It is interesting to analyze the performance of $BTC during this period, as it had large fluctuations. To calculate how much you would have, we need to do an approximate simulation, since the price of $BTC varies daily.
Let's consider:
Investment: R$ 100 per month, from January 2020 to June 2025. This totals 66 months of investment.
Average Bitcoin price: We will use approximate market values for January 2020 and the current price in June 2025 (keeping in mind that the value varies every second).
Approximate reference values:
January 2020: Bitcoin was around R$ 29,000 to R$ 30,000 (US$ 7,000). Let's use R$ 30,000.
June 2025: Bitcoin is around R$ 570,000 to R$ 590,000 (US$ 105,000 to US$ 107,000). Let's use R$ 580,000.
Simplified calculation:
Total invested: R$ 100/month * 66 months = R$ 6,600
Average appreciation: Bitcoin rose from around R$ 30,000 to R$ 580,000 during this period. This is an appreciation of approximately 1833% (almost 19 times the initial value).
If you had invested R$ 100 per month in Bitcoin from January 2020 to June 2025, the exact calculation would be complex, as each R$ 100 would buy a different fraction of Bitcoin each month, depending on the day's price. However, to get an idea of the potential, we can consider that the total amount invested (R$ 6,600) would have followed the average appreciation of Bitcoin during the period.
Considering the appreciation of Bitcoin between January 2020 and June 2025:
Appreciation in Reais:
Price in Jan/2020: R$ 30,000
Price in Jun/2025: R$ 580,000
Appreciation factor: R$ 580,000 / R$ 30,000 = 19.33
If your average investment had followed this appreciation:
R$ 6,600 (total invested) * 19.33 (appreciation factor) ≈ R$ 127,578
Important Notes:
Volatility: Bitcoin is extremely volatile. There have been moments when the price dropped significantly, and others when it rose a lot. This calculation is a simplified estimate and does not take into account the 'dollar-cost averaging' strategy, which would involve monthly purchases at different prices.
Fees: Brokerage fees for buying and selling Bitcoin were not considered, as they vary between platforms.
Past returns do not guarantee future returns: The performance of Bitcoin in the past is not a guarantee that it will behave the same way in the future.
In summary, an investment of R$ 100 per month in Bitcoin from 2020 to 2025, considering the strong appreciation of the cryptocurrency during this period, would have a very significant potential return, turning the R$ 6,600 invested into a considerably higher amount, estimated at approximately R$ 127,578.
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