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Based on my experience trading with different brokers, XP Investimentos offers a wide selection of financial products, which I found especially useful for diversifying my portfolio. They support access to stocks, futures, fixed income products, investment funds, real estate funds, and even digital account services for daily transactions. Having platforms like Metatrader 5 available is a plus, making it easier for me to apply familiar technical tools and strategies. I appreciated the modern trading infrastructure and integration with popular local payment systems, which made account management convenient. However, the most significant concern for me—and it should be for any trader—is XP Investimentos’ lack of valid regulatory oversight. Despite being established for over five years, they operate unregulated, which increases the potential risk to my funds and personal data. Without the security of a formal financial license, I feel that my capital is more vulnerable compared to regulated brokers. The relatively high international procurement fees (ranging from 0.5% to 1%) can also eat into returns over time, and the backend infrastructure carries a high-ping latency, which might not suit active traders who demand optimal execution speeds. For anyone considering XP Investimentos, I would urge a cautious approach and recommend weighing these risks carefully, especially given the YMYL (your money or your life) nature of financial decisions. I would not take these risks lightly in my own trading.