{"id":42014,"date":"2025-10-14T01:01:10","date_gmt":"2025-10-13T22:01:10","guid":{"rendered":"https:\/\/valorizei.com\/?p=42014"},"modified":"2025-10-15T21:08:10","modified_gmt":"2025-10-15T18:08:10","slug":"cdb-ou-tesouro-direto-onde-investir-r-1-000-ainda-este-ano","status":"publish","type":"post","link":"https:\/\/valorizei.com\/en\/cdb-ou-tesouro-direto-onde-investir-r-1-000-ainda-este-ano\/","title":{"rendered":"CDB or Tesouro Direto: where to invest R$1,000 this year?"},"content":{"rendered":"<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"2240\" height=\"1260\" src=\"https:\/\/valorizei.com\/wp-content\/uploads\/2025\/10\/CDB-ou-Tesouro-Direto.webp\" alt=\"CDB ou Tesouro Direto\" class=\"wp-image-42017\" style=\"width:766px;height:auto\" srcset=\"https:\/\/valorizei.com\/wp-content\/uploads\/2025\/10\/CDB-ou-Tesouro-Direto.webp 2240w, https:\/\/valorizei.com\/wp-content\/uploads\/2025\/10\/CDB-ou-Tesouro-Direto-1536x864.webp 1536w, https:\/\/valorizei.com\/wp-content\/uploads\/2025\/10\/CDB-ou-Tesouro-Direto-2048x1152.webp 2048w, https:\/\/valorizei.com\/wp-content\/uploads\/2025\/10\/CDB-ou-Tesouro-Direto-18x10.webp 18w, https:\/\/valorizei.com\/wp-content\/uploads\/2025\/10\/CDB-ou-Tesouro-Direto-711x400.webp 711w, https:\/\/valorizei.com\/wp-content\/uploads\/2025\/10\/CDB-ou-Tesouro-Direto-507x285.webp 507w, https:\/\/valorizei.com\/wp-content\/uploads\/2025\/10\/CDB-ou-Tesouro-Direto-100x56.webp 100w\" sizes=\"auto, (max-width: 2240px) 100vw, 2240px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The choice between <strong>CDB or Direct Treasury<\/strong> is, historically, the first major dilemma for those who start investing in fixed income in Brazil. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With R$ 1,000, it&#039;s natural to seek maximum profitability with the security that your conservative profile demands.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In 2025, we&#039;re living in a climate of high interest rates, making this decision more crucial than ever. It&#039;s important to understand the nuances of each investment to optimize your money.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Knowing where to invest your first R$ 1,000 before the end of the year can define your financial future and your relationship with the market. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We will analyze the advantages, risks, and liquidity of each asset, from the perspective of the current Selic rate level and the security of the FGC. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This comprehensive guide will help you make an informed and strategic decision, going beyond the basics.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Summary<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>What is CBD and how will it position itself in 2025?<\/li>\n\n\n\n<li>How does the FGC protect your CDB investment?<\/li>\n\n\n\n<li>What is Tesouro Direto and what is its current relevance?<\/li>\n\n\n\n<li>Why is the Selic rate crucial for Tesouro Direto?<\/li>\n\n\n\n<li><strong>CDB or Direct Treasury<\/strong>: What is the best choice for R$ 1.000?<\/li>\n\n\n\n<li>How to choose the ideal title <strong>CDB or Direct Treasury<\/strong>?<\/li>\n\n\n\n<li>What precautions should I take when investing in fixed income today?<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">What is CBD and how will it position itself in 2025?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The Bank Certificate of Deposit, the famous CDB, represents a loan you make to the financial institution. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When you buy a loan, you lend money to the bank, receiving interest in return. It serves as a way for the bank to raise funds to finance its own lending activities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to recent data, CDBs have become a favorite among Brazilians due to their variety of terms and attractive rates. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many smaller banks, in need of funding, offer CDI percentages (close to Selic) above 100%. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In a year like 2025, with the Selic rate raised to 15% per year, post-fixed bonds stand out in terms of profitability.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can find fixed-rate CDBs, where the interest rate is set at the time of application, offering predictability. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Others are post-fixed, pegged to the CDI, ideal for the current environment of high interest rates and uncertainty. The hybrid option, which combines the IPCA with a fixed rate, protects your money from inflation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Its flexibility, especially regarding the daily liquidity offered by some issuers, makes CDB an excellent option for your emergency fund. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, it&#039;s crucial to check the issuing bank&#039;s reliability, as high profitability may indicate greater risk. Remember that the money is locked in until maturity to guarantee the agreed rate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read more:<a href=\"https:\/\/valorizei.com\/en\/investimentos-baseados-em-objetivos\/\"> Goal-Based Investing: How it Works and Benefits<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How does the FGC protect your CDB investment?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The guarantee of the Credit Guarantee Fund (FGC) is the main factor that provides security to CDBs and other bank securities. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The FGC works as a type of insurance, returning the invested amount if the financial institution goes bankrupt or undergoes intervention. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The guarantee covers up to R$250,000 per CPF or CNPJ per institution or financial conglomerate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The maximum FGC coverage limit is R$1 million per CPF or CNPJ, considering a period of four years. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This rule was implemented to encourage diversification and limit exposure to smaller or higher-risk banks. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In 2025, the FGC celebrated 30 years, reinforcing its central role in building trust in the National Financial System.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Recent regulations from the National Monetary Council (CMN) in August 2025 increased the liquidity requirement for banks with funding concentrated in guaranteed deposits. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This measure aims to mitigate risks and encourage more prudent management of bank liabilities. Therefore, the protection system has been improved, offering greater solidity to depositors.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">What is Tesouro Direto and what is its current relevance?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"2240\" height=\"1260\" src=\"https:\/\/valorizei.com\/wp-content\/uploads\/2025\/10\/CDB-ou-Tesouro-Direto-1.png\" alt=\"CDB ou Tesouro Direto\" class=\"wp-image-42018\" srcset=\"https:\/\/valorizei.com\/wp-content\/uploads\/2025\/10\/CDB-ou-Tesouro-Direto-1.png 2240w, https:\/\/valorizei.com\/wp-content\/uploads\/2025\/10\/CDB-ou-Tesouro-Direto-1-1536x864.png 1536w, https:\/\/valorizei.com\/wp-content\/uploads\/2025\/10\/CDB-ou-Tesouro-Direto-1-2048x1152.png 2048w, https:\/\/valorizei.com\/wp-content\/uploads\/2025\/10\/CDB-ou-Tesouro-Direto-1-18x10.png 18w, https:\/\/valorizei.com\/wp-content\/uploads\/2025\/10\/CDB-ou-Tesouro-Direto-1-711x400.png 711w, https:\/\/valorizei.com\/wp-content\/uploads\/2025\/10\/CDB-ou-Tesouro-Direto-1-507x285.png 507w, https:\/\/valorizei.com\/wp-content\/uploads\/2025\/10\/CDB-ou-Tesouro-Direto-1-100x56.png 100w\" sizes=\"auto, (max-width: 2240px) 100vw, 2240px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Tesouro Direto is the National Treasury&#039;s program for the sale of federal government bonds to individuals, with the aim of financing public debt. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In practice, you lend money to the Brazilian government, considered the lowest credit risk asset in the country. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Security lies in the government&#039;s ability to issue currency or raise taxes to meet its payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The great relevance of Tesouro Direto currently lies in its unparalleled security and liquidity, especially that of Tesouro Selic. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is ideal for short-term goals, such as your emergency fund, allowing withdrawals within one business day (D+1). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Other Treasury bonds offer inflation protection and fixed-rate returns over the long term.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">National Treasury bonds are divided into three main types: post-fixed (Tesouro Selic), prefixed (Tesouro Prefixado) and hybrid (Tesouro IPCA+). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The initial investment can be quite low, starting from R$ 30.00, democratizing access to the capital market for investors with R$ 1,000. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This accessibility and the government&#039;s sovereign guarantee are invaluable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tesouro Direto, however, may suffer from the so-called mark-to-market, especially fixed-rate and IPCA+ bonds redeemed in advance. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This means the bond&#039;s price fluctuates daily based on future interest rates. If you sell before maturity at an unfavorable time, you could incur a loss.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">+ <a href=\"https:\/\/valorizei.com\/en\/investir-o-dinheiro-da-restituicao-do-imposto-de-renda\/\">How to invest your Income Tax Refund money?&nbsp;<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Why is the Selic rate crucial for Tesouro Direto?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Selic rate, the economy&#039;s basic interest rate, is crucial because it serves as a direct reference for the Treasury Selic and an indirect reference for all other assets. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Treasury&#039;s Selic yield is tied to the variation of this rate plus a small fixed surcharge. With the Selic rate high, the return on this security is immediate and advantageous.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In September 2025, the Central Bank&#039;s Monetary Policy Committee (Copom) maintained the Selic rate at <strong>15% per year<\/strong>, one of the highest rates in two decades. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This high level was driven by persistent inflation and concerns about the country&#039;s public finances. These conditions create an excellent environment for floating-rate fixed income.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A Selic rate of 15% means that idle money yields much more, increasing the attractiveness of the Selic Treasury for security. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This high interest rate cycle makes fixed income investments more competitive compared to variable income. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You gain security and profitability at the same time, something rare in the market.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On the other hand, a high Selic rate also increases the cost of loans and slows down economic activity in general. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For investors, the current interest rate scenario allows them to accumulate wealth in low-risk assets, such as the Tesouro Selic. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Monitoring Copom&#039;s decisions every 45 days is vital to adjusting your strategy.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">CDB or Tesouro Direto: Which is the best choice for R$1,000?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The decision on where to invest your R$ 1,000, if in <strong>CDB or Direct Treasury<\/strong>, should be guided by your timeframe objective and liquidity needs. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Beginning investors often need money for emergency funds or very short-term goals. In these cases, liquidity is the deciding factor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Imagine you are building a wall (your asset) and you need two types of cement for the base. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A cement is the <strong>Selic Treasury<\/strong>, which dries quickly and allows you to access the base in an emergency. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The other is a <strong>CDB<\/strong> long-term, which hardens more slowly but offers superior resistance, i.e., greater profitability.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For your emergency reserve, the Tesouro Selic is unbeatable, offering daily liquidity and the country&#039;s maximum sovereign security. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You withdraw today and the money is deposited into your account tomorrow, without the risk of sudden devaluation. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Although some CDBs offer daily liquidity, they still carry the credit risk of the banking institution.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Now, if you have R$ 1,000 set aside for a medium-term goal, such as a down payment on a car in three years, the CDB may be superior. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can find a CDB from a medium-sized bank paying 110% of the CDI, locking in a higher return than the Treasury Selic. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this case, the FGC security fully covers your invested value of R$ 1,000.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Example 1 (Emergency Reserve):<\/strong> Maria has R$ 1,000 for savings and opted for the Treasury Selic. In September 2025, her car tire went flat, and she needed R$ 300 quickly. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In less than 24 hours, the money was available in the account, without having to suffer from mark-to-market or early redemption fees. Liquidity proved essential.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">+ <a href=\"https:\/\/valorizei.com\/en\/onde-investir-1000-reais\/\">Where to invest 1000 reais? Learn how to multiply your money!<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">How to choose the ideal CDB or Treasury Direct title?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Assessing the economic landscape and your own goals is crucial to determining which investment is right for you. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The high interest rate environment of 2025 favors fixed income, but the choice between bonds depends on your horizon. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For long-term and inflation protection, the IPCA+ Treasury is excellent and the profitability is real.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To choose the ideal CDB, check the rate offered (above 100% of the CDI is always better) and the maturity of the paper. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The longer the maturity date, the lower the Income Tax rate to be paid, reaching 15% after two years. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prioritize medium-sized or small banks that offer more aggressive rates, as the FGC guarantees security.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With Tesouro Direto, the choice is simpler: Tesouro Selic for the short term and liquidity, and Tesouro Prefixado or IPCA+ for the long term. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Remember that Tesouro Direto, unlike some CDBs, has a custody fee of 0.20% per year, charged by B3. Although small, it should be considered in the final calculation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The smartest thing to do is combine both options in your portfolio. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Treasury Selic serves as a liquidity base, and the CDB with a longer maturity allows capturing the highest rates. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Diversification minimizes risk and optimizes returns, protecting you from unforeseen events on both sides of the credit market.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Investment Indicator<\/th><th>Selic Treasury (post-fixed)<\/th><th>Post-Fixed CDB (110% CDI)<\/th><\/tr><\/thead><tbody><tr><td><strong>Security<\/strong><\/td><td>Sovereign Risk (Minimum)<\/td><td>Bank Credit Risk (FGC up to R$250,000)<\/td><\/tr><tr><td><strong>Estimated Profitability in 2025<\/strong><\/td><td>Approximately 15% per annum<\/td><td>Approximately 16.5% per annum<\/td><\/tr><tr><td><strong>Liquidity<\/strong><\/td><td>Daily (D+1)<\/td><td>Varies (Daily or Due)<\/td><\/tr><tr><td><strong>Recommended for<\/strong><\/td><td>Emergency Reserve<\/td><td>Medium\/Long Term Goals<\/td><\/tr><tr><td><strong>Long-Term IR (&gt; 720 days)<\/strong><\/td><td>15% on income<\/td><td>15% on income<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">What is the current data that validates this strategy?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The fixed income market in Brazil has reached a significant milestone, surpassing the <strong>100 million investors<\/strong> with a total volume exceeding R$ 2.9 trillion, according to B3 data from 2025. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This growth demonstrates confidence and the migration of resources from savings to more profitable assets.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This statistic validates Brazilian investors&#039; priority for security and attractive rates, which fixed-income assets provide. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A high interest rate environment encourages this search for guaranteed profitability.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">What precautions should I take when investing in fixed income today?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Even when investing in fixed income, which is generally safer, you need to take some essential precautions. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">First, never confuse liquidity with maturity, as a CDB can mature in 5 years but offer daily redemption. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, early redemption may result in lower than expected profitability.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Another crucial point is the correct application of Income Tax, which has a regressive table on income. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The longer the money remains invested, the lower the tax rate charged, being 22.5% for investments of up to 180 days. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The ideal is to keep the money invested for at least two years, reaching the rate of 15%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is essential to constantly monitor the credit risk of the CDB issuer. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Smaller banks pay higher rates because the market perceives a subtly higher risk.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Although the FGC covers the amount, no one wants to face the bureaucracy of using it. Always consult the financial institutions&#039; soundness reports.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Example 2 (Credit Risk):<\/strong> Jo\u00e3o, attracted by a CDB of 120% of the CDI with maturity in 4 years, invested R$ 1,000 in a small bank. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The bank faced liquidity problems and was liquidated by the Central Bank. Jo\u00e3o, whose balance was less than R$250,000, received his money back through the FGC, but the process took months. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The extra profitability did not compensate for the headache and waiting time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You should always prioritize your brokerage, ensuring that it is properly regulated and authorized by the Central Bank. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The reliability of the intermediary is as important as the security of the security itself. Stay informed about regulatory changes, such as the new FGC rules of 2025.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To learn more about the FGC&#039;s regulatory security and updates on deposit rules, you can consult the official website of the Credit Guarantee Fund, which holds the <strong>Authority<\/strong> on the subject. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O <strong>FGC<\/strong> is the maximum guarantee for CDBs. (Source: <a href=\"https:\/\/www.fgc.org.br\/\">FGC \u2013 Credit Guarantee Fund<\/a>).<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Given the interest rate scenario of 15% per year in 2025, fixed income is consolidated as an excellent option for investors with R$ 1,000.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O <strong>CDB or Direct Treasury<\/strong> are solid and safe choices, but their ideal application depends on your investment purpose. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For emergency reserves, with a focus on liquidity and low risk, the Treasury Selic prevails.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If your goal is medium or long term, and you&#039;re willing to lock up your money until maturity to seek a greater return, CDB stands out. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Options with 110% of the CDI, guaranteed by the FGC, offer a higher return than government bonds. Remember, the smart investor doesn&#039;t choose the &quot;best&quot; option, but rather the option most appropriate for the situation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The secret to financial success lies in the consistency of your strategy: diversify, respect your deadlines, and understand the security that the FGC and the National Treasury offer. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With R$ 1,000, you are already in the wealth multiplication game.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Have you ever stopped to think about how much your money is losing today sitting in your checking or savings account?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For current data on the Selic rate, the main indicator of the profitability of these assets, visit the official website of the Central Bank of Brazil. (Source: <a href=\"https:\/\/www.bcb.gov.br\/\">Central Bank of Brazil<\/a>).<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions (FAQs)<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Is R$ 1,000 enough to invest in CDB or Tesouro Direto?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, R$ 1,000 is more than enough to start investing in both modalities. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tesouro Direto allows minimum contributions starting from R$ 30.00, and many CDBs require only R$ 100.00 or R$ 500.00.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Which of the two has greater liquidity for immediate redemption?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Tesouro Selic offers the greatest liquidity for immediate redemption, with the money deposited into the account on D+1 (one business day). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Although some CDBs have daily liquidity, the Tesouro Selic has the government&#039;s guarantee and transparency.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Is the CDB that pays 120% of the CDI always better than the Treasury Selic?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It is not always better; it is more profitable, but it requires an analysis of the issuer&#039;s credit risk and the maturity of the security. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Selic Treasury has sovereign security, while the CDB has the FGC guarantee, but only up to R$ 250 thousand.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Should I worry about Income Tax when choosing between CDB or Tesouro Direto?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, both investments follow the same regressive income tax table, which is a crucial factor. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investing for more than 720 days guarantees the minimum rate of 15%, maximizing your net gains.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What is Mark-to-Market and how does it affect my choice?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mark-to-Market affects Treasury bonds, fixed-income and IPCA+ bonds, causing the price to vary daily. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It does not affect the Treasury Selic or post-fixed CDBs held until maturity, making it irrelevant in the short term.<\/p>","protected":false},"excerpt":{"rendered":"<p>A escolha entre CDB ou Tesouro Direto \u00e9, historicamente, o primeiro grande dilema de quem come\u00e7a a investir em renda fixa no Brasil. Com R$ 1.000, \u00e9 natural buscar o m\u00e1ximo de rentabilidade com a seguran\u00e7a que seu perfil conservador exige. Vivemos em 2025 um cen\u00e1rio de juros elevados, tornando essa decis\u00e3o mais crucial do&hellip; <a class=\"read-more\" href=\"https:\/\/valorizei.com\/en\/cdb-ou-tesouro-direto-onde-investir-r-1-000-ainda-este-ano\/\">Continue reading<\/a><\/p>","protected":false},"author":46,"featured_media":42034,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"CDB ou Tesouro Direto: onde investir R$ 1.000 ainda este ano?","_seopress_titles_desc":"CDB ou Tesouro Direto, deve ser guiada pelo seu objetivo de prazo e pela necessidade de liquidez.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"none","_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":"both","_seopress_redirections_param":"","_seopress_redirections_type":301,"_seopress_analysis_target_kw":"CDB ou Tesouro Direto","footnotes":""},"categories":[7],"tags":[],"class_list":["post-42014","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\/42014","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\/46"}],"replies":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/comments?post=42014"}],"version-history":[{"count":4,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/42014\/revisions"}],"predecessor-version":[{"id":42024,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/42014\/revisions\/42024"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media\/42034"}],"wp:attachment":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media?parent=42014"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/categories?post=42014"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/tags?post=42014"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}