Choosing between Tesouro Direto or CDB is a common question for those seeking to invest safely and with good net returns. Both are accessible options for beginner and experienced investors alike. In this article, we will explain the characteristics of each investment, their advantages, and what to consider to make the right decision.
What it is / How Tesouro Direto and CDB work
Tesouro Direto is a federal government program that lets you buy public bonds over the internet. You lend money to the government and receive interest in return, with different types of bonds to choose from.
The CDB, or Bank Deposit Certificate, is a security issued by banks and fintechs to raise funds. The investor lends money to the institution and receives pre-defined interest.
Advantages and benefits of Tesouro Direto and CDB
Tesouro Direto offers high safety, as it is guaranteed by the federal government. In addition, bonds such as Tesouro Selic have high liquidity, allowing quick redemptions.
CDB can offer higher net returns, especially when contracted with smaller banks or fintechs. They often pay percentages of the CDI that exceed the basic yield.
Precautions and points of attention
With Tesouro Direto, it is important to remember that returns can be affected by income tax and platform fees. In addition, some bonds have price variation in the secondary market.
In the case of CDB, the FGC guarantee covers up to a limit per CPF and per institution. It is essential to check the soundness of the issuing bank to reduce risks. There are also variations in liquidity and minimum redemption periods.
How to apply / start investing in Tesouro Direto and CDB
To invest in Tesouro Direto, you must open an account with an authorized brokerage or bank, such as Rico, XP, or more traditional ones like Banco do Brasil. After registration, you can buy bonds directly through the website or app.
To invest in CDB, simply open an account with a bank or fintech that offers this product, such as Inter, C6 Bank, Safra, or Bradesco. Contracting can be done online, and the money can start earning quickly.
Conclusion
Between Tesouro Direto or CDB, the best net return depends on the investor's profile, the term, and the chosen institution. Tesouro Direto is suitable for those seeking safety and liquidity. CDB can offer higher returns, but requires attention to the bank's financial health.
Before choosing, assess your needs and prefer to diversify to balance safety and returns. Consulting a specialist can help define the best strategy for your money.
