Choosing between Tesouro Direto or CDB can seem complicated for those who want safety and good returns. Both are popular safe investment options. Understanding the characteristics of each one helps you choose the best for your financial profile.
What it is / How it works
Tesouro Direto is a program of federal public bonds sold to individuals over the internet. You lend money to the government and receive interest in return. There are several types, such as Tesouro Selic, Tesouro IPCA+ and Tesouro Prefixado, each with its own rules for returns and maturity.
The CDB (Certificado de Depósito Bancário, or Bank Deposit Certificate) is a security issued by banks and financial companies to raise funds. When you buy a CDB, you lend money to the institution and receive interest as a return. They can have a fixed return, a post-fixed return (such as one tied to the CDI) or a hybrid return. CDBs are backed by the Fundo Garantidor de Créditos (FGC) guarantee up to a limit per CPF and bank, which provides security.
Advantages and benefits
Tesouro Direto has high liquidity, allowing redemption at almost any time. It offers the possibility of protecting your money against inflation, mainly with Tesouro IPCA+. Another advantage is the low minimum amount, which makes investing easier for beginners and small investors.
CDBs, on the other hand, can offer higher returns, especially at medium and smaller banks. Some CDBs pay up to 120% of the CDI or more, which exceeds the return of many public bonds. In addition, several digital banks such as Inter and Neon make investing easier with integrated digital accounts.
Precautions and points of attention
With Tesouro Direto, it is important to observe the B3 custody fee, which can affect the net return. It is also essential to know the bond's term to avoid losses in case of early redemption, since prices can fluctuate.
With CDBs, check whether the issuer is reliable and the maturity date. Although the FGC offers protection, there are limits per institution. CDBs from small banks may carry higher risk if the assets are concentrated. Also, observe the incidence of Income Tax, which varies according to the length of the investment.
How to apply / get started
To invest in Tesouro Direto, open an account with a brokerage or bank that offers this service, such as XP, Modal or Guide. After registering, transfer the desired amount and choose the bond according to your goals.
To invest in CDBs, you also need an account with a bank or brokerage that offers these securities. Digital banks such as C6 Bank or Will Bank make the process easier with simple apps. Compare the rates offered and select the security that fits your financial plan. Never invest amounts above the limit covered by the FGC without diversifying issuers.
Conclusion
Between Tesouro Direto or CDB, the right choice depends on your profile and goals. Tesouro Direto is ideal for those seeking liquidity, safety and protection against inflation. CDBs, on the other hand, can offer higher returns for investors willing to accept longer terms and moderate risks.
With planning and knowledge, you can use both instruments to diversify and enhance your gains, always with a secure base for your money to grow.
