How much does Tesouro Direto pay today? Check it out!
Want to know how much the Tesouro Direto pays today? Then you're in the right place!
Announcements
Do you know how much the Treasury Direct pays today? This is a very common question among investors who are interested in this National Treasury Program.
However, although we are talking about a fixed income investment, there are several factors that must be considered before answering how much your investment will yield in a given period.
If you want to know more about the profitability of Tesouro Direto and how it works, continue reading. We will explain everything about the subject.
How does investing in Tesouro Direto work?
Tesouro Direto is a program that aims to facilitate access for individuals to the world of investments.
This investment in fixed income It stands out for yielding more than savings and for being considered safe.
In fixed income, there are public and private bonds. Public bonds are issued by the Government to raise financial resources.
In other words, when you purchase a Treasury Direct bond, you are lending your money to the government. On the set date, you will receive your money plus interest.
Although the program does not have coverage of Credit Guarantee Fund (FGC), it is considered extremely safe.
But after all, how is this type of investment considered safe if there is no FGC protection?
The chances of the National Treasury going bankrupt are very low, if not non-existent. After all, we are talking about the government's coffers.
If the program ever fails, even private companies will be harmed, since there are many banks that invest in the Treasury. But don't worry about that, because as we said, the chances of it failing are extremely small.
Another advantage of Tesouro Direto is the minimum investment amount: with just R$ 30.00, you can start acquiring program bonds.
What types of bonds are available on Tesouro Direto?
To explain more about the profitability of Tesouro Direto, it is necessary to understand what types of bonds are available.
After all, the profitability of each of them works differently.
Understand more about each of them:
Prefixed Treasury
The fixed-rate treasury is a fixed-income security in which interest rates are established at the time of contracting.
In other words, you start investing knowing exactly how much you will receive at the end of the term.
Like other Treasury Direct bonds, the fixed-rate bond has daily liquidity. This means that one business day after the redemption request, you can convert the investment into cash.
However, if you want to sell your fixed-rate bond before the deadline, the treasury will only pay the market value.
Therefore, the profitability will be lower than that established at the time of purchase. Therefore, selling the security before maturity is not a good idea.
For this reason, only invest in fixed-rate treasury bonds if you are certain that you will not need the money before the due date. Although it is possible to withdraw the money, you will not obtain the desired returns if you request withdrawal before maturity.
Selic Treasury
The Tesouro Selic is a type of post-fixed security.
It uses the Selic rate, the economy's basic interest rate, as a reference.
This means that the yield is given by the variation in the daily Selic rate recorded between the acquisition settlement date and the security's maturity date.
Regarding liquidity, the Tesouro Selic allows early redemption without losses.
As this type of investment is safe, offers liquidity and is not as exposed to market changes, it is an interesting option for building your emergency reserve.
IPCA+ Treasury
The IPCA+ Treasury has part of its profitability linked to the IPCA and another part linked to a fixed rate.
For this reason, this investment is an interesting option when there is an expectation of high inflation.
The interest on this security is presented as follows: IPCA + X%. In other words, the profitability will be measured by the National Consumer Price Index (IPCA) added to a fixed established value.
This security is recommended for those who are thinking of investing in the long term. However, it is necessary to be careful with the market marking risk in redemptions made before maturity.
How much does Tesouro Direto pay today? See the simulation with 10 thousand reais
To help you understand more about the returns on this security, we will use as an example an investor who has R$ 10 thousand to invest.
Check out our simulations based on Treasury Direct's own calculator:
Prefixed Treasury
In this case, consider a bond maturing in July 2024 and with an annual yield of 11.87%.
By investing R$ 10 thousand reais, the estimated gross value result will be R$ 13,355.23.
However, those who invest in Tesouro Direto must pay Income Tax. In other words, it is necessary to disregard the IR amount, which will be R$$ 503.28.
In addition, it is also necessary to discount the fee charged by B3, which is R$ 75.16.
Therefore, the total value at the time of redemption will be R$ 12,767.72.
Selic Treasury
In the case of Tesouro Selic, a public bond maturing in September 2024 (considering that you invest R$ 10 thousand), could result in a gross value of R$ 12,649.79.
Disregarding IR and the B3 rate, in this case, the net value would be R$ 12,240.44.
IPCA+ Treasury
The IPCA+ Treasury is considered an asset with good annual profitability, considering that it can yield up to 12%.
To help you understand more about its yield, we will use the same R$ 10 thousand as an example, but now, with a maturity date of August 2026.
The profitability will be IPCA + 5.10%,
Therefore, the investment could result in a gross value of R$ 15,028.20 in 2026.
Discounting IR and the B3 fee, the net performance could be R$ 14,101.14.
Conclusion
Tesouro Direto is considered one of the most accessible investment options on the market.
But to choose the best title, it is necessary to analyze your investor profile, or your financial objectives and the date on which you intend to withdraw the money.
