What is Treasury
The Treasury is a type of fixed-income investment issued by the federal government, through the National Treasury. It works like a loan from the investor to the government, which uses the funds raised to finance its activities and projects.
Types of Treasury
There are different types of Treasury, such as the Selic Treasury, the IPCA+ Treasury and the Prefixed Treasury. Each one has specific characteristics and returns and is suitable for different investor profiles.
How to Invest in Treasuries
To invest in the Treasury, you need to open an account with a brokerage firm and buy securities through Tesouro Direto, the National Treasury's online platform. It is important to be aware of the fees and costs involved in the operation.
Treasury returns
Treasury yields are determined by the interest rate agreed at the time of purchase. In addition, the yield can be influenced by factors such as inflation and the variation in the Selic rate.
Treasury risks
Despite being considered a safe investment, the Treasury is not without its risks. Among the main risks are the possibility of the bond's devaluation on the secondary market and interest rate fluctuations.
Advantages of the Treasury
The Treasury has several advantages for investors, such as investment security, daily liquidity, portfolio diversification and ease of access through Treasury Direct.
Disadvantages of the Treasury
Despite the advantages, the Treasury also has some disadvantages, such as the incidence of income tax on yields, the possibility of devaluation of the security and the low profitability compared to other variable income investments.
Suitable Investor Profile for the Treasury
The Treasury is suitable for conservative and moderate investors who are looking for security and stability in their investments. For bolder investors, it is recommended to diversify the portfolio with other types of investments.
Conclusion
In short, the Treasury is a fixed-income investment option issued by the federal government, which offers security and profitability for investors. It is important to know the different types of Treasury, the risks and advantages involved, in order to make more informed and assertive financial decisions.
