Tesouro Direto launches bond aimed at women: learn about Tesouro Educa+ 

In January 2024, Tesouro Educa+ Mulher was launched, an initiative of Bank of Brazil and Tesouro Direto to help women who want to know more about education and financial planning.

This initiative reflects a growing effort to promote financial inclusion and female empowerment, recognizing the importance of offering investment options adapted to women's demands and preferences.

Today we are going to understand more about this form of investment and how it works, but let's start by understanding what direct treasury is.

What is direct treasury?

O Treasury Direct It is a program of the National Treasury, in partnership with the Brazilian Stock Exchange (B3), which allows the purchase and sale of federal public bonds by individual investors via the internet.

These titles are issued by the Brazilian government with the aim of helping to raise financial resources that can finance activities and projects.

Tesouro Direto has public bonds that are considered the safest types of investments on the market, as they are guaranteed by the federal government.

They are classified as fixed income investments, since from the very beginning you will know the remuneration conditions, as well as their term and interest rate.

For many people this is a more accessible and safer way to start investing, perhaps even a type of test so that you can start with low amounts and understand how it works.

Furthermore, the entire title purchase and simulation process can be done online so that you can be sure of how it works and for even more convenience.

What is the Educa+ Women's Treasury?

Launched for women, the Tesouro Educa+ was created by Tesouro Direto and Banco do Brasil. It is a public bond that offers a certain higher return than the traditional Tesouro Educa+, launched in 2023.

It is a safe investment, similar to the national treasury which is guaranteed by the federal government, it is a type of fixed income investment.

The profitability offered is IPCA + 6.17% per year, while the traditional IPCA+ Treasury offers IPCA + 5.68% per year.

Therefore, when you invest in Tesouro Educa+, your profitability is made up of the variation of the IPCA (inflation) plus a fixed interest rate of 6.17% per year.

It has a slightly higher rate than the traditional Tesouro Direto in order to attract its target audience, which are women, an audience that is still a minority in the financial market.

Still thinking about the public, the investment is more accessible, allowing you to invest from R$$35 reais. It also has flexibility, since you are the one who will choose the amount and date to invest.

Furthermore, women who invest from R$35 reais in this specific title will be automatically included in the 'BB Seguro de Vida Mais Mulher' policy, which is valid for one year.

Through this insurance, women will be financially protected in case they have any unforeseen events related to their lives during this one year of protection.

In other words, there is financial protection in the event of accidental or natural death, or total permanent disability due to an accident.

Therefore, in the event of death, the insurance will offer support to the woman, offering care and a basic food basket worth up to R$$250 per month.

And finally, if you invested in this title by joining the campaign to value women in the financial market, you will receive free and frequent content related to financial education on WhatsApp that is relevant.

However, it is important to mention that this campaign, which started on 1/16, will only last until the end of February, so make your investment until 2/29.

Who can invest in the Educa+ Mulher Treasury?

The target audience for this investment is mainly women, aged 16 to 75, especially those who want to invest in their own education and their future. This is a great opportunity for those who want to learn more about the subject.

Parents and guardians of young teenagers aged 16 and over will also be able to invest for them, but the idea is more than guaranteeing a better future, it is to teach them about the financial market, to generate autonomy in related areas.

Why invest in the Educa+ Mulher Treasury?

This direct treasury option is a great investment option as it has a higher profitability than the traditional one, so in the long term your money will have a greater return when the term ends.

Furthermore, the Tesouro Educa+ Mulher program is an investment with social impact, which was created to contribute to the future of women and girls, enabling them to conquer their space in the financial market, achieving their goals and dreams.

It is also a more flexible way of saving your money, where you choose the amount you want to invest, when and the investment date that best aligns with your future plans.

Not to mention security, since the title is guaranteed by the Brazilian government, it is considered very low risk.

How to invest?

To be able to invest in Treasury Direct Educa+ woman, you need to open an account on the Tesouro Direto website and select that specific title in question.

When investing, just choose the amount and date on which it will be invested, as well as the maturity date of the security you want.

Then just confirm the transaction and you will have made your investment that will contribute to the future of women and girls.

We must remind those interested in this investment that it is long-term, so its validity can last until the year 2045, so despite being guaranteed, it is not money that you will have access to quickly.

And after investing, the title will have a grace period in which it is not possible to move the money for 60 days.

Now that you know all about Tesouro Educa+ Mulher, tell other women and let them know that it is much easier to enter the financial market and prepare for your future.

It is important that more and more women conquer their space in the market and financial autonomy in their lives.