Investing with a focus on safety and a good return is a priority for anyone who wants to protect their money. Among the available options, Tesouro Direto and the CDB are very popular. But which one offers a safer return? Let's explain the details of these investments to help you make the best choice.
What it is / How it works
Tesouro Direto is a program for buying federal government bonds. You lend money to the government and receive interest in return. The bonds may offer fixed returns, linked to inflation or to the Selic rate. The security lies in the fact that the government is the issuer.
The CDB (Certificado de Depósito Bancário, or Bank Deposit Certificate) is a security issued by banks to raise funds. You lend money to the financial institution and receive interest agreed in the contract, which may be pre-fixed, post-fixed or hybrid.
Advantages and benefits
Tesouro Direto has the advantage of high liquidity and the guarantee of the National Treasury. It is possible to start with small amounts and follow the investment over the internet. In addition, its return varies according to the type of bond chosen, offering flexibility for different profiles.
The CDB usually offers a somewhat higher return, especially at smaller banks or fintechs, to attract investors. It also has the guarantee of the Credit Guarantee Fund (FGC) for amounts up to R$250 thousand per institution, providing security against the bank's bankruptcy.
Precautions and points of attention
Although safe, Tesouro Direto is subject to fluctuations in bond prices, especially when sold before maturity. The investor should pay attention to the term and to the real return after taxes and fees.
With the CDB, security depends on the solidity of the issuing bank. It is essential to check the institution and whether the amount invested is within the limit guaranteed by the FGC. In addition, pay attention to the grace period and applicable taxation.
How to apply / get started
To invest in Tesouro Direto, open an account with a brokerage or bank that offers the service, such as Inter, XP or Rico. After registering and transferring the money, choose the bond that fits your goals and make the purchase through the platform.
For the CDB, you need to open an account at banks such as Bradesco, Itaú, or fintechs such as PagBank and PicPay. Select the available CDB offering the best return and conditions. The investment can be made through the institution's app or website.
Conclusion
Both Tesouro Direto and the CDB are safe investments with good return options. Tesouro is ideal for those seeking investments with high liquidity and government guarantee. The CDB may offer a higher return, especially at smaller banks, but requires attention to the FGC guarantee limit.
In short, choose based on your profile, financial goal and investment term. Evaluating fees, terms and institutions is essential to ensure a safer and more satisfying return.
