Choosing between Tesouro Direto or CDB to invest can be a common question for those seeking security and good returns. Both are popular options among beginner and experienced investors, but they have different characteristics that influence the decision. Understanding how each one works helps you make a financial investment that is better suited to your profile and goals.
What Tesouro Direto and CDB are and how they work
Tesouro Direto is a federal government program that allows individuals to buy government bonds. When you invest, you lend money to the government and receive interest according to the chosen bond. The return can be prefixed, linked to inflation, or tied to the Selic rate.
The Bank Certificate of Deposit (CDB), on the other hand, is a security issued by banks to raise funds. You lend money to the financial institution and receive interest that can be prefixed or post-fixed, usually linked to the CDI. The return and liquidity vary depending on the bank and the agreed term.
Advantages and benefits of Tesouro Direto and CDB
Tesouro Direto offers high security, as it is guaranteed by the federal government, considered the largest payer in the country. In addition, many bonds offer daily liquidity, which allows redemptions before maturity. The variety of bonds lets you choose between different terms and adjustment indexes.
The CDB, in turn, tends to offer more attractive returns at medium and small banks. It often has the guarantee of the Credit Guarantee Fund (FGC) up to a certain limit, which protects the investor. In addition, some institutions offer CDBs with daily liquidity, making it easier to access the money.
Care and points of attention when investing
Even with the security of Tesouro Direto, it is important to remember that bond prices can fluctuate in the secondary market, affecting the sale value before maturity. The investor should assess the term and purpose of the investment to avoid losses.
In the case of CDBs, it is essential to check the solidity of the issuing bank and whether it is covered by the FGC. CDBs from very small banks may offer higher returns, but also carry greater risks. In addition, taxation follows the regressive Income Tax table, which varies according to the term.
How to apply and start investing in Tesouro Direto or CDBs
To invest in Tesouro Direto, you need to open an account with an authorized brokerage or bank, such as Guide or Ágora. After registering your account, you can access the Tesouro Direto platform and buy the desired bonds with affordable amounts.
For CDBs, the purchase is made directly through the platform of the bank or brokerage offering the product. Institutions such as Inter, BTG Pactual, or PAN offer a variety of options. Simply choose the CDB that best fits your profile and make the investment.
Conclusion
Deciding between Tesouro Direto or CDB depends on your goal, risk profile, and need for liquidity. Tesouro Direto offers more security and flexibility, while CDBs can provide higher returns in certain situations. Carefully evaluate the characteristics of each investment to achieve the best balance between return and security.
