If you're looking for investment options with safety and good returns, you've certainly heard of Tesouro Direto and CDBs. These two investments are quite popular among those who want to preserve their money and still earn gains. But after all, which one offers the highest safe return for your money? In this article, we'll explain the differences and help you decide the best path.
What it is / How it works
Tesouro Direto is a federal government platform that allows the purchase of government bonds. These bonds are loans you make to the government, receiving interest in return. There are different types of bonds, with pre-fixed or post-fixed returns, linked to inflation or the Selic rate.
CDBs (Bank Deposit Certificates) are securities issued by banks to raise funds. In return, the bank pays you interest that can be pre-fixed, post-fixed, or mixed. CDBs are backed by the FGC (Credit Guarantee Fund) up to a certain limit, offering security.
Advantages and benefits
Tesouro Direto is known for its safety, since the risk of the government defaulting is very low compared to other institutions. In addition, many bonds have daily liquidity, allowing redemptions before maturity. Investing through the Treasury can be simple and accessible, as on the XP or Guide platforms.
On the other hand, CDBs, offered by banks such as Banco Inter or PAN, tend to offer higher returns, especially those from smaller banks. They also have the protection of the FGC, guaranteeing up to a certain amount. Another advantage is that many have varied terms and can be purchased through digital platforms.
Precautions and points of attention
When investing in Tesouro Direto, it's important to understand the type of bond chosen. For example, pre-fixed bonds can suffer losses if sold before maturity when interest rates rise. Bonds linked to inflation, on the other hand, protect against rising prices.
With CDBs, the investor should pay attention to the issuing institution and the redemption term. Smaller banks offer attractive rates, but they may be riskier. In addition, the FGC covers up to R$ 250,000 per CPF and per institution, so diversifying is prudent.
How to apply / get started
To invest in Tesouro Direto, simply open an account with a brokerage such as Modal or Ágora. Then, just access the Tesouro website or app, choose the bond according to your goal, and invest. The process is 100% online and accessible.
To acquire CDBs, you can use digital banks such as Bradesco Next or fintechs such as PicPay. Choose the CDB that offers the best rate, also considering the term and the minimum investment amount indicated. Many platforms allow you to invest directly through the app.
Conclusion
Both Tesouro Direto and CDBs can be safe investments and yield well, depending on the investor's profile and goal. Tesouro Direto is ideal for those seeking safety and liquidity, while CDBs can offer higher returns in some cases, especially when issued by smaller banks.
It is essential to analyze the term, the institution, and the yield offered before deciding. Diversifying among these options can be a good strategy to balance returns and safety in your portfolio.
