When the goal is to invest safely with good returns, the choice between CDB and Tesouro Direto is common. Both are accessible options for beginners and offer distinct benefits. Let's clarify which investment best fits your profile, highlighting safety and returns, so you can decide with confidence.
What is CDB and How does it work
The CDB, Bank Deposit Certificate, is a fixed-income security issued by banks or financial companies. When you buy a CDB, you lend money to the institution, which returns the amount plus interest on a future date. The return can be pre-fixed, post-fixed or linked to inflation, depending on the offer. Generally, banks such as Banco Safra, PAN and Daycoval issue these securities.
What is Tesouro Direto and How does it work
Tesouro Direto is a federal government program that allows you to invest in public bonds. You buy a portion of the public debt and receive the investment adjusted according to the chosen bond. There are different types, such as Tesouro Selic, IPCA+ and prefixed. Platforms such as XP, Rico and Modal are common for acquiring these bonds.
Advantages and benefits
CDB: often offers returns higher than savings accounts, suiting the conservative profile. In addition, the Credit Guarantee Fund (FGC) protects investments up to a limit, ensuring safety. The variety of terms and types makes it possible to match your financial goals.
Tesouro Direto: stands out for its high security, since it is guaranteed by the National Treasury. Daily liquidity on some bonds allows quick redemptions, ideal for those seeking flexibility. In addition, the initial investment is low and there is an option for those who want protection against inflation.
Precautions and points of attention
When investing in CDB, it is important to check the solidity of the issuing bank. In addition, income tax follows the regressive table, which decreases over the investment period, influencing the net return. Also watch liquidity; some CDBs require keeping the amount invested until the maturity date.
With Tesouro Direto, the price volatility of the bond can affect its value if you need to sell before maturity. In addition, there is regressive income tax and a custody fee charged by B3, which impact the final return. Knowing these conditions helps avoid surprises at redemption.
How to apply / get started
To invest in CDB, choose a digital or traditional bank that offers this option, such as Banco Inter, Neon or Banco do Brasil. Open your account, transfer the money and select the CDB that best fits your profile. It is simple and you can track it through the app.
For Tesouro Direto, register with an authorized brokerage, such as XP, Clear or Ágora. After validating your account, access the website or app and choose the desired bond according to your goals. The process is usually fast and intuitive, with the possibility of investing from low amounts.
Conclusion
The choice between CDB and Tesouro Direto depends on your profile and goals. CDB may be more profitable over set terms, with FGC guarantee, while Tesouro Direto offers maximum security and liquidity on some bonds. Assess the term, the return and the need for redemption to make the best decision. Either way, investing in both can be a strategy to diversify and balance risks.
