Want to invest safely and still earn a good return? Treasury Direct (Tesouro Direto) and the CDB (Bank Deposit Certificate) are popular options for those looking for this balance. Understanding where to find the best safe return can help you make the right decision for your wallet.
What it is / How it works
Tesouro Direto is a program for buying and selling federal public bonds, offered by the Brazilian government. By investing in it, you are lending money to the government and, in return, receive interest paid periodically or at maturity.
The CDB, on the other hand, is a security issued by banks to raise money. You lend money to the financial institution and receive an agreed remuneration. The return can be pre-fixed, post-fixed or linked to inflation, depending on the contract.
Advantages and benefits
Investing in Tesouro Direto offers high security, as the bonds are guaranteed by the federal government. In addition, they have daily liquidity, meaning you can withdraw your money almost at any time, depending on the type of bond.
The CDB can also be a safe alternative, especially when issued by solid banks such as Banco do Brasil or Safra. Many CDBs are protected by the Credit Guarantee Fund (FGC), which covers up to R$ 250 thousand per CPF and per institution.
Precautions and points of attention
It is important to pay attention to the fees charged. In Tesouro Direto, there is a custody fee charged by B3, which can impact the net return. In the case of CDBs, some banks charge administration fees or may have restricted liquidity.
In addition, the return varies according to the economic scenario. CDBs with very high returns may involve greater risks, such as smaller banks with lower financial solidity. Tesouro Direto, on the other hand, may show price fluctuations, especially in pre-fixed bonds.
How to apply / get started
To invest in Tesouro Direto, you need to open an account with a brokerage or an authorized bank. Many digital institutions, such as Inter and Modal, offer easy access and no extra fees for transactions.
To invest in CDBs, the path is to open an account with banks, brokerages or fintechs that offer these securities. The XP brokerage, for example, allows you to compare several CDB options, making it easier to choose the best safe return and terms that fit your profile.
Conclusion
Both Tesouro Direto and CDBs can be good choices for those seeking safe returns. The decision depends on your risk tolerance, financial goals and investment horizon.
Always analyze the conditions of each option and prefer solid and trustworthy institutions. With knowledge, you can make your money work safely in the way that best fits your budget and future plans.
