Choosing between Tesouro Direto or CDB is a common question for those seeking investments with safe returns. Both are interesting options that offer security and returns, but they have different characteristics. Understanding how each one works helps you make a more conscious decision for your profile and financial goal.
What it is / How it works
Tesouro Direto is a federal government program that allows investment in public bonds. Basically, you lend money to the government and receive it back with interest over time. There are different types of bonds, such as prefixed ones and those linked to inflation, which give flexibility to the investor.
CDB, Bank Deposit Certificate, is a security issued by banks to raise funds. When you buy a CDB, you are lending money to the bank, which promises to return the amount plus interest. The yield can be prefixed, post-fixed or linked to indexes such as the CDI.
Advantages and benefits
Tesouro Direto usually offers several advantages, such as security for being guaranteed by the government and daily liquidity for some bonds. In addition, it has accessible investment amounts, starting from just a few reais, which makes access easier for small investors.
CDB, depending on the institution, can offer higher returns than Tesouro Direto, especially at medium-sized banks and fintechs such as Inter and Will Bank. Another advantage is coverage by the Credit Guarantee Fund (FGC) up to a certain amount, which protects the investor if the bank faces problems.
Precautions and points of attention
Despite the security, it is important to pay attention to the liquidity of Tesouro Direto. Some bonds may have long maturities, and early redemption can result in lower amounts if the market is unfavorable. The investment is also subject to income tax according to the regressive table.
In the case of CDB, in addition to checking the return, the investor should analyze the issuing institution and the amount invested to ensure FGC protection. It is also necessary to observe the maturity term, since redemptions before the deadline may not be allowed or may be penalized.
How to apply / get started
To invest in Tesouro Direto, you need an account with a brokerage such as XP, Rico or Modal. Then the process is simple: register, transfer the money and choose the bond that best suits your goal.
In the case of CDB, traditional banks such as Bradesco and Banco do Brasil or digital banks such as Neon and PicPay offer options. You can open a digital account, check the available rates and invest directly through the bank's app or the partner brokerage.
Conclusion
Both Tesouro Direto and CDB are safe investments that can guarantee an interesting return. The choice depends on your profile, need for liquidity and return expectations. Tesouro Direto is ideal for those seeking total security and flexibility in terms, while CDB can offer higher returns, especially at smaller banks with terms that align with your financial planning.
Analyzing the options available on the market and comparing rates, terms and guarantees is essential to make the best choice and achieve your investment goals with peace of mind.
