Choosing between Tesouro Direto or CDB is a common question for those seeking safe investments with good returns. Both are conservative options, suitable for those who want to protect their money and still earn more than savings accounts. But which of the two offers more advantages? In this article, we explain the differences, benefits and precautions to help you decide where to invest your money.
What it is / How it works
Tesouro Direto is a federal government program that allows you to buy government bonds over the internet. These bonds are loans the investor makes to the government in exchange for interest payments. They have maturity dates and pre-fixed, post-fixed or hybrid returns.
Meanwhile, the CDB (Bank Deposit Certificate) is a security issued by banks to raise funds. When you invest in a CDB, you lend money to the institution and receive interest in return. The return can be pre-fixed, post-fixed or linked to inflation.
Advantages and benefits
Tesouro Direto has the advantage of high liquidity, as you can sell the bonds at any time on the secondary market, although it is ideal to hold them until maturity. In addition, the bonds are considered extremely safe, as the risk of government default is low.
CDBs usually offer attractive returns, especially when issued by medium and small banks. Many of them are backed by the FGC (Credit Guarantee Fund) up to R$ 250 thousand per CPF and institution, increasing the security of the investment.
Precautions and points of attention
With Tesouro Direto, it is important to consider that returns can vary, especially for post-fixed bonds linked to the Selic rate or inflation. The daily price fluctuation of the bonds can affect the value if you decide to sell before maturity.
With CDBs, it is essential to assess the solvency of the issuing bank and FGC coverage. Larger banks, such as Bradesco and Itaú, offer greater security but may pay lower interest. Digital banks and fintechs also issue CDBs and may pay higher yields, but with a different risk.
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, Rico or Modal. Then transfer the money and choose the bond that best suits your profile and goal.
To invest in a CDB, you need an account with a bank or brokerage. Digital banks such as Inter, Original and Neon offer CDBs with competitive yields. Just access the app, choose the security and invest.
Conclusion
Between Tesouro Direto or CDB, the choice depends on your profile and goal. If you prioritize maximum safety and liquidity, Tesouro Direto is a great option. If you seek higher returns and are comfortable analyzing the issuer, a CDB may offer better returns.
The ideal is to diversify, combining both investments to balance risk and return. Always evaluate the fees, the term and your need for redemption before deciding where to invest your money.
