{"id":24110,"date":"2022-03-31T21:58:49","date_gmt":"2022-03-31T18:58:49","guid":{"rendered":"https:\/\/valorizei.com\/?p=24110"},"modified":"2025-03-27T15:21:20","modified_gmt":"2025-03-27T12:21:20","slug":"como-investir-na-renda-fixa-clear","status":"publish","type":"post","link":"https:\/\/valorizei.com\/en\/como-investir-na-renda-fixa-clear\/","title":{"rendered":"How to invest in Clear fixed income?"},"content":{"rendered":"

Find out if it's worth investing in Clear fixed income!<\/strong><\/p>\n\n\n\n

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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.<\/p>\n\n\n\n

With this in mind, we've created an article to explain a little more about this brokerage firm. Read on to find out more!<\/p>\n\n\n\n

\"como<\/figure>\n\n\n\n

Is Clear reliable?<\/strong><\/h2>\n\n\n\n

Clear, which belongs to the XP group, is an independent broker focused on variable income and is considered reliable and safe for investments.<\/strong><\/p>\n\n\n\n

It has a dynamic and modern platform, which appeals to many investors.<\/p>\n\n\n\n

In addition, the annual brokerage cost at Clear is zero, regardless of the product you choose to trade.<\/p>\n\n\n\n

It is important to mention that this broker is regulated by the Securities and Exchange Commission (CVM)<\/a> and has the CETIP Certifica seal, guaranteeing that financial investments are registered in the name of the investor, be it a CPF or CNPJ.<\/p>\n\n\n\n

Is it possible to invest in Clear fixed income?<\/strong><\/h2>\n\n\n\n

Currently, Tesouro Direto is Clear's only fixed-income investment option.<\/strong><\/p>\n\n\n\n

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.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

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

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

Tesouro Direto is a National Treasury program developed in partnership with B3 to sell federal government bonds to individuals.<\/strong><\/p>\n\n\n\n

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.<\/p>\n\n\n\n

The Brazilian government's National Treasury issues public bonds, which are fixed-income assets.<\/p>\n\n\n\n

This means that by investing in Tesouro Direto, you are actually lending your money to the government in exchange for a return.<\/p>\n\n\n\n

It is an investment alternative that offers good returns and daily liquidity. It is also considered one of the safest investments on the market.<\/p>\n\n\n\n

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What are the main Treasury Direct securities?<\/strong><\/h2>\n\n\n\n

There are different types of government bonds available on the market.<\/strong><\/p>\n\n\n\n

And if you want to invest in Treasury Direct, you need to know this, because each of the securities has its own operating characteristics.<\/p>\n\n\n\n

The main government bonds are<\/p>\n\n\n\n

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1. fixed-rate Treasury<\/strong><\/h3>\n\n\n\n

The Prefixed Treasury is a fixed-income security with interest determined at the time of contracting.<\/p>\n\n\n\n

In other words, when you lend your money to the government, you know exactly how much you will receive when the bond matures.<\/p>\n\n\n\n

For this reason, fixed-rate Treasury bonds are recommended for conservative and inactive investors.<\/strong>iciants.<\/strong><\/p>\n\n\n\n

However, the fixed percentage yield is only guaranteed if you wait until the bond's maturity date to redeem it.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

However, for early redemptions, the combined fixed-rate yield is not taken into account.<\/p>\n\n\n\n

You see, if you choose to sell your bonds early, the Treasury will only pay you the market value.<\/p>\n\n\n\n

As a result, the profitability may be less attractive than that established at the time of acquisition.<\/p>\n\n\n\n

For this reason, if you want to invest in the Prefixed Treasury, the ideal is to wait until the bond matures before redeeming it.<\/p>\n\n\n\n

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2. Selic Treasury<\/strong><\/h3>\n\n\n\n

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).<\/strong><\/p>\n\n\n\n

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.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

When the Selic rate rises, the Selic Treasury<\/a> becomes more attractive.<\/p>\n\n\n\n

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

The profitability of the IPCA+ Treasury, as the name implies, is linked to the IPCA, Brazil's main inflation index.<\/strong><\/p>\n\n\n\n

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.<\/p>\n\n\n\n

It's a good long-term investment option, as it prevents your money from depreciating over time.<\/p>\n\n\n\n

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How to invest in Tesouro Direto through Clear?<\/strong><\/h2>\n\n\n\n

Now that you know what Tesouro Direto is, it's time to find out how to start investing in public bonds.<\/strong><\/p>\n\n\n\n

In fact, at Clear, the custody fee for investing in Tesouro Direto is zero!<\/p>\n\n\n\n

The first step to start investing is to create your Clear account.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

With this information in hand, you can search for the titles that best suit your profile and objectives.<\/p>\n\n\n\n

In the Clear trading pit,<\/a> follow these steps: Operations > Fixed Income > Treasury.<\/p>\n\n\n\n

Select the title you have chosen. Click on apply and finally choose the value.<\/p>\n\n\n\n

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).<\/p>\n\n\n\n

\"principais<\/figure>\n\n\n\n

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

Investing in Clear fixed income is safe, practical and affordable.<\/p>\n\n\n\n

After all, the broker has an excellent reputation in the market and belongs to the XP Investimentos Group<\/p>\n\n\n\n

So if you want to become a Treasury Direct investor, it's worth creating a brokerage account!<\/p>","protected":false},"excerpt":{"rendered":"

Saiba se vale a pena investir em renda fixa Clear! Muitos investidores que procuram por corretoras confi\u00e1veis no mercado, desejam saber se vale a pena investir em renda fixa Clear e quais s\u00e3o os investimentos dispon\u00edveis. Pensando nisso, criamos um artigo para te explicar um pouco mais sobre essa corretora de valores. Continue a leitura… Continuar lendo<\/a><\/p>","protected":false},"author":21,"featured_media":24113,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"","_seopress_titles_desc":"Saiba se vale a pena investir em renda fixa Clear, separamos um conte\u00fado completo com os detalhes dos investimentos, confira!","_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":"renda fixa clear","footnotes":""},"categories":[7],"tags":[],"class_list":["post-24110","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\/24110","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=24110"}],"version-history":[{"count":19,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/24110\/revisions"}],"predecessor-version":[{"id":30456,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/24110\/revisions\/30456"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media\/24113"}],"wp:attachment":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media?parent=24110"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/categories?post=24110"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/tags?post=24110"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}