If you're in doubt between investing in Tesouro Direto or a CDB, you're not alone. Both are popular options for those seeking security and good returns. Understanding the differences between them helps you make a more informed decision that suits your financial profile. In this article, we will compare Tesouro Direto and CDB, evaluating their benefits and precautions.
What it is / How it works
Tesouro Direto is a federal government program that allows you to buy public bonds over the internet. It works like a loan to the government, which pays interest to the investor. There are several types of bonds, such as those indexed to the Selic rate, to inflation, or with a fixed rate.
A CDB (Bank Deposit Certificate), on the other hand, is a security issued by banks to raise money. By investing in a CDB, you lend money to the bank, which repays it with interest over an agreed period. CDBs can have prefixed, post-fixed, or inflation-linked returns.
Advantages and benefits
Tesouro Direto offers high security, since the bonds are guaranteed by the federal government. This makes the risk of default extremely low. In addition, it allows investment from low amounts and has good liquidity.
CDBs are also a safe option, especially when issued by traditional banks such as Banco do Brasil or Bradesco, and are backed by the Credit Guarantee Fund (FGC) up to a limit of R$ 250 thousand per individual taxpayer ID (CPF) and per institution. Digital banks such as Inter and C6 Bank offer CDBs with attractive returns, which can outperform Tesouro Direto in some situations.
Precautions and points of attention
When investing in Tesouro Direto, it is important to analyze the type of bond and the desired term. Prefixed bonds can result in losses if sold before maturity during periods of rising interest rates.
With a CDB, pay attention to the soundness of the issuing bank: smaller institutions may offer higher rates but carry greater risk. It is also essential to watch the term and liquidity conditions, as some CDBs have a grace period before redemption.
How to apply / get started
To get started with Tesouro Direto, simply open an account with a brokerage such as XP or Rico. Once your account is active, you can access the Tesouro Direto website or app, choose the bond, and make the purchase online in a simple way.
For a CDB, research traditional and digital banks to find the best conditions. Then, open an account with the chosen institution, go to internet banking or the app, and select the CDB to invest in. Platforms such as Modal or Guide also make this process easier.
Conclusion
The choice between Tesouro Direto and CDB depends on your profile and goals. Tesouro offers high security and good liquidity, ideal for conservative profiles. CDBs can offer higher returns at digital banks, but require attention to security and the investment term.
To diversify and balance risks, many investors choose to invest in both products, taking advantage of the benefits of each. Assess your profile, compare offers, and make informed choices to ensure a solid and profitable investment.
