2023-09-12 03:42:17
Tesouro Direto Selic is a highly recommended fixed income investment option for beginner investors. Its flexibility allows you to redeem the money invested at any time, without losing profit. Furthermore, it is directly related to the Selic Rate, the basic interest rate of the Brazilian economy. For these reasons, the Treasury Selic is considered one of the best options for those who want to get out of savings or create an emergency reserve.
In this complete guide, we will clarify what the Selic Treasury Direct is, how it works and why It is one of the safest and most profitable investments on the market. Follow along!
What is the Selic Direct Treasury?
The Treasury Direct Selic is a public bond issued by the National Treasury, linked to the Selic Rate. Basically, when investing in the Treasury Selic, you are lending money to the federal government and, in return, you receive interest on the amount invested.
This type of investment is considered fixed income, which means that its profitability is pre-determined at the time of investment. In the case of the Selic Treasury, the profitability is directly related to the variation in the Selic rate throughout the investment period.
Features of the Selic Treasury
One of the main characteristics of the Selic Treasury is its daily liquidity. This means you You can redeem the amount invested at any time, updated with proportional interest. This characteristic makes it a excellent option for building an emergency reserveas you can access your money quickly and without significant losses.
Furthermore, the Selic Treasury It is considered a low risk investment, as it is issued by the Federal Government. This provides greater security to the investor, especially in times of volatility in the financial market.
An important point to highlight is that the Selic Treasury has profitability close to the CDI (Interbank Deposit Certificate). This means that your returns will be quite competitive with other fixed income investment options.
How does investing in Tesouro Direto Selic work?
Investing in Tesouro Direto Selic is a simple and accessible process. To get started, you need to open an account with a stockbroker authorized by the National Treasury. You then purchase the titles directly through the Tesouro Direto website.
When investing in the Treasury Selic, you can define the amount you want to invest and the investment period. It is important to highlight that, even if the Selic Treasury has a defined maturity, you can redeem the amount invested at any time, without significant losses.
It is worth noting that the Selic Treasury also offers the possibility of automatic reinvestment of interest received. This way, you take advantage of compound interest, which increases your income over time.
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Advantages of Tesouro Direto Selic in relation to Savings
Compared to traditional savings, Tesouro Direto Selic offers several advantages. The first of these is the most attractive profitability. While savings have a fixed and low rate, the Treasury Selic monitors the variation in the Selic rate, which can provide higher returns.
Furthermore, the Selic Treasury offers greater security, as it is an investment issued by the Federal Government. While savings are guaranteed by the Credit Guarantee Fund (FGC) in up to R$250,000 per CPF and financial institution, the Tesouro Direto Selic does not have this guarantee limit, being considered a low-risk investment.
Another advantage of the Selic Treasury is the possibility of redeeming the amount invested at any time, without significant losses. In savings, it is necessary to wait for the anniversary of the deposit to have access to the money without loss of income.
Simulate your income at Tesouro Direto Selic
Before investing in Tesouro Direto Selic, it is possible to simulate your income using the calculator provided by the National Treasury. With this tool, you can evaluate the profitability of each type of treasure, comparing it with savings.
To use the calculator, simply enter the amount you would like to invest and the frequency of deposits. Then, you can define the time you would leave your money invested. The calculator will display the net value following taxes and compare it with the profitability of savings.
It is important to remember that the values used in the simulation refer to the last update date and may change according to the market. Therefore, it is always recommended to consult up-to-date information before making any investment.
Other types of Treasury Direct bonds
In addition to the Treasury Selic, the Treasury Direct offers other bond options that may be interesting to diversify your investment portfolio. Among them, the Prefixed Treasury and the IPCA+ Treasury stand out.
The Prefixed Treasury has a fixed interest rate, defined at the time of application. This means that you already know exactly how much your investment will yield when the bond matures. This option is recommended for those who want to have greater predictability in relation to their income.
The Treasury IPCA+ is a hybrid security, which offers part of the fixed income and another part linked to the variation in inflation, measured by the IPCA (Broad National Consumer Price Index). This option is interesting for those who want to protect their money from devaluation caused by inflation.
How to invest in Tesouro Direto Selic
Investing in Tesouro Direto Selic is a simple and accessible process. To get started, you need to follow the following steps:
- Open an account with a stockbroker authorized by the National Treasury.
- Make a transfer of funds to the broker.
- Access the Tesouro Direto website and choose the Treasury Selic title.
- Define the amount you want to invest and the number of securities to be purchased.
- Confirm the operation and wait for the purchase to be completed.
- Ready! You are now an investor in Tesouro Direto Selic.
It is important to remember that each brokerage may have its own rates and conditions for investing in Tesouro Direto. Therefore, it is recommended to research and compare the available options before choosing the broker with which you will invest.
Conclusion
The Treasury Direct Selic is a safe and profitable investment option, especially for beginner investors. Its daily liquidity, low risk and attractive profitability make it an interesting option for those looking to get out of savings or create an emergency reserve.
When investing in the Treasury Selic, it is possible to have greater security and predictability in relation to income, in addition to being able to redeem the amount invested at any time, without significant losses. Furthermore, the Selic Treasury offers advantages in relation to savings, such as more attractive profitability and greater security.
Remember to always research and seek up-to-date information before making any investment. This way, you will be better prepared to make informed financial decisions and achieve your goals. Invest in Tesouro Direto Selic and make your money go further!
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