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Speaking as an experienced trader who's always cautious about where I place my funds, I find that XP Investimentos offers one of the most diverse selections of trading instruments I've encountered from a Brazilian platform. For me, the ability to access fixed income products, futures, stocks, investment funds, real estate funds, COEs, IPOs, as well as private pension and life insurance products, allows for truly comprehensive portfolio diversification. This broad range is genuinely beneficial for building multi-asset strategies—it means I can take a holistic approach to my investments without needing multiple platforms. However, I do need to address the fee structure and overall cost transparency, since those are vital for my decision-making. While XP Investimentos offers certain perks—like a Visa Infinite card with waived annual fees and up to 1% cashback on purchases over R$3,000—the trading costs, especially with international procurement fees ranging from 0.5% to 1% and platform fees such as Nelogica Profit Ultra starting at a notable monthly cost, should not be underestimated. These can add up, especially if I am an active trader or need advanced trading tools regularly. The lack of formal regulation is also a significant factor for me. Even though the product variety is compelling, the absence of regulatory oversight means I have to be extra careful with risk management and capital exposure. In summary, XP Investimentos stands out in terms of available trading instruments, but its fee structure and regulatory status require very careful consideration, especially for someone as risk-averse as I am.