Advertisements
Investing in Tesouro Direto is a safe and profitable option for those looking to diversify their investment portfolio. With the variety of bonds available, it is natural to wonder which ones are the best. The choice depends on each investor’s objectives and profile.
For example, for those seeking security and liquidity, Tesouro Selic is an excellent option. For those aiming for long-term returns, inflation-linked bonds, such as Tesouro IPCA+, may be more attractive.
See More: Is Bolsa Família higher than the retirement pension?
Tesouro Selic and Tesouro Direto Prefixado
The Tesouro Selic is ideal for those who need liquidity, as it allows withdrawals at any time without loss of returns. In January 2024, Tesouro Selic 2026 had a return of SELIC + 0.0440%, representing 30% of the portfolio recommended by Itaú. Another interesting option is Tesouro Prefixado, which offers a fixed interest rate until maturity. Tesouro Prefixado 2026, for example, had an annual return of 9.68%, with a 20% allocation in the portfolio.
Tesouro IPCA+
For those seeking protection against inflation, Tesouro IPCA+ bonds are the best choice. They guarantee a real return above inflation, measured by the IPCA. In 2024, Tesouro IPCA+ 2029 and Tesouro IPCA+ 2045 were recommended, with returns of IPCA + 5.19% and IPCA + 5.53%, respectively. They represented 30% and 20% of the portfolio suggested by Itaú, indicating a preference for medium- and long-term bonds.
Investing in Tesouro Direto requires a careful analysis of the available options and a strategy aligned with your financial goals. Therefore, whether you are seeking security, fixed returns, or protection against inflation, there is always a Tesouro Direto bond that suits your needs.
