What is the Treasury Direct yield?

Know what is the yield of Tesouro Direto is important, as profitability varies according to a number of factors. Before you start investing, you need to know more about the investment market, and this is one of your main doubts. Check it out below. 

What is the yield of a Treasury Direct

Know what is the yield of a Treasury Direct is important for operating wisely in this market. After all, knowing what the return is could be what you need when it comes to your operations, especially if you want to get out of savings altogether. 

There are a number of variables that determine the profitability of Treasury Direct, such as the maturity date, the expectation of the future, the type of bond, among others. However, most of the securities have a public yield close to 9.25% for the year. 

In addition, at times when interest rates are expected to rise, the yield on these bonds will consequently be higher. The reason for this is the public debt, which becomes more expensive. 

In this case, the government needs to offer investors a higher return, mainly to compensate for the high risk. The effect of interest rates is even more striking for bonds with an advanced maturity date. Because of these characteristics, the risk is higher, so be careful. 

What is the Treasury Direct yield today? 

Unlike other investments on the market, Treasury Direct's returns are considered consistent and secure. In addition, the issuer of the securities, the National Treasury, is the safest in the country. 

In this sense, when investors keep their money earning until the maturity date, the values are consistent with the profitability of a fixed-income security. As soon as the investment is made, investors are able to simulate the amount that the bond could yield. 

The value can fluctuate depending on the market index, but this variation is not very great. However, thanks to this feature, investors can plan for profitability. 

Another variation in profitability concerns the sale of the bond before the maturity date. When investors sell, the return obtained will depend exclusively on the strategy followed. 

The profitability of the National Treasury also depends on another characteristic: the type of security invested in. In general terms, the higher the risk of the asset, the higher the return obtained in the end. 

What are the advantages 

The government is responsible for issuing Treasury Direct bonds. In general terms, this type of investment works like a loan, where the investor gives their money to the government. 

In return, investors receive the interest rate, which is the return on the Treasury Bond. On the day the bond matures, the money is settled and returned. Before investing in the market, it's important to know what the advantages are. Check them out below:

• Investors can get a return higher than inflation. However, to get the corrected value, you need to keep the money earning until the maturity date; 

• Tesouro Direto is a great investment option, especially for investors looking to invest over long periods; 

• The investment flow works in a simple way, i.e. investors need to apply and redeem. 

It's worth noting that the Treasury Direct payment works in a single installment, which will be paid on the bond's maturity date. In addition, there are more advantages to investing in this market, all depending on the bond you choose. 

What are the best Treasury Direct securities?

Before investing in Treasury Direct, investors need to choose the best bond for the market. There are two ways: post-fixed and pre-fixed, as well as a combination of both. The system has the following types:

• Fixed rate: These are bonds with a fixed annual interest rate;

• Selic Treasury: Bonds that bear the name of the economy's basic interest rate;

• IPCA Treasury Bonds: These bonds combine fixed annual interest and inflation. 

How to invest in Treasury Direct

Although most people think the investment market is difficult, the procedure is very simple and practical. It's even possible to carry out the procedure on a cell phone. Check it out below:

1. Create an account with a financial institution;

2. Transfer the amount to your new account;

3. Set a recurring or non-recurring amount, then buy the bonds. 

Once you have completed this procedure, you are officially an investor. In this way, as well as guaranteeing a better future, investors can also easily achieve their financial goals. 

What are the Treasury Direct rates and interest? 

Before investing in Treasury Direct, you need to understand that the securities are not exempt from fees and taxes. However, when you consider the final return on investment, the costs are low. In this sense, it is important to know the main fees and interest rates. Check them out below:

• Incidence of IOF: IOF is charged in a single scenario, however, it can be avoided. Investors only need to redeem the bond in the first month in which it is invested; 

• Income tax: Income tax works in the same way as other fixed income assets. In this sense, the longer it is invested, the lower the income tax charge.

How to choose the best Treasury Direct bond

Before buying any Treasury Direct security, investors need to answer the following question: what do you want to do with the money? This is the answer that will guide the paper you want to buy. 

In this sense, if the money is just to set aside, choose Selic Treasury bonds. On the other hand, if the project is for the long term, indexed or fixed-rate securities are recommended. 

Once you have chosen a bond that suits your investment profile, set an amount you want to invest and transfer the money to the account you have created at the financial institution. Once this is done, access the broker's platform and buy the bond you want. 

Now that you understand all these features, it's time to start investing. From this moment on, investors can access statements whenever they wish, finding out about yields, fees charged, maturity dates and other data.