When we think about investing our money, two very common and safe options come to mind: Tesouro Direto and CDB. Many people wonder which of these alternatives offers the better return and security. This article will help you understand the particularities of each one and decide which investment is most suitable for your profile.
What it is / How it works
Tesouro Direto is a federal government program that allows the purchase of public bonds over the internet, directly by the investor. These bonds represent government debt, and the investor receives interest in exchange for lending money to the National Treasury.
The CDB (Bank Deposit Certificate) is a security issued by banks to raise money from investors. In return, the bank commits to pay back the amount invested plus interest within a set period.
Tesouro Direto usually offers daily liquidity for some bonds and fixed maturity for others, while a CDB may offer daily liquidity or only be redeemed at maturity, depending on the contract.
Advantages and benefits
Tesouro Direto is especially known for its safety, as the risk of default by the government is considered very low. In addition, there are options that protect the investor from inflation, such as Tesouro IPCA, and prefixed bonds that offer a fixed rate.
The CDB, in turn, usually offers a higher return than savings accounts and, depending on the bank, may pay a prefixed rate, a post-fixed rate, or a rate tied to inflation. Another advantage is the Credit Guarantee Fund (FGC), which protects investments of up to 250 thousand reais per CPF per financial institution.
Precautions and points of attention
Despite the safety of Tesouro Direto, it is important to pay attention to the bond's term and to price fluctuations of the bonds before maturity, which can cause temporary losses.
With a CDB, the investor should assess the financial health of the issuing bank, the profitability offered, and the investment term. It is essential to check whether the amount invested is within the FGC limit to avoid greater risks.
How to apply / get started
To invest in Tesouro Direto, you need an account with a brokerage or bank that offers this service. Simply register, access the platform, and choose the available bonds, and you can invest starting from small amounts.
For a CDB, the investment can be made directly at traditional banks such as Bradesco, Caixa Econômica, or at fintechs such as Inter and Will Bank, which offer purchases via app, making access easier.
Conclusion
Choosing between Tesouro Direto or CDB depends on your profile, goal, and investment horizon. Tesouro Direto is suited to those seeking extreme safety and protection against inflation, while a CDB may be ideal for those who want to diversify and often earn higher returns with good security backed by the FGC.
Before deciding, analyze the available options, terms, returns, and risks. This way, you can choose the investment that best fits your financial needs.
