How to invest in Clear fixed income?
Find out if it's worth investing in Clear fixed income!
Announcements
Many investors looking for reliable brokers in the market want to know whether it is worth investing in Clear fixed income and what investments are available.
With this in mind, we've created an article to explain a little more about this brokerage firm. Read on to find out more!
Is Clear reliable?
Clear, which belongs to the XP group, is an independent broker focused on variable income and is considered reliable and safe for investments.
It has a dynamic and modern platform, which appeals to many investors.
In addition, the annual brokerage cost at Clear is zero, regardless of the product you choose to trade.
It is important to mention that this broker is regulated by the Securities and Exchange Commission (CVM) and has the CETIP Certifica seal, guaranteeing that financial investments are registered in the name of the investor, be it a CPF or CNPJ.
Is it possible to invest in Clear fixed income?
Currently, Tesouro Direto is Clear's only fixed-income investment option.
Therefore, if your goal is to invest in CDBs or letters of credit, Clear is not a good option, as it does not offer a variety of fixed income products.
However, if you want to invest in Tesouro Direto or variable income, it's worth considering this brokerage firm, as it's a reliable company with over 1 million active clients.
What is Tesouro Direto?
Tesouro Direto is a National Treasury program developed in partnership with B3 to sell federal government bonds to individuals.
Launched in 2002, the program was designed to facilitate access to public securities. Today, with just over R$ 30, you can start investing in Tesouro Direto.
The Brazilian government's National Treasury issues public bonds, which are fixed-income assets.
This means that by investing in Tesouro Direto, you are actually lending your money to the government in exchange for a return.
It is an investment alternative that offers good returns and daily liquidity. It is also considered one of the safest investments on the market.
What are the main Treasury Direct securities?
There are different types of government bonds available on the market.
And if you want to invest in Treasury Direct, you need to know this, because each of the securities has its own operating characteristics.
The main government bonds are
1. fixed-rate Treasury
The Prefixed Treasury is a fixed-income security with interest determined at the time of contracting.
In other words, when you lend your money to the government, you know exactly how much you will receive when the bond matures.
For this reason, fixed-rate Treasury bonds are recommended for conservative and inactive investors.iciants.
However, the fixed percentage yield is only guaranteed if you wait until the bond's maturity date to redeem it.
If, for some reason, you decide to withdraw the money before the deadline, there's no problem, because as you already know, Treasury Direct is a highly liquid investment.
However, for early redemptions, the combined fixed-rate yield is not taken into account.
You see, if you choose to sell your bonds early, the Treasury will only pay you the market value.
As a result, the profitability may be less attractive than that established at the time of acquisition.
For this reason, if you want to invest in the Prefixed Treasury, the ideal is to wait until the bond matures before redeeming it.
2. Selic Treasury
The Selic Treasury is a bond issued by the National Treasury linked to the Selic Rate, the basic interest rate, which currently stands at 11.75% per year (March 2022).
It is a post-fixed yield bond. In other words, the remuneration criterion is defined, but not the exact percentage, which depends on the rate variation.
The reason, as you already know, is that this public bond is linked to an economic indicator that can fluctuate. In fact, the Selic rate has fluctuated a lot in recent months.
When the Selic rate rises, the Selic Treasury becomes more attractive.
IPCA+ Treasury
The profitability of the IPCA+ Treasury, as the name implies, is linked to the IPCA, Brazil's main inflation index.
It's a hybrid bond, as part of its remuneration is post-fixed (it follows the variation in the IPCA) and the other part is pre-fixed.
It's a good long-term investment option, as it prevents your money from depreciating over time.
How to invest in Tesouro Direto through Clear?
Now that you know what Tesouro Direto is, it's time to find out how to start investing in public bonds.
In fact, at Clear, the custody fee for investing in Tesouro Direto is zero!
The first step to start investing is to create your Clear account.
But it is also very important that you know what your investor profile is, so that you can choose the investments that best suit your objectives.
Tesouro Direto is a fixed-income investment. It is therefore recommended for conservative investors (with a low risk tolerance) and beginners, as it is an affordable investment.
However, if you have a moderate or bold profile and want to diversify your portfolio, Treasury Direct could also be a good option for you.
With this information in hand, you can search for the titles that best suit your profile and objectives.
In the Clear trading pit, follow these steps: Operations > Fixed Income > Treasury.
Select the title you have chosen. Click on apply and finally choose the value.
It is important to remember that investing in Tesouro Direto involves some costs, such as the custody fee charged by B3, of 0.30% per year on the amount invested, Income Tax and IOF (charged only if you redeem the investment in less than 30 days).
Conclusion
Investing in Clear fixed income is safe, practical and affordable.
After all, the broker has an excellent reputation in the market and belongs to the XP Investimentos Group
So if you want to become a Treasury Direct investor, it's worth creating a brokerage account!
