Choosing between Tesouro Direto and CDB can seem complicated for those seeking good returns and security in their investments. Both are popular and offer interesting advantages, especially for those who want to start investing safely. In this article, I will explain the main differences, benefits, and precautions so you can decide where to invest your money best.
What it is / How it works
Tesouro Direto is a federal government program that sells public bonds to individuals over the internet. When you buy a Treasury bond, you are lending money to the government in exchange for interest. These bonds come in several types, such as prefixed, post-fixed, and inflation-indexed.
The CDB (Bank Deposit Certificate) is a security issued by banks to raise funds. When you buy a CDB, you lend money to the financial institution and receive interest in return. CDBs can have prefixed, post-fixed (usually tied to the CDI), or hybrid returns.
Advantages and benefits
Tesouro Direto offers low risk because it is guaranteed by the federal government. In addition, it has daily liquidity on several bonds, meaning you can sell your bond at any time. Investments are usually affordable, with low initial amounts.
CDBs may offer more attractive return rates, especially when issued by smaller banks or digital banks such as Inter and Banco PAN. Another advantage is that CDBs up to a certain limit are protected by the FGC (Credit Guarantee Fund), increasing the security of the investment.
Precautions and points of attention
Investing in Tesouro Direto requires attention to bond price fluctuations, especially in longer maturities and in prefixed or inflation-linked types. It is necessary to understand how it works to avoid selling during downturns and taking losses.
In the case of CDBs, it is important to check the issuing institution and whether the amount invested is within the FGC coverage limit, which is generally up to 250 thousand reais per CPF and per institution. Also pay attention to the maturity date to avoid penalties or loss of returns.
How to apply / get started
To invest in Tesouro Direto, you need to open an account with an authorized brokerage such as XP, Rico, or Modal. After registering, simply choose the bond that best fits your profile and goal, and buy it through the website or app.
In the case of CDBs, the account can be opened directly with the issuing bank, such as Itaú, Bradesco, or fintechs like Neon and PicPay. Then you can buy the CDB through internet banking or the app, choosing the term and type of return that is most suitable.
Conclusion
Deciding between Tesouro Direto or CDB depends on your goals, time horizon, and risk tolerance. Tesouro Direto is ideal for those seeking maximum security and liquidity, while CDBs may offer higher returns, with security guaranteed by the FGC in most cases.
In general, diversifying between the two can bring a balance between return and security. Assess your financial profile and goals to make the best choice and start investing with peace of mind.
