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But after all, if I invest 1,000 reais in Tesouro Direto, how much will it yield? Learn all about this financial investment and get your questions answered!
Investing in Tesouro Direto is an option often encouraged by experts. This is because it's a safer investment with a good return rate.
But what is Tesouro Direto? How does it work? If I invest 1,000 reais in Tesouro Direto, how much will it yield?
These and other questions will be addressed throughout today's content.
So, if you want to understand this type of investment and decide if it's the ideal option for you, come with us!
What is Treasury Direct?
When it comes to investing, there are three main criteria for choosing a method: profitability, return time, and investment security.
This is because it is known that higher returns in the short term tend to offer less security.
The same goes for safer investments that have a low rate of return.
Therefore, choosing the ideal modality may not be such a simple task, as it requires a good analysis.
However, it is not uncommon to hear people and even experts recommending Tesouro Direto, claiming it to be a profitable option with a good level of security.
However, what is Tesouro Direto?
Technically speaking, Tesouro Direto is a National Treasury program that aims to sell federal government bonds to individuals.
This means that those who invest in Tesouro Direto are actually purchasing a federal government bond.
The most interesting thing about Tesouro Direto is that it allows online investments, with amounts starting at R$$ 30.00.
It is worth mentioning that this is a type of Fixed Income investment, which means that the investor knows in advance how much income he will receive if he maintains the investment until the stipulated date.
Therefore, this is the ideal option for those who can leave the amount for as long as possible.
Later on, we'll see everything about the return rate for this modality, which will help us answer the question "if I invest 1000 reais in Tesouro Direto, how much will it yield?"
If I invest 1000 reais in Tesouro Direto, how much does it yield?
By now you already know what Tesouro Direto is, and you know that this is a type of Fixed Income investment.
Therefore, it is important to wait the stipulated investment time to collect satisfactory returns.
And, speaking of which, we should point out that the Treasury Direct yield is annual.
This means that the return rate is calculated per year, therefore, the minimum time an investment needs to remain in this modality is 12 months.
If the person withdraws earlier, they will not necessarily have a loss, but the profitability rate will not be the same.
But, what about the question "if I invest 1000 reais in Tesouro Direto, how much will it yield?", what would the answer be?
The annual profitability rate of Tesouro Direto is calculated with based on the Selic rate, which currently stands at 13.75%.
However, the Selic Rate is not the only factor responsible for the Treasury Direct's return.
Therefore, calculating profit based solely on this rate would be a mistake.
To arrive at an exact value, we would need to delve into the types of titles, indexes, and many other complex concepts.
So, let's go to a basic answer, considering that the Treasury Direct yields 100% of the Selic.
Thus, R$ 1,000.00 would give a minimum return of R$ 130.00 per year.
It is worth mentioning that there are taxes charged on investments, so this is the gross income.
It is worth mentioning that the longer you leave your money invested in this modality, the greater the returns.
Furthermore, the investment value also affects the return.
Direct Treasury, Savings or CDB, which one to choose?
When we talk about Tesouro Direto, many people claim that this is a better option than traditional savings accounts.
To understand if this is true, let's look at a basic explanation about savings.
Savings is a type of bank account that earns income on the balance.
This means that an amount left in savings yields approximately 7.76% per year.
Considering the value of 1000 reais, in savings this would yield in 1 year around R$ 78.00, which results in around 40% less profit, when compared to the Treasury Direct.
Therefore, when we compare the two modalities, Tesouro Direto certainly presents better results.
A CDB is a type of investment in which the investor "lends" his money to the bank for a set period.
In exchange, the bank pays a portion of interest on the amount invested, this interest is calculated based on the CDI.
Considering the CDI in September 2023, of 13.15%, we can say that the return rate is very close to that of Tesouro Direto.
However, the Treasury Direct still yields a higher amount, if we compare it with the annual return.
Therefore, considering all the options, in terms of yield, Tesouro Direto is still the best option.
However, it is worth saying that we should not only consider profitability when choosing.
Therefore, it is important to consult a professional who can help you choose the best application method.
Is it worth betting on this modality?
After everything we've seen, it's clear that Tesouro Direto is an excellent option among fixed income options.
This is because it has the highest annual profitability rate.
However, it is worth mentioning that in addition to the return, Tesouro Direto also has the advantage of making investment easier.
This is because the investor can make an investment online, and with low amounts.
This way, even those who don't have much to invest can get started in this investment market.
However, it is worth remembering that with fixed income you should not withdraw the amount before the stipulated date.
Therefore, the choice of this modality must be very well thought out, so that the bonuses are really noticed at the end of the process.
So, now that you understand Tesouro Direto and know the best option for investing 1000 reais, take advantage of the opportunity to move forward with your financial plans.
