What is the best financial institution to invest in Tesouro Direto?

Find out now which is the best financial institution to invest in Tesouro Direto!

Investing in Tesouro Direto is an excellent way to diversify your investments and accelerate the growth of your financial assets.

Like most fixed-income investments, Tesouro Direto is considered low risk. For this reason, it is ideal for those who have a more conservative investment profile.

But after all, with so many options available on the market, which financial institution should I choose?

That's exactly what you're going to learn now. Check it out!

How to choose the best institution to invest in Tesouro Direto?

Choosing a good financial institution is essential for you to be successful in the world of investments.

In fact, every investor, regardless of whether they are a beginner or an experienced investor, needs to take this choice seriously. The main factor in choosing, without a doubt, is credibility.

The broker or bank in question needs to be trustworthy and have satisfied customers.

However, in addition to the credibility of the institution, other factors must be taken into account, such as:

Good infrastructure

Do some research to see if the institution has good customer bases and a solid structure.

After all, a company without good infrastructure will not be able to handle your money.

Service

The broker must provide good service, because at some point, you will have an important question about your investments.

In addition to answering questions quickly and effectively, the institution needs to convey security and credibility when serving customers.

Costs

It is not possible to avoid all costs and fees when investing.

However, there is the possibility of reducing the amount spent on these fees, which can compromise the returns on your investments.

Therefore, you need to analyze each brokerage firm to know exactly what is or isn't charged by each one. The main ones are:

• Brokerage fee: charged to carry out operations on the stock exchange

• Custody fee: the amount the broker charges to keep your money there

• Account opening and maintenance fee: There are brokers that charge fees for opening and maintaining your account

The best financial institutions to invest in Tesouro Direto

Now that you know what to take into account when choosing an institution to invest in, Treasury Direct, it's time to find out about the best options on the market. Check it out:

1. Bull

Toro Investimentos is one of the best stockbroker options in Brazil.

It is safe, credible and has a wide variety of financial products. 

In addition, the company provides quality content for those who want to understand more about the world of investments. For this reason, it is a great option for beginner investors.

The brokerage's team has more than 200 professionals and has taught thousands of people how to invest in recent years.

At Toro, you don't pay any brokerage fees.

2. Nu Invest

In September 2020, Nubank purchased the securities brokerage Easynvest.

And Nu Invest is Nubank's investment platform.

When you register on the platform, you have access to a large number of financial products that are not available in a traditional account.

Although Nu Invest is relatively new to the market, it is a well-established platform and has a great reputation among investors.

3. Rich

Rico is one of the largest stockbrokers in Brazil.

The company offers investments for all investor profiles and several other benefits, such as content on fixed income, variable income, etc.

In July 2017, Rico eliminated administration and custody fees for investments in government bonds. The brokerage made this decision to encourage beginner investors to invest in Tesouro Direto.

4. Modal

If you want to get out of savings and thus make your money start to yield more, it's time to get to know the digital bank Modal.

The company stands out for its zero or low rates.

Furthermore, Modal is considered an extremely safe digital bank to start investing in Tesouro Direto.

Another advantage of Modal is the number of financial products you have at your disposal when you open your account.

5. XP Investments

XP Investimentos is also considered one of the main stockbrokers in Brazil.

Currently, the company has around 3 million active customers.

For those who want practicality and convenience when investing in Tesouro Direto, XP is an excellent option.

And if you want to learn more about the world of investments, it’s worth accessing the free content provided by the brokerage firm.

6. Orama

For those who want to invest in one of the safest applications in Brazil, it is worth getting to know Órama better.

In 2018 and 2019, the company was considered the best brokerage in Brazil.

And in 2020, the best broker to start in the world of investments.

The company recently stopped charging brokerage fees, which made it even more advantageous for beginner investors.

One of Órama’s main differentiators is its personalized service.

7. BTG Pactual

BTG Pactual is considered the largest investment bank in Latin America.

For this reason, it is a great option for those who want to start investing in Tesouro Direto safely and conveniently.

The company also offers profitability simulation for Tesouro Direto and quality content for those who intend to start investing this year.

In addition to having an excellent platform and offering quality service, its catalog of fixed income products and investment funds is extremely diversified.

What is Tesouro Direto and what are the types?

Tesouro Direto is an initiative of the Brazilian National Treasury Secretariat in partnership with B3.  

This program was launched in 2002 and its main objective is to enable the sale and purchase of federal public bonds by individuals over the internet.

When a person buys a government bond, they are lending money to the government, so that in the future, it is possible to redeem this amount plus interest. 

The money that the government borrows, in turn, is used to invest in health, infrastructure, education, etc. 

There are three types of government bonds for sale at Tesouro Direto: fixed-rate, post-fixed and hybrid.

See below the main difference between each of them.

Prefixed

With fixed-rate bonds, you know exactly how much you will receive at the end of the redemption, as long as you respect the product's maturity date.

Post-fixed

The remuneration criteria are clear, however, you will only know exactly the total return on investment at the time of redemption. 

This is because these products are linked to a fickle index. 

Hybrid

Hybrid government bonds, in turn, have part of the return defined at the time of purchase and the other part is linked to inflation variation, that is, it is only known at the time of redemption.

The part linked to inflation variation is measured by the IPCA.

You can choose a type of Treasury Direct that is ideal for your goals. See below.

Which bank does not charge a fee to invest in Tesouro Direto? 

When it comes to investment, we know that some actions can positively influence the profitability of our investments. 

It is very important to choose brokers with the lowest fees on the market to save money. 

Among the fees charged by these companies, there is the administration fee for clients who invest in Tesouro Direto.

However, in the current market it is possible to find many banks and brokers that offer exemption from this fee, for example:

• Inter Bank;
• Bradesco;
• Federal Savings Bank;
• Bank of Brazil;
• BBM Bank;
• Banrisul;
• Itau;
• Harvest;
• Santander;
• Votorantim
• XP Investment.

In fact, most banks and brokers no longer charge fees for those who invest in Tesouro Direto, above we have listed just a few examples.

The complete and updated list can be found on the National Treasury website. 

Is it possible to invest in Tesouro Direto through Caixa Econômica?

At Caixa Econômica Federal, you can invest in Tesouro Direto with zero fees. This way, the custody fee will no longer be a burden on your investments.

This bank operates in the market as a custody agent, that is, it activates your registration and enables you to start purchasing or redeeming government bonds.

To start applying through Caixa, first of all, you need to have a current account at the bank. 

Then, simply register with Tesouro Direto at your Caixa branch or via Internet Banking.

To clear up any doubts you may have about investing in Tesouro Direto through Caixa, access the bank's website. 

How to invest in Tesouro Direto through a bank or brokerage?

The first step is to choose the best bank or brokerage. There are many great alternatives on the market, so it won’t be difficult to choose where to start. 

You can start with your bank if it offers investment options. If it doesn't, choose a bank or brokerage that doesn't charge a custody fee.

The next step is to inform the broker that you wish to invest in Tesouro Direto, so that they can register with the National Treasury.

After completing your registration, you will receive an access password to log into the Tesouro Direto platform.

Now, you need to choose the title that best meets your goals, you received a hint in the table above.

Once you decide which title you will start investing in, define the amount you wish to invest and make the transfer to the institution. 

Then, access the platform and place the purchase order. From that moment on, you will be the newest investor in Tesouro Direto in Brazil!

If you encounter any difficulties, don't worry, contact the bank or broker, as they will answer your main questions. 

Is it safe to invest in Tesouro Direto?

Every investment involves some percentage of risk, no matter how small. Despite this, it is safe to invest in Tesouro Direto. 

In fact, it is considered one of the safest investments on the market. The possibility of the government defaulting on its domestic debt is minimal, if not zero.

What is the best Treasury Direct at the moment?

According to data from the National Treasury, the public bonds most sought after by investors are the Tesouro Selic bonds. 

The share of sales of these bonds reached 49.4%. Second place is occupied by IPCA+ Treasury bonds, which correspond to 37.7% of sales. 

Despite these numbers, it is very important to evaluate before choosing. Tesouro Direto is a safe investment that can be acquired without the need to be an investment expert.

Furthermore, you don't need much to get started, with just R$30.00 you can already be an investor in Tesouro Direto.

Another advantage of this program is that it is flexible, you can choose the titles according to your goals and needs. 

Certainly, a great alternative to diversify your portfolio and make it safer. 

Conclusion

Now you know which are the best financial institutions to invest in Tesouro Direto.

In fact, if you intend to invest in other types of fixed income, or if you want to enter the Stock Exchange, it is also worth getting to know the companies mentioned in this article better.

To invest in Tesouro Direto, it is necessary to define financial objectives, create an investment strategy and establish a deadline for withdrawing the invested amount.