If you are starting to invest, you have probably asked yourself: Tesouro Direto or CDB, which investment yields more for beginners? This question is common and important for anyone seeking safety and profitability.
What it is / How it works
Tesouro Direto é um programa do governo federal que permite comprar títulos públicos pela internet. Basicamente, você empresta dinheiro ao governo e recebe juros por isso. É um investimento de baixo risco, indicado para quem quer segurança.
The CDB (Bank Deposit Certificate) is a security issued by banks and financial companies. You lend money to the institution and, in return, receive interest. The return can be pre-fixed, post-fixed or tied to inflation.
Advantages and benefits
Tesouro Direto has the advantage of high liquidity, allowing redemption at any time, and the government's security as guarantor. In addition, there are options that track inflation, helping to protect purchasing power.
CDBs can offer higher returns than Tesouro Direto, especially when issued by mid-sized or digital banks such as Inter or Banco PAN. Another advantage is the Credit Guarantee Fund (FGC), which protects up to R$ 250 thousand per CPF per institution.
Precautions and points of attention
With Tesouro Direto, you need to watch the bond's maturity and the type of return to avoid losses when selling early, due to fluctuations in the Selic rate and interest rates. Taxes also apply, such as the regressive Income Tax.
With a CDB, pay special attention to the issuing financial institution. Smaller banks may offer higher rates, but also carry higher risk. Check the bank's solidity and the grace period, since some CDBs do not allow redemption before maturity.
How to apply / get started
To invest in Tesouro Direto, open an account with an authorized brokerage, such as XP, Rico or Guide. After registering, simply transfer money and choose the bond that best fits your profile.
For a CDB, the process is similar. You can invest through digital banks such as C6 Bank, Neon, or financial companies such as BMG. Many of these institutions offer intuitive platforms for buying and selling these securities.
Conclusion
Choosing between Tesouro Direto or CDB depends on your profile, goals and investment timeframe. For beginners, Tesouro Direto is usually the more suitable option due to its safety and liquidity. CDBs can yield more, especially at digital banks, but require attention to risk and maturity terms.
The ideal approach is to diversify and understand each option well before investing your money. Start with amounts that fit your budget and learn from experience to grow in the world of investing.
