Choosing between Tesouro Direto or Nubank CDB is a common question for those who want to invest safely and with good returns. Both are accessible options for anyone seeking to grow their money with low risk. In this article, we will explain how each type of investment works, its advantages, precautions, and how to start investing. This way, you can decide which alternative yields more for your profile.
What are Tesouro Direto and Nubank CDB? How do they work?
Tesouro Direto is a program of the National Treasury that allows you to buy government bonds over the internet. These are securities issued by the government to finance its activities. You lend money and receive interest. The bonds can be prefixed, post-fixed, or linked to inflation. The return varies according to the type of bond and the term.
CDB from Nubank, on the other hand, is a Bank Deposit Certificate issued by the digital bank. It is a kind of loan you make to the bank, which pays interest in return. Normally, the CDB offers a prefixed, post-fixed, or CDI-linked return. Nubank offers CDBs with varied terms and an affordable minimum investment.
Advantages and benefits
Tesouro Direto oferece alta segurança, pois é garantido pelo governo federal. Tem liquidez diária em alguns títulos, o que ajuda quem quer resgatar antes do vencimento. Além disso, permite investir com pouco dinheiro, a partir de cerca de R$ 30. É ideal para diversificação e proteção contra inflação, conforme o título escolhido.
The Nubank CDB is also safe up to the FGC (Credit Guarantee Fund) limit, generally R$ 250 thousand per institution. The digital bank simplifies investing through the cell phone, showing the estimated return and term. Many CDBs have returns higher than savings accounts, and may even exceed some Treasury bonds, depending on the economic scenario.
Precautions and points of attention
In Tesouro Direto, the return can vary greatly if the bond is sold before maturity, due to market fluctuations. Some bonds have long terms, which requires planning. Pay attention to income tax, which is withheld at source and has regressive rates depending on the investment period.
In the Nubank CDB, the investor should check the grace period for redemption, as there may be deductions if withdrawn before maturity. The return is influenced by the CDI rate and the economic scenario. Despite the FGC guarantee, it is important to diversify to avoid exposure to a single bank.
How to request / start investing?
To invest in Tesouro Direto, you need to open an account with a brokerage or bank that offers the service, such as Itaú, XP, or Rico. After registration, just choose the bond that best fits your goal and invest. The process is 100% digital and monitoring is done through the Treasury website or the brokerage app.
On Nubank, the CDB can be purchased directly through the bank's app. Just go to the investments section, choose the available CDB, analyze the conditions, and confirm the amount. The minimum investment is usually low, making it easy to start. The app also helps you track the return and the final term.
Conclusion
Between Tesouro Direto or Nubank CDB, the best alternative depends on your profile, goals, and investment horizon. Tesouro Direto is suitable for those seeking maximum security and who want bonds linked to inflation or with daily liquidity. The Nubank CDB can offer competitive returns and ease for beginner investors.
It is recommended to analyze each option considering term, type of return, taxation, and liquidity needs. With planning and information, it is possible to find the investment that yields the most for your needs and ensure financial health.
