When we think about investments, the doubt between choosing Tesouro Direto or CDB is common. Both offer security and returns, but their characteristics are different. Knowing which option brings better returns and protection for your money is essential for a beginner investor.
What Tesouro Direto and CDB are and how they work
Tesouro Direto is a federal government program that lets you buy public bonds. You lend money to the government and receive interest, considered safe because the government is a good payer.
CDB, Bank Deposit Certificate, is a security issued by banks to raise funds. You lend money to the financial institution and receive interest, which can be prefixed, post-fixed or linked to inflation.
Both work as loans that earn interest, but Tesouro Direto has the government's guarantee, while CDB depends on the health of the issuing bank.
Advantages and benefits
Tesouro Direto offers high liquidity and security, ideal for those seeking low-risk investments. There are several bond options for different goals, such as Tesouro Selic, IPCA+ and Prefixed.
CDBs usually pay attractive interest rates, especially at smaller banks, and can exceed Tesouro's returns in some cases. In addition, they are backed by the Credit Guarantee Fund (FGC), which covers up to R$250 thousand per CPF and per institution in case of bank failure.
Precautions and points of attention
In Tesouro Direto, it is important to observe the type of bond and the maturities, as some have returns linked to inflation and others to fixed rates. You also need to pay attention to costs, such as the platform fee and Income Tax.
With CDB, it is essential to evaluate the issuing bank and the conditions offered. Smaller institutions pay more, but may carry higher risk. The FGC guarantee is a relief, but limits exist. Also, tax incidence and liquidity vary, so check before investing.
How to request / start investing
To invest in Tesouro Direto, open an account with a brokerage or bank that offers the service, such as XP, Guide or Modal. After opening, you can access the Tesouro Direto website and buy bonds with contributions starting from low amounts, around R$30.
As for CDB, you need an account at a bank or brokerage that sells these securities, such as Banco Inter, BTG Pactual or Banco Safra. Then just choose the CDB that best fits your profile and confirm the purchase.
Conclusion
Deciding between Tesouro Direto or CDB depends on your financial goal, risk profile and investment horizon. Tesouro is safer because it is debt with the government, ideal for security and liquidity. CDB may yield more, especially at medium-sized banks, but requires attention to risks and guarantees.
Both are valid paths for those who want to start investing with security and good returns. Assess your needs, read the details and make conscious choices to make your money grow better.
