Tesouro Direto: How to know if government bonds are good for you or not? Understanding how Tesouro Direto works.
Tesouro Direto is an investment program safe and affordable offered by the National Treasury, which allows individuals to buy and sell federal government bonds online.
It is a direct way of lending money to the government, which returns the amount with interest on the scheduled maturity date, thus guaranteeing a return.
So to get started, the investor needs to have a account at a brokerage firm securities accredited by the National Treasury.
After opening an account, the process of purchasing securities can be done online, choosing from the various options available.
They certainly vary depending on the maturity date, the interest rate, and the form of profitability.
Prefixed with fixed income established at the time of acquisition
Indexed to inflation ensuring the correction of the amount invested by inflation plus a fixed interest rate.
Indexed to the Selic rate with income linked to the economy's basic interest rate.
Tesouro Direto is known for its security, being considered one of the lowest risk investments in Brazil, as it is guaranteed by the federal government.
Furthermore, it provides instant investment and redemption, with daily liquidity and diversification across different types of securities.
With a minimum investment of just R$ 30.00, it is an attractive option for both beginners and experienced investors looking for low risk in their portfolio.
Invest in Direct Treasury can be a great way to ensure a peaceful retirement or make medium and long-term dreams come true.
However, to maximize your returns and tailor your investment to your profile, it's important to choose the right bond. Here's a simplified guide to help you make that choice.
Each investor has a different risk profile, some are more conservative, others have a greater tolerance for risk in search of higher returns.
Therefore, knowing your profile is essential to choose between fixed-rate, post-fixed or IPCA bonds.
There are three main types of bonds in Tesouro Direto prefixed, postfixed linked to the SELIC rate, and those that are adjusted for inflation, known as IPCA+.
Each has specific characteristics that may be more advantageous depending on your goals and risk tolerance.
With fixed-rate loans, you are certain of the amount you will receive at maturity, ideal for those who believe that the interest rate will fall.
Post-fixed your income will follow the variation of the SELIC rate, recommended for those who expect interest rates to rise.
IPCA+ offers a real return above inflation, thus guaranteeing purchasing power, it is a good choice for long-term goals.
Above all, investing in Tesouro Direto is a safe and affordable option for those who want to start investing their money.
With notable benefits, this form of investment has become popular among both beginners and experienced investors. Let's look at the main advantages:
Tesouro Direto is considered one of the safest investments in Brazil, as it is guaranteed by the National Treasury.
The profitability is certainly quite competitive, especially when compared to savings.
Bonds have returns tied to indexes such as the IPCA or SELIC. This protects capital against inflation or generates real gains above it.
Therefore, with investments starting from R$ 30.00, Tesouro Direto is accessible to anyone who wants to start investing.
Furthermore, the flexibility Choosing between different types of securities and maturity dates allows you to adapt your investment to the profile and objectives of each investor.
Certainly, Tesouro Direto offers daily liquidity, allowing redemptions at any time.
Its platform is intuitive, allowing you to easily track, buy, and sell securities.
In conclusion, with so many benefits, it's easy to understand why it has become one of the most sought-after investment options for Brazilians.
Whether for security, profitability, accessibility, flexibility, liquidity or financial education opportunities, Tesouro Direto presents itself as an excellent choice.
Official Treasury Direct Website ⭐⭐⭐⭐
Central Bank of Brazil ⭐⭐⭐⭐
Securities and Exchange Commission ⭐⭐⭐⭐
As well as for those who want to take their first steps in the world of investments or diversify their portfolio.