If you are thinking about investing and are torn between Tesouro Direto or CDB, this article is for you. Both investments are great options for those seeking security and profitability in an accessible way. Understanding the characteristics of each helps you choose the best path for your financial profile.
What Tesouro Direto and CDB are and how they work
Tesouro Direto is a federal government program for selling public bonds to individuals over the internet. When you buy a Treasury bond, you are lending money to the government, which promises to pay that amount with interest on a future date. They are considered very safe investments because they are guaranteed by the federal government.
The CDB (Bank Deposit Certificate) is a security issued by banks to raise funds. You lend money to the bank, which pays interest in return after an agreed period. CDBs are guaranteed by the Credit Guarantee Fund (FGC) up to a certain limit, which provides extra security.
Advantages and benefits
Tesouro Direto offers daily liquidity on some bonds, meaning you can sell your bond before maturity if you need to. It also offers investments with pre-fixed, post-fixed (tied to the Selic rate) and inflation-indexed returns, suiting different goals.
CDBs, on the other hand, usually offer higher returns than savings accounts, especially at medium-sized banks or fintechs such as Inter and Neon. Many CDBs also have daily liquidity, but there are options with longer terms and attractive rates. The FGC guarantee is an advantage for those seeking security in bank investments.
Precautions and points of attention
It is important to pay attention to price volatility in Tesouro Direto, which can vary with the market and changes in interest rates, affecting the value if sold before maturity. There is also a custody fee charged by B3, which is generally small, and taxes on the income.
With CDBs, paying attention to the conditions of the issuing bank is essential. Larger banks such as Bradesco and Santander may offer lower returns but greater perceived security. Fintechs usually offer higher rates, but they are authorized banks and also have FGC protection. Evaluate the term, liquidity and taxation before deciding.
How to apply for or start investing
To invest in Tesouro Direto, open an account with an authorized brokerage such as XP, Rico or Modal and transfer the desired amount. The process can be done entirely online and you will have access to the official system for buying and selling the bonds.
To invest in CDBs, simply open an account with a digital bank such as Banco Inter, C6 Bank or reliable financial companies. Then choose the CDB that best fits your profile and make the investment through the digital platform.
Conclusion
Deciding between Tesouro Direto or CDB depends on your profile and goal. Tesouro Direto stands out for the government's security and variety of options. CDBs can offer higher returns and ease of use at digital banks. Evaluate terms, liquidity and returns to invest safely and profitably.
