If you're torn between investing in Tesouro Direto or in CDB, this article will help you understand which investment may offer better returns for your money. We will analyze how each option works, as well as its advantages and necessary precautions. That way, you'll have more confidence to make your financial decision.
What it is / How it works
Tesouro Direto is a federal government program that lets you buy public bonds over the internet. When you buy a bond, you are lending money to the government in exchange for interest. These bonds may have fixed returns, be tied to inflation, or pay prefixed rates.
The CDB (Bank Deposit Certificate) is a private security issued by banks and financial companies to raise funds. In return, they pay the investor a return, which can be prefixed, post-fixed, or tied to indexes such as the CDI.
Advantages and benefits
Tesouro Direto offers high security, as it is guaranteed by the National Treasury. In addition, you can invest small amounts and choose bonds that protect against inflation. Daily liquidity generally allows you to redeem your money quickly.
CDBs generally offer higher returns at smaller banks, since they need to attract investors. Many institutions such as Banco Inter and Daycoval offer competitive rates. Another advantage is coverage by the FGC (Credit Guarantee Fund) for amounts up to R$ 250 thousand per CPF and per institution.
Precautions and points of attention
With Tesouro Direto, it is important to consider the taxes on earnings and possible price variations of the bonds, which can affect the value when selling before maturity. The platform also charges a small custody fee.
With CDBs, the main precaution is to assess the risk of the issuing institution and the investment term to avoid early redemptions with losses. It is important to check whether the bank is covered by the FGC. In addition, returns can vary a lot depending on the bank.
How to apply / get started
To invest in Tesouro Direto, open an account with a brokerage such as XP, Rico, or Modal. Then you choose the desired bond and complete the purchase entirely online.
To invest in CDBs, open an account with digital banks such as C6 Bank, Neon, or PicPay, or financial companies such as Crefisa and PAN. You can buy the CDB directly through the bank's app or through a brokerage, depending on the institution.
Conclusion
Both investments have their advantages and can be interesting depending on your profile and goals. Tesouro Direto offers security and flexibility, ideal for those seeking protection against inflation. The CDB can offer better returns in some cases, especially at smaller banks, but requires attention to risks.
Analyze your profile, time horizons, and financial goals before choosing. That way, your money will be better protected and can grow more in line with your needs.
