Direct Treasury x Savings: see the main differences
Direct Treasury vs. savings: which is the best option for your investments?
Announcements
When it comes to Treasury Direct vs. savings, which is the best option? And what are the main characteristics of each?
This is one of the main questions for those who are starting to invest in fixed income!
The first thing you should know is that investing in savings is not the best option, as the returns are lower. In other words, in the medium and long term, you will lose your purchasing power.
So, the ideal is to look for safe options, but at the same time, more profitable, which is the case of Tesouro Direto.
If you want to learn how to invest to achieve your financial goals, this article will help you make the right decision.
Continue reading to learn more about the characteristics and differences between Tesouro Direto and Savings.
Direct Treasury x Savings: see the comparison
If you compare the two options, you will notice that both are considered fixed income investments.
Furthermore, both Tesouro Direto and savings are safe and low risk.
The problem is that although savings are very popular in Brazil, due to their ease and convenience, they are not recommended when it comes to profitability.
In fact, depending on inflation and other market factors, you may lose your purchasing power, especially if you use a savings account to save money that you intend to use in the medium or long term.
Savings profitability
The Central Bank, at the beginning of February, raised the Selic rate for the eighth time in a row.
With this, the Selic rate rose to 10.75% per year.
This increase impacts the financial lives of Brazilians in two different ways. On the one hand, it increases the interest rate on financing and loans.
However, the increase in the Selic rate also means that income from fixed income financial applications, especially those linked to the CDI and Selic, rise.
Even so, the profitability of savings is significantly lower compared to the Treasury Direct. It is calculated as follows:
• If the Selic rate is greater than or equal to 8.5% per year, the yield will be 0.5% per year plus the reference rate (TR)
• If the Selic rate is below 8.5% per year, the return will be 70% of the Selic rate plus the reference rate (TR)
This means that the savings yield is currently 0.5% per month or 6.17% per year.
But there is another thing that should be taken into account: the “savings anniversary.” After all, what is that?
Well, basically, the savings anniversary is the monthly date on which your investment will yield a return.
For example, if you make an investment on February 25th, it will yield results on March 25th.
Treasury Direct Profitability
The profitability of Tesouro Direto varies according to several factors, such as the type of security, behavior of the index and maturity date.
When there is an expectation of an increase in interest rates in the economy in the future, the profitability of the bonds increases, while the unit price decreases.
In this case, public debt becomes more expensive. For this reason, the government needs to offer a more advantageous return to interested investors.
But as we said, the Treasury's profitability varies according to the chosen title, which in turn is subdivided into three:
• Treasury IPCA+: These bonds pay a fixed rate plus the IPCA for the period. This means that your profit will be the inflation rate, plus the real interest on the bond.
- Fixed-rate Treasury: These are securities that have a fixed annual rate. In other words, at the time of purchase, you will know exactly what the return on your money will be until the maturity date.
- Selic Treasury: As the name suggests, the Tesouro Selic is a post-fixed security whose profitability follows the variation of the Selic rate. Through it, you earn exactly 100% of the Selic rate for the period.
Direct Treasury x Savings: which is safer?
Savings is, in fact, a very safe and low-risk investment.
In fact, this is one of the reasons why so many Brazilians still do not invest in other fixed income investments.
But the truth is that there are several types of investments that are just as safe as savings and that offer a more advantageous return.
This is the case of Direct Treasury, considered one of the safest investments on the market, as it is 100% guaranteed by the National Treasury.
Direct Treasury x Savings: which offers greater liquidity?
Liquidity is the ability to convert an asset into cash.
The faster the asset is converted into cash, the more liquid it will be.
This means that an asset with low liquidity is the most difficult to redeem.
At this point, savings become advantageous, as you can withdraw the money from your account at any time.
But as we said, savings income is only transferred on the anniversary date of the investment.
In other words, if you make a withdrawal before your anniversary, you will not receive the full return.
In the case of treasury bonds, income is paid daily.
In government bonds, liquidity is D+1. This means that when you request to withdraw your money, it will be available to you on the next business day.
Securities held until the maturity date have the contracted profitability guaranteed.
Direct Treasury x Savings: what are the other differences?
Among the other differences, we can mention:
• Taxation: The savings account is tax-free. However, with Tesouro Direto, you must pay income tax and other taxes, such as IOF.
• Minimum application: At this point, both are very advantageous. In savings, you can start with any amount from R$ 1. Treasury bonds can be purchased with amounts close to R$ 30.
Conclusion
Now you know the main differences between Tesouro Direto and Savings and the advantages of each.
When it comes to medium and long term, that is, future goals, the ideal is to always look for more profitable investments than savings, such as Tesouro Direto!
