When we think about investing, two popular options are the Tesouro Direto and the CDB. Both are great alternatives for those seeking returns with security. But which one fits your profile best? Let's understand the Tesouro Direto and the CDB, so you can decide where to invest with more confidence.
What it is / How it works
The Tesouro Direto is a federal government program that makes it easier to invest in public bonds. You lend money to the government and, in return, receive interest above inflation or pre-fixed, depending on the bond chosen. It is possible to invest with low amounts and redeem before maturity, although this may affect the returns.
The CDB, Bank Deposit Certificate, is a security issued by banks to raise funds. When you invest, you lend money to the financial institution and receive interest shaped by the market. There are CDBs with daily liquidity and others with a fixed term. The return can be pre-fixed, post-fixed or hybrid.
Advantages and benefits
The Tesouro Direto offers several advantages. It is considered one of the safest investments, as it is backed by the government. It also has high liquidity in many bonds, allowing quick redemptions. The initial investment is affordable, ideal for those just starting out. It also provides protection against inflation, through bonds linked to the IPCA.
The CDB brings benefits such as returns generally higher than savings accounts. Some digital banks, such as Inter and Banco Neon, offer CDBs with attractive returns and daily liquidity. Another advantage is the guarantee of the Credit Guarantee Fund (FGC) up to a certain amount, which protects your money if the bank faces problems.
Precautions and points of attention
Although both are safe, it is important to consider some points. In the Tesouro Direto, returns can be affected by early sale, with the value fluctuating according to market interest rates. In addition, there is regressive income tax and a custody fee charged by B3.
CDBs, on the other hand, vary greatly between institutions. It is essential to check the solidity of the issuing bank and the FGC coverage, which protects up to R$ 250 thousand per CPF and per institution. Some CDBs have long terms without liquidity, which can make redemption before maturity difficult. Also pay attention to income tax on the earnings.
How to apply / get started
To invest in the Tesouro Direto, you need to open an account with brokerages or banks that offer the service, such as XP, Rico, Modal or Guide. Then, just access the platform, choose the ideal bond and make the purchase. The process is simple, and many institutions provide simulators to help with the choice.
For the CDB, the path is similar. Many digital and traditional banks offer attractive options. You can open an account at banks such as Bradesco, Banco do Brasil, Inter or Neon. After registration, choose the CDB that best matches your goal and make the investment directly through the digital platform.
Conclusion
Between the Tesouro Direto and the CDB, the choice depends on your profile and goal. The Tesouro Direto is suited for those seeking high security and protection against inflation. The CDB usually offers higher returns, especially at digital banks, but with care regarding terms and the issuing institution. Evaluate the characteristics of each investment and start investing in a conscious and diversified way.
