Investing in Tesouro Direto is very easy, but many people still have questions about how to get started . Understanding the fundamentals of this type of investment is crucial to making financial decisions that impact real life. In this article, we will explore six key points to help you better understand Tesouro Direto and start investing safely.

• Understanding Treasury Direct :

Tesouro Direto is a Brazilian government program that allows the purchase of public bonds over the internet. These bonds are considered the safest financial investments in the Brazilian market, as they are backed by the federal government. The government uses this source of resources to finance its projects and maintain the federal public structure.

• Types of securities within Tesouro Direto :

There are different types of bonds available, such as Treasury Selic , Treasury Inflation and Treasury Prefixed , each with specific characteristics. Of all, the safest is still the SELIC Treasury . For those who think that inflation in the future will be a problem, the Treasury Inflation (IPCA+) could be an option. For those who want to know exactly how much they will earn regardless of economic scenarios, perhaps the prefix is ​​an alternative.

• Advantages and Important Considerations :

Investing in Tesouro Direto offers several advantages , such as low risk, daily liquidity, ease of investment and attractive profitability.

• Disadvantages and Important Considerations :

Investing in the direct treasury is not recommended for short-term investors due to the issue of taxes such as IOF. Another disadvantage is that if you exit before the bond's maturity date, it may be suffering what we call a discount, that is, suffering some losses due to the temporary devaluation of the bond. So remember to take care of your salaries.

Six Main Points you should know before investing in Tesouro Direto

1. How to invest in Tesouro Direto ?

Have an investment account at a bank . The good news is that almost all banks and institutions offer easy investments in the Treasury directly . It is through this account that you buy and redeem treasury bonds directly .

Is there any bank that does not offer the option of investing in government bonds?

There are some banks that do not offer the option of investing in government bonds, such as:

Banrisul, BNDES, and some cooperative banks. The reason for not offering investment in Tesouro Direto is simple: they focus on other investment products and are not registered to sell such products.

2. Define how much you will invest in Treasury Direct .

Don't make a mistake in this step, because if you invest more than you can and have to redeem before maturity, you may suffer some financial losses. Remembering, never invest everything at once and only in the direct treasury , invest something between 5% and a maximum of 40% of your reserves in these investments .

3. Define which securities you will invest in Treasury Direct .

If you are very worried about inflation, the most recommended option is to stick with the IPCA+ (NTN-B) or the SELIC (LFT) . If you want something fixed, stick with the prefixes (NTN-F) . The least risky within the direct treasury are bonds linked to SELIC.

4. Define the Maturities of the securities Treasury Direct .

Maturities are important , as it is on the maturity date that you will receive the principal invested. If you set a very long date and cannot hold until then, you will have to sell at market price, and this can generate some losses. My recommendation for anyone starting out is to stick with the shortest title you can find , as they are less risky.

5 . Define when you will invest in Treasury Direct .

Don't guess at the moment, invest in what I call continuous and constant investments . There is evidence and studies that investing continuously, little by little every month, is more beneficial than investing everything at once in a single moment and in a single investment product.

6. Set a goal.

If you invest for the sake of investing, you will give up at some point. If you create a goal such as: saving to pay for your child's college education, or investing to change apartments in 10 years without depending on financing, everything will make sense and investing will be one of the pleasures of your life.

In short, don't go around opening accounts, most likely you already have access to the treasure directly in your account. Additionally, be sure to define an amount of capital that does not compromise your household budget, and set a real-world objective when investing, invest constantly and little by little. Choose the titles that are most aligned with your concerns. With these simple tips, but which contain the truth on how to invest in direct treasury , you have everything you need to become passionate about investments and especially direct treasury .

Conclusion

Investing in Tesouro Direto is very easy, as long as you understand the basic principles and follow the correct steps. In this article, we explore the main points of this type of investment, from understanding how Tesouro Direto works to the investment process and the important considerations to be taken into account. By investing in Tesouro Direto, you will not only be ensuring a safe investment, but you will also be taking an important step towards achieving your financial goals. So, don't wait any longer, start investing in Tesouro Direto and build a solid and promising financial future.