In the search for investments that offer returns and security, many people wonder whether it is better to choose Tesouro Direto or a CDB. Understanding the differences between these two types of investment is essential for making smarter choices aligned with your financial profile.
What Tesouro Direto and CDB are and how they work
Tesouro Direto is a federal government program that allows individuals to buy government bonds over the internet. It is considered a low-risk investment because it is guaranteed by the government.
A CDB (Bank Deposit Certificate) is a security issued by banks to raise funds. When you invest in a CDB, you lend money to the financial institution and receive interest on the investment.
The return on Tesouro Direto varies according to the type of bond chosen, and may be prefixed, post-fixed or linked to inflation. A CDB can also offer prefixed, post-fixed or hybrid returns, depending on the issuing bank and the product.
Advantages and benefits
Tesouro Direto has high liquidity and allows investments with low amounts. In addition, it has the security of the government and clear redemption rules.
The CDB, in turn, generally offers higher returns at smaller banks to attract investors. It also has the guarantee of the Credit Guarantee Fund (FGC) for amounts up to 250 thousand reais per institution.
In addition, the CDB is an accessible investment and can be a good option for those seeking varied terms and different forms of remuneration.
Precautions and points of attention
Despite the security of Tesouro Direto, it is important to remember that bond prices can vary, affecting the yield if the investment is redeemed before maturity.
In the case of a CDB, trust in the issuing institution is essential. Investing in smaller banks may offer higher returns, but it also increases the risk, even with FGC coverage.
In addition, always assess the impact of income tax on returns, since both Tesouro Direto and CDBs are taxed according to the investment period.
How to apply for or start investing
To start investing in Tesouro Direto, you need to open an account with a brokerage or bank that is enabled, such as XP, Rico, Modal or Guide. After registering, choose the bond according to your goal and the amount available to invest.
To invest in a CDB, open an account with a financial institution, which can be banks such as Banco do Brasil, Inter, or even fintechs such as Will Bank. Then, select the CDB that best suits your profile and make the investment.
In both cases, research the fees charged and monitor the investment's performance through the app or platform of the bank or brokerage.
Conclusion
Choosing between Tesouro Direto or a CDB depends on your goal, time horizon and risk tolerance. Tesouro is ideal for those seeking more security with liquidity and transparency. The CDB can be a good alternative for those who want higher returns, while carefully evaluating the issuing institution and conditions.
Understanding how each investment works is the first step to achieving your financial goals with security and efficiency.
