{"id":23537,"date":"2022-02-24T21:10:26","date_gmt":"2022-02-24T18:10:26","guid":{"rendered":"https:\/\/valorizei.com\/?p=23537"},"modified":"2025-02-27T13:21:50","modified_gmt":"2025-02-27T10:21:50","slug":"tesouro-direto-e-tesouro-selic","status":"publish","type":"post","link":"https:\/\/valorizei.com\/en\/tesouro-direto-e-tesouro-selic\/","title":{"rendered":"Tesouro Direto and Tesouro Selic: everything you need to know"},"content":{"rendered":"

What is Tesouro Direto and Tesouro Selic?<\/strong><\/p>\n\n\n\n

\n\n\n\n

Is Tesouro Direto and Tesouro Selic the same thing?<\/p>\n\n\n\n

In fact, Tesouro Direto is the National Treasury program developed in partnership with B3 for the sale of federal public bonds to individuals.<\/p>\n\n\n\n

The Tesouro Selic is one of the three Tesouro Direto bonds.<\/p>\n\n\n\n

Due to its high level of security, practicality and liquidity, the Tesouro Selic is one of the most interesting investments for those interested in fixed income.<\/p>\n\n\n\n

And if you want to know more about the subject, so that you can invest in government bonds, you are in the right place.<\/p>\n\n\n\n

Below, check out the main features of Tesouro Direto and one of its bonds, Tesouro Selic.<\/p>\n\n\n\n

\"tesouro<\/figure>\n\n\n\n

What is Tesouro Direto?<\/strong><\/h2>\n\n\n\n

Basically, when you buy a government bond, you are lending your money to the government.<\/strong><\/p>\n\n\n\n

The process works as follows.<\/p>\n\n\n\n

The government issues a fixed income security that is added to the Tesouro Direto platform.<\/p>\n\n\n\n

The investor will create an account on the website to have access to the available assets.<\/p>\n\n\n\n

After creating an account, the investor will transfer the capital needed to invest. This way, the investor can choose the security that best suits their profile and goals.<\/p>\n\n\n\n

Finally, the investor defines the value and makes the investment.<\/p>\n\n\n\n

Tesouro Direto works with three types of bonds:<\/p>\n\n\n\n

\u2022 Prefixed Treasury<\/p>\n\n\n\n

\u2022 Treasury Selic<\/p>\n\n\n\n

\u2022 IPCA Treasury<\/p>\n\n\n\n

It is important to mention that the process is done entirely online. In other words, you do not need to leave your home at any time to acquire the assets!<\/p>\n\n\n\n

\n\n\n\n

What is Tesouro Selic?<\/strong><\/h2>\n\n\n\n

The Tesouro Selic is a type of investment that belongs to the universe of public bonds, as it is issued by the government.<\/strong><\/p>\n\n\n\n

It has this name because its remuneration is linked to the Selic, which is Brazil's basic interest rate. In this way, it follows the variation of the Selic.<\/p>\n\n\n\n

This means that we are talking about an investment with a fixed profitability.<\/p>\n\n\n\n

As it offers great security and daily liquidity, this investment is recommended for those who want to set up a emergency reserve<\/a> or set short-term goals.<\/p>\n\n\n\n

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How does the Selic Treasury work?<\/strong><\/h2>\n\n\n\n

As it is a fixed income application, the investment follows the same dynamics as financial products in this category.<\/strong><\/p>\n\n\n\n

To help you better understand Tesouro Direto and Tesouro Selic, we will give a very practical example.<\/p>\n\n\n\n

Imagine that you are thinking about taking out a loan from the bank. In this case, everyone knows that the financial institution will charge an interest rate, right?<\/p>\n\n\n\n

The idea of investing in Tesouro Direto is basically the same. However, now you are the person providing the capital needed for the operation. Therefore, you will also receive a remuneration, which is the interest!<\/p>\n\n\n\n

\"cita\u00e7\u00e3o\"<\/figure>\n\n\n\n

What is the yield on Tesouro Direto?<\/strong><\/h2>\n\n\n\n

The annual profitability corresponds to 100% of the Selic rate for the period.<\/strong><\/p>\n\n\n\n

Therefore, the monthly income is equivalent to dividing it by the months of the year.<\/p>\n\n\n\n

Consider the base rate at 10.75% per year. Divide it by 12 and the gross return will be 0.89% per month.<\/p>\n\n\n\n

\n\n\n\n

How much does R$ 500 yield in the Selic Treasury?<\/strong><\/h3>\n\n\n\n

If you want to get out of savings, the Tesouro Selic is a great option!<\/strong><\/p>\n\n\n\n

After all, through this investment, you can obtain a more advantageous return, but without giving up security, something fundamental for those who invest in fixed income!<\/p>\n\n\n\n

And to make calculating profitability simpler, let's give an example.<\/p>\n\n\n\n

Imagine that you have R$ 500 to invest in Tesouro Selic. What would be the profitability of the investment?<\/p>\n\n\n\n

Currently, the Selic rate is 10.75% per year.<\/p>\n\n\n\n

As an example for the simulation, we will use the title \u201cSelic Treasury 2025\u201d.<\/strong><\/p>\n\n\n\n

Its profitability is SELIC + 0.0655% and the maturity date is 03\/01\/25.<\/p>\n\n\n\n

As the initial amount invested was R$ 500, on the final maturity date, you will have R$ 623.90 in total (IR discount already applied).<\/p>\n\n\n\n

It is important to remember that you can withdraw the invested amount whenever you want. However, to obtain the mentioned return, you must wait until the final date arrives.<\/p>\n\n\n\n

Furthermore, despite the annual visibility, remember that the Tesouro Selic offers daily remuneration.<\/p>\n\n\n\n

\n\n\n\n

How much does R$ 1000 yield in Tesouro Selic?<\/strong><\/h2>\n\n\n\n

To make it easier to understand, we will use the same example from the previous topic, but with a different value.<\/strong><\/p>\n\n\n\n

Well, how much would you have on the final maturity date if you invested the amount of R$ 1000 in the Tesouro Selic 2025?<\/p>\n\n\n\n

The gross amount would be R$ 1,291.53. But because of Income Tax (the discounted amount would be R$ 43.73), you would receive a little less.<\/p>\n\n\n\n

In this case, when redeeming the amount on 03\/01\/2025, the total amount you will receive will be R$ 1247.80.<\/p>\n\n\n\n

\n\n\n\n

What are the other types of Treasury Direct bonds?<\/strong><\/h2>\n\n\n\n

As we said at the beginning of the article, there are three types of Treasury Direct bonds.<\/strong><\/p>\n\n\n\n

In addition to the Tesouro Selic, there is the IPCA and the prefixed. Learn more about these options:<\/p>\n\n\n\n

\n\n\n\n

IPCA Treasury<\/strong><\/h3>\n\n\n\n

The IPCA Treasury is an investment product whose profitability is linked to inflation.<\/strong><\/p>\n\n\n\n

Its index is the IPCA \u2014 Broad National Consumer Price Index.<\/p>\n\n\n\n

As it is linked to inflation, when you buy this bond, you will not know exactly how much you will receive on the maturity date (but you can run a simulation on the Tesouro Direto website).<\/p>\n\n\n\n

In other words, it is possible to have an estimate, as long as, of course, you do not withdraw the money before the due date.<\/p>\n\n\n\n

\n\n\n\n

Prefixed Treasury<\/strong><\/h3>\n\n\n\n

The fixed-rate Treasury Direct is a Fixed Income security with interest rates determined at the time of contracting.<\/p>\n\n\n\n

This means that when you lend your money to the government, you will know exactly how much you will receive at the end of the term of the bond.<\/p>\n\n\n\n

\"6<\/figure>\n\n\n\n

Conclusion<\/strong><\/h2>\n\n\n\n

Now you know what Tesouro Direto and Tesouro Selic are!<\/p>\n\n\n\n

If you want to avoid low savings yields, Treasury Direct bonds are good options for diversifying your investment portfolio.<\/p>\n\n\n\n

However, before making any investment, make sure that the application is aligned with your investor profile and your financial goals.<\/p>","protected":false},"excerpt":{"rendered":"

O que \u00e9 Tesouro Direto e Tesouro Selic? Tesouro Direto e Tesouro Selic \u00e9 a mesma coisa? Na verdade, Tesouro Direto \u00e9 o programa do Tesouro Nacional desenvolvido em parceria com a B3 para a venda de t\u00edtulos p\u00fablicos federais para pessoas f\u00edsicas. J\u00e1 o Tesouro Selic, \u00e9 um dos tr\u00eas t\u00edtulos do Tesouro Direto.… Continue reading<\/a><\/p>","protected":false},"author":21,"featured_media":23539,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"%%title%% %%page%%","_seopress_titles_desc":"Quer saber o que \u00e9 Tesouro Direto e Tesouro Selic? Veja este conte\u00fado at\u00e9 o final e descubra a diferen\u00e7a entre esses t\u00edtulos p\u00fablicos.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"tesouro direto e tesouro selic","footnotes":""},"categories":[7],"tags":[],"class_list":["post-23537","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investimentos"],"_links":{"self":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/23537","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/comments?post=23537"}],"version-history":[{"count":8,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/23537\/revisions"}],"predecessor-version":[{"id":30507,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/23537\/revisions\/30507"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media\/23539"}],"wp:attachment":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media?parent=23537"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/categories?post=23537"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/tags?post=23537"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}