If you are looking for options to invest safely, you have probably already heard of Tesouro Direto and CDB. These are two investments that offer returns and protection for your money. But does Tesouro Direto or CDB offer better secure yield? Let's explain the characteristics of each one to help you decide.
What it is / How it works
Tesouro Direto is a Federal Government program that allows you to buy public bonds over the internet. These bonds are a way of lending money to the government and, in return, receiving interest. There are bonds linked to inflation, to the basic interest rate (Selic), or fixed-rate bonds.
On the other hand, the CDB (Bank Deposit Certificate) is an investment offered by banks and financial companies. It works like a loan you make to the financial institution, which pays you interest for it. The return can be fixed, post-fixed (usually linked to the CDI), or mixed.
Advantages and benefits
Both investments are considered low risk, but they have distinct advantages. Tesouro Direto has the security of the government, considered the highest in the country. In addition, it allows investments starting from low amounts and has daily liquidity, meaning you can sell your bonds at any time.
CDBs can offer higher returns, especially when issued by smaller banks or fintechs such as Banco Inter, Neon or PagBank. Many CDBs are backed by the FGC (Credit Guarantee Fund) up to R$ 250 thousand, which increases the security of the investment.
Precautions and points of attention
With Tesouro Direto, it is important to pay attention to mark-to-market. If you need to sell the bond before maturity, its price may vary, and you may have gains or losses. In addition, a regressive income tax applies to the earnings.
With CDBs, the main concern is checking whether the bank is trustworthy and whether the amount invested is within the FGC limit. Also pay attention to the maturity term, which can affect liquidity. Some institutions, such as Will Bank or C6 Bank, offer CDBs with daily liquidity, which can make redemption easier.
How to apply / get started
To invest in Tesouro Direto, you need to open an account with an authorized brokerage or bank, such as XP, Rico, Modal or BTG Pactual. Then just transfer the money and buy the desired bond through the online platform.
To invest in CDBs, open an account with banks or fintechs such as Banco do Brasil, Safra, Mercado Pago or Neon. Choose the CDB that best fits your profile, check the term and the return, and make the investment through the app or website.
Conclusion
Both Tesouro Direto and CDBs are safe and attractive investments for those seeking protection and better returns than savings accounts. Tesouro Direto offers the solidity of the government and a variety of bonds, while CDBs can present higher returns, especially at smaller banks and fintechs with FGC guarantee.
To choose the best investment, consider the term, liquidity, your profile and the minimum amounts. Evaluating these characteristics will help you invest safely and achieve your financial goals.
