Investing is an efficient way to make your money grow, especially for beginners who want security and good returns. Two popular options are Tesouro Direto and CDB, each with its own characteristics that influence profitability. In this article, we will explain how these investments work, their advantages, precautions, and how to start investing in each of them.
What it is / How it works
Tesouro Direto is a government program that allows you to invest in public bonds. Basically, by buying these bonds, you are lending money to the Union, and in return you receive interest over time or at maturity.
The CDB (Bank Deposit Certificate) is a security issued by banks to raise funds. When you invest in it, you lend money to the financial institution, which pays you interest after a period. The yield can be prefixed, postfixed or hybrid, depending on the security chosen.
Advantages and benefits
Tesouro Direto's main highlight is security, as it is guaranteed by the federal government, considered the most reliable issuer. Daily liquidity allows you to redeem your money at any time, although it is ideal to hold until maturity to avoid losses.
CDBs usually offer more attractive interest rates, especially when issued by smaller banks or fintechs such as Inter and Neon. In addition, they are protected by the Credit Guarantee Fund (FGC) for investments of up to 250 thousand reais per institution, increasing security.
Precautions and points of attention
With Tesouro Direto, it is important to consider taxes, such as the Income Tax levied on returns according to the investment term. The daily price fluctuation of the bonds can impact those who need to redeem before maturity.
In the case of CDBs, profitability can be affected by tax charges and the grace period, which limits early redemption. It is essential to check the specific conditions of the security and compare rates before investing.
How to apply / get started
To invest in Tesouro Direto, you need to open an account with a brokerage or bank that offers the service, such as XP, Rico or Modal. Then, simply register on the official website and choose the bond that fits your profile.
In the case of CDBs, you can invest directly through traditional banks such as Bradesco or Santander, or through fintechs such as C6 Bank and PicPay. Usually, the investment can be made through the app or internet banking of the chosen institution, with accessible minimum amounts for beginners.
Conclusion
Choosing between Tesouro Direto and CDB depends on your profile and goals. Tesouro Direto is ideal for those seeking maximum security and liquidity flexibility, while CDB can offer better returns, especially if contracted with smaller institutions with good rates. For beginners, the important thing is to understand the details of each investment and start with amounts that fit your budget.
With patience and knowledge, investing becomes a safe path to building your wealth over time.
