For those just starting to invest, the question of whether to put money into Tesouro Direto or CDB is very common. Both are safe and accessible options, ideal for those seeking good returns with low risk. Understanding the differences and characteristics of each alternative is essential to making the best financial decision.
What Tesouro Direto and CDB are and how they work
Tesouro Direto is a federal government program that lets you buy public bonds over the internet. When you invest, you are lending money to the government, which pays interest in return. It is considered a low-risk investment.
A CDB (Certificado de Depósito Bancário) is a certificate issued by banks to raise funds. When you invest, the bank returns the amount with interest after a set period. The risk depends on the issuing financial institution.
Advantages and benefits of Tesouro Direto and CDB
Tesouro Direto offers daily liquidity on some bonds, meaning you can redeem your money at any time. It also has the backing of the federal government, making the investment quite safe.
CDBs, on the other hand, can offer higher returns, especially at digital banks such as Banco Inter, Neon or C6 Bank. Another benefit is that some CDBs have daily liquidity and low minimum investments.
Precautions and points of attention
When choosing between Tesouro Direto and CDB, it is important to consider the investment term and the return. In Tesouro, some bonds have long maturities and daily price fluctuations.
With a CDB, the investor should check the soundness of the issuing bank and whether it is covered by the Credit Guarantee Fund (FGC), which protects up to a certain amount in case of bankruptcy.
How to request / start investing
To invest in Tesouro Direto, open an account with an authorized brokerage, such as XP, Rico or Modal. After registering, just choose the bond that fits your goal and invest your money.
To invest in a CDB, you can go directly to a bank (for example, Banco do Brasil or Bradesco) or to digital brokerages such as Órama and Warren. Choose the certificate, analyze the return and invest the required minimum amount.
Conclusion
Between Tesouro Direto and CDB, the best choice depends on the investor's profile and financial goals. For beginners, Tesouro Direto is a simple, safe option with the possibility of daily liquidity.
A CDB can offer higher returns, but it requires attention to the issuing institution and terms. Consulting a specialist helps you determine where to invest for the best return for you.
