How to invest in public Treasury bonds

Tesouro Direto is a financial investment program from the National Treasury Secretariat (STN) that allows Brazilians to invest directly in federal public bonds from the Brazilian government. These bonds are issued to finance several important areas of the economy, such as infrastructure, education, health and security.

When investing in Tesouro Direto, you have the possibility of obtaining interesting and safe returns. Public bonds are much safer than other investment alternatives, as they are guaranteed by the Brazilian government, which means your investment is safe. Furthermore, interest rates are attractive, ranging between 8% and 15%, depending on the option you choose.

In addition to being safe and profitable, the public bonds offered by Tesouro Direto are accessible to all investors. You can easily invest from a computer or mobile device and, with just R$30,00, it is possible to have a public bond. So, if you are looking for a safe and profitable investment alternative, consider investing in Tesouro Direto.

What are the differences between Treasury Direct public bonds

Tesouro Direto is the investment program in public securities developed by the National Treasury to offer Brazilian citizens a simple, safe and accessible way of investing their resources.

The public bonds offered by the program are a Fixed Income application (investments with predefined interest rates) issued by public financial institutions. The variety of titles available in Tesouro Direto is divided into three main categories, which are: Treasury Selic, Treasury Prefixed and Treasury IPCA.

Selic Treasure

The Selic Treasury is a security whose interest rate is referenced to the basic interest rate of the Brazilian economy, the Selic Interest Rate. Furthermore, the Treasury Selic has a short maturity period, that is, it has the low volatility necessary for investors who want to easily enter and exit the investment.

Prefixed Treasure

The Prefixed Treasury is a security that has its interest rate pre-defined at the time of purchasing the security. This way, your investor knows in advance what the profitability of the investment will be for any payment cycle. It is important to highlight that this security has greater volatility than the Treasury Selic.

IPCA Treasury

The IPCA Treasury is a security whose profitability is referenced in the Broad National Consumer Price Index (IPCA). Furthermore, the IPCA Treasury also has a short maturity period, identical to the Selic Treasury.

7 tips for investing in public bonds from Tesouro Direto

1. Know the types of titles available: there are several types of public bonds issued by Tesouro Direto, each with its own particularities. It is important to understand which securities fit your investor profile and what interest rates, terms and other conditions are charged.

2. Analyze your investor profile: define your profile as an investor before buying public bonds. Establish the goals you want to achieve, your risk tolerance and investment capacity.

3. Check the security of the investment: as public securities are considered safe, check whether the means of payment and storage of your investments offer adequate security. There are some custodian options and authorized agents that evaluate assets before approving the purchase of securities.

4. Know the fees. There are several fees involved in buying and selling Treasury Direct bonds. Before investing, it will be useful to review the rate tables and consider what your expenses will be when purchasing these securities.

5. Keep track of interest rates: find out what interest rates are currently charged and what fees may be charged at the time you carry out the transaction.

6. Critically analyze costs: when investing in public bonds, it is advisable to analyze the costs in detail, as only by knowing the table of fees charged will it be possible to understand what the real savings will be through this investment.

7. Find out how to buy and sell: It is important to know how to buy and sell securities, especially to be prepared if you want to close the investment. Find out what procedures are necessary to do this and when you will be reimbursed.

How to get results when investing in public Treasury bonds

1. Only invest if you have a long-term horizon and accept the risk associated with volatility.

2. Select securities according to your investment objectives and risk profile.

3. Only trade with the official National Treasury broker.

4. Trade with a broker that provides low custody and funds fees.

5. Diversify your investments across different securities with different maturities.

6. Monitor the bond market and make adjustments based on price fluctuations.

7. Don't forget to count on additional income from public bonds, paid every six months.

8. Keep in mind that government bonds can be sold before maturity, but only if authorized by the broker. If you want to obtain liquidity, it is important that you are aware of which securities offer this possibility.

Final considerations

Investments in direct public treasury bonds are a great option for those who are starting to invest in the financial market. It is possible to practically monitor the variation of your investment on the Tesouro Direto website. Furthermore, it is a relatively safe option, as they are guaranteed by the Federal Government.

It is important to understand that public Treasury bonds have their own operating rules and may present liquidity, interest and loss of investment value risks in case of default by the issuer. Therefore, it is recommended to study a lot before making an investment decision.

It is important to remember that there is a limit of R$20.000 for purchasing public bonds from Tesouro Direto, so that you can have better diversification of your portfolio. Furthermore, you must always respect the minimum investment for each security and the maturity date of the investment.

Lastly, after analyzing the scenario and your investor profile, it is important to use public bonds from Tesouro Direto to assist in financial planning and achieving long-term goals.

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