value that no valuation met within a day, so every deposit and withdrawal of that sub-period counts from the day it arrived (Modified Dietz), an approximation still; restated on 22 September 2026: Mar 2026 -2.85% to -4.91%; Jun 2026 +13.12% to +7.97%; Jul 2026 +0.74% to +0.55%; Aug 2026 +1.09% to +1.05%; 2026 +17.30% to +9.32%; Jan 2025 +0.80% to +0.85%; Feb 2025 +0.55% to +0.75%; Oct 2025 +1.11% to +1.04%; Dec 2025 +0.88% to +1.03%; 2025 +11.75% to +12.12%; Aug 2024 +0.70% to +0.69%; 2024 +4.11% to +4.11%.

Italic: the month still open, to the latest valuation, 21 September 2026.

¹ 2026's CDI and share of it run to the 30 August 2026 close, over the year's return to that close (+8.86%); the Year column runs to the latest valuation.

Policy · in force from 1 October 2026

How it is run.

The policy in words, as decided on 14 September 2026: nothing here is a live check of the book against it.

  • Objective for the two personal plans: 110% of the CDI a year, before tax, counted from the inception date. Each company treasury follows a policy of its own.
  • Each personal plan follows a written plan with its own drawdown limit: 10% for one and 20% for the other. A breach of a drawdown limit brings a written review; it never forces a sale.
  • Rebalancing: each sleeve may drift from its target by a quarter of the target, never by less than 2 points and never by more than 5. A sleeve outside its band is brought back within a month. The portfolios are reviewed quarterly and read monthly.
  • Concentration: at most 10% in any one share, fund or coin, and at most 15% with any one banking group. Government bonds are not capped. The five largest holdings are at most 60%, counting credit and equity only. Credit issued by the custodian's own bank is at most 15% of each portfolio.
  • Deposit insurance: bank deposits and bank paper stay within the Brazilian deposit guarantee (FGC) per holder and financial conglomerate.
  • Cash: a reserve held inside a plan is outside its return goal; money earmarked for transfer is held outside the portfolios.
  • Target weights for each sleeve are set per plan and are published with the first figures after inception.

At a glance

Type
Personal plan · carry
First complete valuation
30 June 2024
Valuations to date
29
Benchmark
The CDI, Banco Central do Brasil's daily series (SGS 12)
Objective
110% of the CDI a year, before tax
Returns
Time-weighted, in Brazilian reais, chained between complete valuations; 9 of its 28 sub-periods day-weighted
Fees
No management or performance fee is charged.

Risk

How much it has moved.

Over the whole record, at month-end closes. Volatility is the standard deviation of the monthly returns, annualised; Sharpe and Sortino take the CDI as the risk-free rate. Volatility, Sharpe and Sortino need 12 monthly observations; the drawdown, 2 sub-periods, read at every valuation point. Every figure is an estimate from a short record.

Volatility6.40%Annualised
Max drawdown-4.91%Feb 2026 to Mar 2026
Sharpe-0.23Against the CDI
Sortino-0.33Against the CDI
Monthly observations26Returns between consecutive month-end closes
An approximation in the path

The deepest fall, Feb 2026 to Mar 2026, runs through 1 day-weighted sub-period(s), whose returns are approximations.

Assets

What it holds.

The asset mix at the latest valuation, 21 September 2026, as weights of the portfolio's own value, and its largest holdings.

Θ Theta: the asset mix, withheld until the next closeNext closeasset mix
Arrives with the next close

Theta's asset mix returns with the next close. Its September statement carries the overnight cash sweep under a name the classification does not yet recognise, so the sweep reads as Brazilian equities; a weight is not published until it is right.

Files

The figures, to download.

Month-by-month returnsCSV · ratios to six places