When we think about investing safely with good returns, the question arises: Tesouro Direto or CDB? Both are popular options, especially for those seeking to invest without major risks. In this article, we will explain what these investments are, their advantages, risks, and how to choose the best one for your profile.
What it is / How it works
The Tesouro Direto is a National Treasury program that allows you to buy government bonds over the internet. You lend money to the government and receive interest in return. There are several types of bonds, such as prefixed, post-fixed, and inflation-linked.
The CDB (Bank Deposit Certificate), on the other hand, is a security issued by banks and financial companies to raise funds. You lend money to the institution and receive the agreed interest. The yield can be prefixed, post-fixed, or hybrid.
Tesouro Direto or CDB: which to invest in?
Both investments are considered safe, but they have important differences. The return varies according to the type of bond and the issuing bank. The Tesouro Direto generally offers daily liquidity and is guaranteed by the government, which provides security.
The CDB is covered by the FGC (Credit Guarantee Fund) up to R$ 250 thousand per CPF and financial institution. This means that, in the event of a bank failure, the investor gets their money back within that limit.
Advantages and benefits
- Tesouro Direto: high security as it is a government bond, daily liquidity in many cases, and a variety of options for different goals.
- CDB: may offer more attractive rates at smaller banks, ease for beginners through digital banks such as Inter or Neon, and FGC coverage.
Precautions and points of attention
For the Tesouro Direto, it is important to pay attention to the custody fee charged by B3 and to the volatility of prefixed and inflation-linked bonds, which can fluctuate.
In the case of the CDB, check the reliability of the issuing institution. Smaller banks may offer higher returns, but the risk increases, even with FGC coverage. Also, observe the redemption period, as some CDBs have a grace period.
How to apply / get started
To invest in the Tesouro Direto, simply open an account with a brokerage or bank that offers this option. Platforms such as XP, Rico, or Modal make investing easy with low amounts and online monitoring.
Investing in a CDB is simple and can be done at traditional banks such as Bradesco or Itaú, or at digital banks such as Will Bank and PagBank. Open your account, choose the desired CDB, evaluate rates and terms, and trade directly in the app.
Conclusion
To decide between Tesouro Direto or CDB, consider your profile, goal, and need for liquidity. The Tesouro Direto is excellent for those seeking security guaranteed by the government and liquidity. The CDB may offer higher returns, especially at smaller banks, but requires attention to risks and terms.
Thus, it is possible to include both investments in a diversified portfolio, balancing security and return. Always consult a specialist and make informed choices for your financial future.
