The importance of investing in fixed income abroad
Treasury Direct. With the growing search for investment alternatives, Tesouro Direto has become popular as an accessible and safe option for those who want to make the most of their money.
Tesouro Direto is a Brazilian government program that allows the purchase and sale of public bonds over the internet. Launched in 2002 by the National Treasury in partnership with the São Paulo Stock Exchange.
The main purpose of Tesouro Direto is to raise resources to finance government activities, while at the same time offering investors an alternative financial investment with different risk profiles and deadlines.
In this article, we will compare the yield of R$ 100 thousand on different Tesouro Direto options, so that you can make more informed decisions about where to invest your money.
The Treasury Selic is considered the most conservative option of the Treasury Direct, as its profitability is linked to the economy's basic interest rate.
The advantage of this modality is its low volatility, which makes it a safe choice for those looking to protect their capital.
However, it is important to highlight that, in times of falling interest rates, the profitability of the Treasury Selic may be impacted.
Let's simulate the yield of R$ 100 thousand on the Selic Treasury, taking into account the current interest rate.
With Selic at 2.25% per year, the approximate income for a period of 12 months would be R$ 2,250.00. It is worth noting that the Selic Treasury yield is daily, therefore, the final profitability may vary according to the redemption date.
The IPCA+ Treasury is a suitable option for investors who wish to protect their money from inflation and still obtain real profitability.
This is because the IPCA+ Treasury yield is made up of a fixed rate plus the variation in the IPCA, the official inflation index.
This way, the investor has the guarantee that his money will not lose purchasing power over time.
To illustrate, let's calculate the yield of R$ 100 thousand in the IPCA+ Treasury, taking into account the current fixed rate of 3.45% per year plus the IPCA projection for the same period. Assuming an IPCA variation of 2.5%, the approximate income for a period of 12 months would be R$ 6,950.00.
The Prefixed Treasury is an option for investors who wish to guarantee a known profitability at the time of investment.
When investing in the Prefixed Treasury, the investor knows exactly how much he will receive when the bond matures, regardless of interest rate fluctuations over time.
However, it is important to highlight that the Prefixed Treasury is subject to mark-to-market risk, that is, the fluctuation of the security's price on the secondary market.
To calculate the yield of R$ 100 thousand on the Fixed Treasury, consider the current rate of 5.19% per year. At this rate, the approximate return for a 12 month period would be R$ 5,190.00.
When comparing the yield of R$ 100 thousand in different Tesouro Direto options, it is possible to see that each modality has its particularities and caters to different investor profiles.
While the Treasury Selic offers low volatility and daily liquidity, the Treasury IPCA+ protects the investor from inflation and also provides real profitability.
In turn, the Prefixed Treasury guarantees a known profitability at the time of application, regardless of interest rate fluctuations.
However, it is important to highlight that choosing the ideal modality must consider the investor's profile, investment horizon, expected profitability and the economic scenario.
Furthermore, it is essential to carry out a careful analysis of the rates and costs involved in each modality, in order to ensure that the investment is profitable in the long term.
To assist in choosing the ideal Treasury Direct modality, there are applications and websites that offer simulations and comparisons between the available options.
Some popular options include the “Tesouro Direto” App and the “Tesouro Direto – Investor Portal” website, which provide up-to-date information on available securities, rates, yields and maturity dates.
Evaluation of the Apps or Websites mentioned:
App “Treasury Direct” – Rating: 4.8 (Google Play)
Site "Treasury Direct – Investor Portal” – Rating: 4.5 (Trustpilot)
By using these tools, investors can make more informed decisions and increase the chances of success in their investments in Tesouro Direto.
In summary, comparing the yield of R$ 100 thousand in different Tesouro Direto options is essential to identify the modality most suited to your financial needs and objectives.
With careful information and analysis, it is possible to take advantage of the investment opportunities offered by this modality, guaranteeing a better return for your money.
