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Everything you need to know about Treasury Direct

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Especially for those looking for conservative investments, Treasury Direct is probably one of the best options available. Simply put, it is a way of lending money to the government in exchange for interest. Naturally, the longer you leave the money invested, the greater the interest the government will pay you when withdrawing the investment.

Interestingly, even though it is one of the simplest investment instruments, it is very common to find people who have never heard of the Direct Treasury, and still leave a large part of their money in savings.

The minimum Treasury investment amount is R$ 30.00 and it is by far one of the safest investments given that you are lending money to none other than the federal government itself.

You no longer have an excuse to miss out on one of the most attractive investments on the market! Keep reading to discover the advantages of investing in the Direct Treasury.

Treasury Direct is one of the most attractive instruments on the market for good reasons:

  • Profitability is attractive, taking into account the very low risk level of the application;
  • The administration fees, discussed at the end of the article, are very low compared to other applications;
  • You'll find different types of bonds to buy. This slightly raises the barrier to start with Fazenda Direto, but it greatly increases your flexibility (we will dedicate part of the article to understanding the different types of securities that you can buy);
  • Liquidity is daily and guaranteed by the National Treasury.

types

In practice, when buying a title, you will be faced with a few different types of applications. These types are linked to financial objectives and expectations about the future of the economy. Based on your planning, in general, one type of headline is recommended over others.

The title term is another important issue. Whenever possible, buy bonds with maturities tied to your objective. For example, if you're saving money to buy a car two years from now, look for bonds that mature close to that time.

Click to advance and understand how the Direct Treasury bonds are organized.

Prefixed Treasury

Fixed-rate securities guarantee the profitability you see at the time of purchase. That is, you know exactly how much you are going to redeem when the security matures.

They are an excellent option when you are investing to reach a certain amount in the future, or if you believe that the interest rate in the economy – that is, the SELIC rate – will fall in the near future.

IPCA Treasury

The IPCA Treasury is a little more sophisticated. It guarantees a fixed return above inflation (which, in this case, is measured by the IPCA). That is, it is not possible to anticipate exactly how much you will earn at maturity, given that inflation changes over time. However, are you sure how much you will earn above inflation.

This is exactly what makes the IPCA Treasury so attractive for long-term investments, such as, for example, your retirement fund.

SELIC Treasury

Finally, the SELIC Treasury is entirely post-fixed, and its yield is identical to the SELIC Rate. It is one of the most traded securities on the Fazenda Direto and its main advantage is its low volatility. Therefore, of all securities, it is the most recommended if you are not sure if you will be able to leave the money standing still until the maturity of the security.

Fees

As previously mentioned, one of the main advantages of the Direct Treasury is the administration and trading fees for the papers, which, compared to other types of investments, are extremely low.

Fees are divided into two categories:

  • Custody Fee of 0.3% per year, charged by the Direct Treasury;
  • Additional fee charged by your broker.

Before investing in Treasury Direct, choose the right brokerage. In many cases, the second rate is zero, which considerably increases your long-term returns.

Profitability

Treasury Direct also provides a table with the accumulated yield of the different securities available for purchase and sale. Remember to consult this data – and study the different types of bonds – before deciding which bond to buy.

Simulator

If you are still in doubt, use the Treasury Direct return simulator to choose the bond that best fits your financial goals.

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