Choosing between Tesouro Direto or CDB is a common question for those who want to invest safely and profitably. Understanding how each one works and what their advantages are helps you make a decision aligned with your financial profile. In this article, we will explain the differences, benefits and points of attention so you know which investment is ideal for you.
What it is / How it works
Tesouro Direto is a program of the National Treasury that allows you to buy government bonds over the internet. They are investments in government debt, considered low risk. You can choose prefixed bonds, bonds linked to inflation or to the Selic rate.
The CDB (Bank Deposit Certificate) is a security issued by banks to raise funds. The investor lends money to the bank for a set period, and the bank pays it back with interest. There are CDBs with prefixed, post-fixed or inflation-linked returns.
Advantages and benefits
One of the benefits of Tesouro Direto is security, since it is guaranteed by the federal government. In addition, there are a variety of bonds that offer protection against inflation and options for conservative or moderate profiles. Liquidity is usually good, allowing daily redemptions, although the ideal is to hold until maturity to obtain the maximum return.
CDBs generally offer higher returns than savings accounts, and may be interesting for those who want to earn more without exposing themselves to major risks. Some digital banks such as Inter and Neon offer CDBs with daily liquidity, making access and redemption easier. They also have FGC (Credit Guarantee Fund) coverage up to certain amounts, which gives the investor more security.
Precautions and points of attention
With Tesouro Direto, holding the investment until maturity is important to avoid negative price fluctuations of the bonds. Those who need to redeem early may suffer losses, especially in times of volatility. In addition, income tax is charged according to the investment period.
Regarding CDBs, it is essential to check the maturity term and liquidity. CDBs with long terms may have lower liquidity and penalties for early redemption. It is also important to look at the issuer of the security, since smaller banks may offer better rates, but with higher risks, even though they are covered by the FGC up to a limit.
How to apply / get started
To invest in Tesouro Direto, you can use the platforms of traditional banks, brokerages or fintechs such as BTG Pactual, XP, Modal or Genial. You need to open an investment account, transfer the amount you want to invest and choose the bond that best fits your profile.
Buying a CDB is a similar process. Digital banks such as PicPay, Will Bank and PagBank offer CDBs directly through the app, with a variety of terms and rates. By opening an account, you can browse the available options and invest your money in a practical and quick way.
Conclusion
Deciding between Tesouro Direto or CDB depends on your financial profile, goals and investment horizon. If you seek maximum security with a variety of bonds, Tesouro Direto may be ideal. If you prefer potentially higher returns and diversified liquidity, CDB is a good option. Assess your available time for investing, risk tolerance and financial goals to make the best choice. This way, your money grows safely and in a planned manner.
