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How to Invest in Treasury Direct in a Practical and Effective Way

How to Invest in Treasury Direct in a Practical and Effective Way

Learning

06 May 2025

4 min to read

How to Invest in Treasury Direct: Strategies and Practical Tips

Investing in Tesouro Direto is a common question for both beginners and more experienced investors seeking security and profitability. Here, we present practical strategies and essential tips for successfully investing in Tesouro Direto, maximizing your returns and efficiently managing risks.

Tesouro Direto can be an excellent choice for those seeking security and profitability. This Brazilian government program allows individuals to purchase government bonds, offering an interesting alternative to diversify their investment portfolio. But how do I invest in Tesouro Direto effectively? Let’s explore the main steps and strategies.

What is Tesouro Direto?

Tesouro Direto is a program that enables investment in federal government bonds, considered among the safest in Brazil. By investing in these bonds, you are lending money to the government in exchange for an interest rate. There are fixed-rate, floating-rate, or inflation-linked bonds, each with its own characteristics and benefits.

Types of Treasury Bonds

Fixed-Rate Treasury: Offers a fixed interest rate, allowing you to know exactly how much you will receive at maturity.
Selic Treasury: Linked to the Selic rate, ideal for those seeking liquidity and protection against interest rate fluctuations.
IPCA+ Treasury: Protects against inflation, ensuring a real return above the IPCA.

How Do I Invest in Tesouro Direto?

Initial Steps

Open an Account with a Brokerage: Choose a brokerage firm that offers access to Tesouro Direto. Some well-known options are XP Investimentos, Rico, and Easynvest.
Choose the Appropriate Bond: Decide which type of bond best meets your financial goals and investment horizon.
Define the Amount and Term: Determine how much you want to invest and how long you intend to hold the bond.
Make the Purchase: With the account active, buy bonds directly through the Tesouro Direto website or the brokerage platform.

Investment Strategies

Diversification: Spread your investments across different types of bonds to minimize risks.
Monitoring: Keep track of market conditions and adjust your portfolio when necessary.
Reinvestment: Reinvest the interest received to increase the potential return.

Benefits of Tesouro Direto

Benefits	Description
Security	Government bonds are considered low risk.
Accessibility	Accessible investments, starting from R$ 30.
Variety of Bonds	Options for different profiles and financial goals.
Liquidity	Possibility of early sale, with weekly redemptions.

Tips to Maximize Your Returns

Diversify Your Portfolio: Do not concentrate all your capital in a single bond. Diversify among different types of bonds to balance risk and return.
Follow the Market: Stay informed about economic trends and monetary policy decisions that may impact your investments.
Reevaluate Periodically: Review your investment strategy regularly to ensure it is still aligned with your financial goals.

Pocket Option and Tesouro Direto

Although Pocket Option is best known for offering quick trading, it can also be a useful platform for managing your investments in Tesouro Direto. Its user-friendly interface and customer support can help investors effectively monitor their portfolios.

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Interesting Fact

Did you know that Tesouro Direto started in 2002 and has already reached over 1.5 million investors by March 2025? This impressive growth demonstrates the increasing confidence and popularity of Brazilian investors in Tesouro Direto. Additionally, the program has evolved over the years to offer more accessibility and investment options, attracting both novice and experienced investors. This evolution reflects the government’s commitment to promoting financial education and access to safe investments.

Challenges and Considerations

While Tesouro Direto is a safe option, it is essential to consider:

Challenges	Considerations
Market Risk	Fluctuations in interest rates can affect the value of fixed-rate bonds.
Inflation	Choosing the right bond can protect your investment against inflation.
Liquidity	Although early sale is possible, there may be losses if sold before maturity.

Practical Investment Example

Let’s consider an investor who decides to apply R$ 10,000 in the IPCA+ Treasury 2035. With a return rate of 4% plus IPCA per year, he aims to protect his capital from inflation while obtaining a real return. This type of investment is ideal for those seeking long-term security.

Comparison: Tesouro Direto vs. Savings

Feature	Tesouro Direto	Savings
Profitability	Generally higher than savings	Limited profitability by TR
Security	High, guaranteed by the government	High, guaranteed by FGC
Liquidity	Early sale available	Withdrawals at any time
Variety of Options	Various types of bonds	Only one modality

FAQ

How do I invest in Tesouro Direto for the first time?

To start, open an account with a brokerage that offers access to Tesouro Direto. Then, choose the bond that best fits your goals, set the amount and investment term, and make the purchase through the brokerage's platform or directly on the Tesouro Direto website.

What are the costs associated with investing in Tesouro Direto?

The costs include the custody fee charged by B3, which is 0.25% per year on the value of the securities, in addition to any administration fees charged by the brokerage. Some brokerages, however, do not charge this fee for Tesouro Direto.

How does inflation affect my investment in Tesouro Direto?

Inflation can mainly impact fixed-rate bonds, which offer a fixed interest rate. To protect your investment from inflation, consider investing in bonds linked to the IPCA, such as the Tesouro IPCA+, which guarantee a real return above inflation.

Is it possible to redeem my investment in Tesouro Direto before maturity?

Yes, it is possible to sell your securities before maturity, which is done weekly. However, the redemption value may be lower than the amount initially invested, especially during periods of high interest rate volatility.

How can Pocket Option help in managing my investments in Tesouro Direto?

Pocket Option offers a user-friendly interface that makes it easy to monitor investments. Additionally, customer support is available to help resolve queries and optimize your investment strategy, making portfolio management more efficient.