For those just starting to invest, choosing between Tesouro Direto or CDB may seem complicated. Both options are popular among people seeking safety and good returns. However, it is important to understand the difference between the two and which one yields more for beginners. In this article, we will explain the details of each investment to help you make the best decision.
What it is / How it works
Tesouro Direto is a federal government program that allows the purchase of public bonds over the internet. When you invest, you lend money to the government and receive interest in return. The bonds vary according to term and type of return (prefixed, post-fixed or hybrid).
The CDB (Certificado de Depósito Bancário) is a fixed-income security issued by banks and financial companies. In this case, you lend money to a financial institution and receive interest in exchange. The CDB has terms and rates that may vary depending on the issuing bank.
Advantages and benefits
Both Tesouro Direto and CDB offer safety and more stable returns compared to stock investments. Learn the advantages of each:
- Tesouro Direto: variety of bonds, ease of investing starting from low amounts, daily liquidity in some bonds and government guarantee.
- CDB: may offer higher returns, especially at smaller banks, and is backed by the FGC up to a certain amount (generally up to R$ 250 thousand).
Precautions and points of attention
When investing in Tesouro Direto, pay attention to the type of bond chosen and the income tax levied on the returns. In addition, mark-to-market pricing may influence the value of the bonds before maturity.
For the CDB, analyze the soundness of the issuing bank, the rate offered and the investment term. Also check whether the investment is covered by the FGC for greater security. Some institutions, such as PicPay and C6 Bank, usually offer attractive options for beginners.
How to apply / get started
To invest in Tesouro Direto, you must open an account with a brokerage or bank that offers the service. Platforms such as XP, Rico and Modal are examples of institutions that make access easier. After registering, you can buy the bonds through the institution's website or app.
In the case of the CDB, first open an account with banks or fintechs that offer the investment, such as Inter, Banco BS2 or Neon. Then, choose the CDB that best matches your profile and goal, checking the term and the remuneration rate.
Conclusion
Both Tesouro Direto and CDB can be excellent options for those just starting to invest. The best return for you will depend on the term, the rate offered and your profile. For beginners, it is advisable to diversify, taking advantage of the safety of public bonds and the attractive rates of some CDBs. Always pay attention to the investment conditions and choose trustworthy institutions to ensure peace of mind and financial return.
