Choosing between Tesouro Direto or CDB is a common question for those seeking better returns with safety. Both are conservative investment options, but they have different characteristics that affect yield and security. Understanding how each one works helps you decide where to invest your money more efficiently.
What it is / How it works
Tesouro Direto is a federal government program that allows individuals to buy public bonds. You lend money to the state, which pays interest according to the type of bond purchased. This investment is considered safe, as the government's default risk is low. Bonds can be prefixed, post-fixed or linked to inflation.
The CDB (Bank Deposit Certificate) is a security issued by banks to raise funds. You deposit your money and the bank pays interest at the end of the agreed term. The return can be prefixed, post-fixed or variable. Safety depends on the issuing institution and on coverage by the Credit Guarantee Fund (FGC) for amounts up to R$ 250 thousand.
Tesouro Direto or CDB: advantages and benefits
In Tesouro Direto, the main advantage is daily liquidity on some bonds, allowing quick redemption. In addition, trading costs are low, and there are several maturity and return options for different profiles.
CDBs, in turn, can offer higher returns than Tesouro in some cases, especially if issued by smaller banks. They usually have varied terms and may be exempt from fees, depending on the bank, which is interesting for those seeking diversification.
Precautions and points of attention
For Tesouro Direto, it is important to consider the impact of taxation on earnings, which follows the regressive income tax table. Also pay attention to bond prices, which can fluctuate daily.
For CDBs, check the issuing institution and whether the amount invested is within the limit protected by the FGC. Evaluate the term and the return offered, always comparing so you don't accept less advantageous conditions.
How to apply / get started
To invest in Tesouro Direto, you must have an account with a brokerage or bank that offers the service. Many institutions, such as Rico, XP and Guide, allow investing with low minimum amounts and simple digital processes.
To buy CDBs, you can also use digital banks and brokerages, such as Inter, Banco Safra or Modal, which offer varied products and easy access through the app. Compare the return and liquidity options before deciding.
Conclusion
Tesouro Direto and CDB are safe options for those seeking to invest with stable returns. The choice depends on your profile and financial goals. Tesouro offers greater security backed by the government and liquidity, while CDB can bring higher returns, as long as they are within the FGC limit.
Plan your investment, evaluate costs and risks, and diversify by investing in both, if possible. This way, you increase your chances of achieving a safe and advantageous return on your money.
