u/No-Vermicelli-1741

Olá, pessoal.

Gostaria de uma segunda opinião sobre a estrutura atual do meu patrimônio e como posso otimizá-lo, considerando também a possibilidade de no médio prazo me mudar de país com a família (provavelmente para a Escandinávia).

Contexto Familiar e Renda:

- Perfil: Casado, 2 filhos pequenos (5 e 7 anos).

- Renda atual: Na faixa de R$ 72k bruto/mês (ganho em dólar).

Portfólio Atual:

- Liquidez Imediata: R$ 1 milhão (Caixinha Nubank - resgate imediato)

- Bolsa de valores: R$ 160k.

- Renda Fixa IPCA:

- R$ 200k no IPCA+ 2029

- R$ 35k no IPCA+ 2040

- R$ 18k no IPCA+ 2050

- R$ 20k Fundo investimento Itau (para aumentar relacionamento).

- R$ 36k Fundo investimento Nubank.

- R$ 3.5k Renda fixa (caixinha turbo Nubank).

- R$ 50K na INCO (aplicações diversas)

- U$ 11k em Bitcoin

Nota: a alocação de 1 milhão foram para criar uma reserva de resgate de emergencia e um marco pessoal a ser atingido.

Desde já agradeço!

Obrigado!

Hi everyone,

I'm a 38-year-old from Brazil (I live in the south of the country) holding Italian (EU) citizenship. I am married and have two kids (an 8-year-old son and a 6-year-old daughter). For years, I’ve been a deep admirer of Scandinavian culture, researching the region, and speaking to anyone who has lived/travelled there. To get a real feel for the area, my family and I are planning a scouting trip to Northern Germany, Denmark, Sweden, Norway, and Finland in March 2027.

I am a Senior/Principal software engineer working remotely for US-based companies, and my current earnings are around $15,000 USD/month (not looking for new jobs).

As we start narrowing down our plans, I would love to get your insights on a few specific points:

1. Financials & Comfort: With a gross income of ~$15k USD/month, can a family of four live very comfortably in either the capital or small city? How does tax residency work if I keep my US remote contract while living there as an EU citizen?
2. Weather: My wife really dislikes rainy, dreary, and excessively foggy days (I kinda like it!). While we know the winters are dark and cold everywhere, which specific regions or cities tend to get more crisp, sunny winter days rather than constant grey slush and drizzle? (I've heard Stockholm might be drier than Gothenburg/Oslo, but would love your take).
3. Best Cities for Families: Which cities or specific suburban areas would you recommend for a family with young kids?
4. Schooling & Kids' Adaptation: How easy is it for an 8 and 6-year-old to integrate into the local public school system without knowing the language initially? Are international/English-speaking schools a better route, or do the local integration classes work well at this age?

Any tips, reality checks, or cultural notes for a Brazilian-Italian family looking to make this move would be incredibly appreciated!

Thanks in advance!