The Great Debate: see if it is better to invest in Treasury Direct or in CDB

High interest rates, war in Ukraine, dollar rising again and reaching the level of R$ 5 again. In the midst of so many uncertainties, the investor who prefers not to take so many risks asks himself: what to invest in?

That’s where low-risk assets come in, such as Treasury Direct and CDB, which are recommended for those who have a more conservative profile and don’t want to pay such high interest rates.

Direct treasury bonds are known to be an alternative as safe as savings, but with a less attractive remuneration. With a low initial investment value, up to R$30, they are an attractive option for those who are afraid of losing money.

The CDB – Bank Deposit Certificate – is offered by banks that seek to make projects for granting credit to their customers viable. And there are options between post-fixed, the most common with yield associated with the CDI, but without any guarantee of a certain gain; the fixed rate, where the investor already knows how much he will earn at the beginning of the operation and the hybrid that gives the holder the equivalent of the sum of a fixed rate and a floating index.

But after all, CDB or Direct Treasury: where is it safer to invest in this moment of so much uncertainty?

In O Grande Debate-Investimentos this Monday (9), on the one hand, Marina Renosto, head of the Fixed Income Desk at Blackbird Investimentos, who defends investing in Treasury Direct, and Ramon Coser, a specialist at Valor Investimentos, who prefers to invest investments in CBD.

“The Great Debate – Investments” will always have the presence of two specialists with opposing views to debate the pros and cons of different investment options and solutions, as well as topics from the world of personal finance and the financial market.

The attraction is weekly and airs on Mondays at 8:50 pm.

*Posted by Ana Carolina Nunes