Direct treasury has emerged as a safe investment option and with good profitability. Modality that allows the individual to buy public bonds, is an investment tied to the Selic, basic interest rate of the country. For this reason, it gains even more prominence in a scenario that points to an increase in interest rates, since direct treasury profitability accompanies this increase. DI funds, CDBs and real estate and agribusiness credit bills are also investments linked to the Selic, however, because they must have banks as intermediaries, they can charge administration fees that reach 3%, which is not the case with direct treasury, which does not necessarily need a financial institution to broker the deal. The investment in public bonds can only be done by opening a brokerage account. However, custody rates generally do not exceed 0.3% per annum.
Although it offers undeniable advantages, such as average profitability, security and the possibility of making a low investment (it is possible to start investing with only $ 30), direct treasury may not be indicated in some cases. Those who need money in the short term and / or seek a high return must opt for another form of investment.
See all you need to know to start investing in direct treasure:
Make your registration
To invest in direct treasury, you must have a social security number and account with a financial institution. Then you must choose a brokerage firm or even a bank to be your custodian. It is this agent who will broker your direct treasure deals. Check in this link all the institutions that are authorized to operate with federal public securities. Before choosing your escrow agent be sure to check the administration fees that are charged for it. Contact your chosen escrow agent and register. At this time, you must provide all the necessary documents for the institution to open an account on your behalf to begin the operation with the direct treasury. You will receive a provisional BM & F Bovespa password to make your first access to the area in the event of purchases and sales of securities, checking of balances and statements. You will need to change the temporary password with a new one (which must be between eight and 16 digits, letters, numbers and special characters). With this, you will be enabled as an investor and can begin to choose your securities.
Choose the titles to invest
Direct treasury offers securities of the most diverse values and for different purposes. So it is important to define your profile and know exactly what you want to choose which title or titles to buy. With regard to profitability, what do you seek? Know exactly how much you will receive on the maturity date of the security, choose an option that yields above inflation or a profitability close to the Selic rate? If you identify with the first alternative, titles like NTN-F or LTN are the best, because you will know what income you will receive. Whoever wants income above inflation, on the other hand, can choose titles like NTN-B and NTN-B Principal. The LTF is the title indicated for the investor that wants profitability close to the basic interest rate of the country. To help you figure out what is the most appropriate title for your profile and financial goals, the right treasury offers the Financial Advisor tool on your website and in the investor-restricted area. Through it, you know the titles available and can choose the most appropriate. Then you just have to make the purchase.
Stay tuned for application channels
Investing in direct treasury can be done in three ways. The first one is through the treasure site itself. Simply access the restricted area with your password and make yourself the purchase, sale, investment planning and consultation of balances and statements. Another possible way to invest is through your custody agent’s website. Some institutions have websites that are integrated with direct treasury sites, which enables you to buy and sell government bonds on the agent’s website at the same rates and prices as the Treasure Direct site. The third option is to invest through the custody agent. In this case, you give the financial institution permission to trade public securities on your behalf.
Understand the modalities of application
There are two modalities of application in the direct treasury: the traditional investment and the programmed investment. The first modality refers to the buying and selling operations that can be done at any time of the day, within the program’s operating period. The planned investment deals with the purchase and sale scheduling, automatic reapplication of semiannual interest (called coupons) and the amount that will be redeemed on the maturity dates of the securities. Through the scheduled investment, you can do the planning of your finances.
Tracking the outcome of your investments in the direct treasure site is an important step. See how the performance of your titles is taking care, however, not to run away from your profile or the strategy you drew initially. Do not give in to the temptation to migrate to another type of investment because other securities are more valued than the ones you have chosen. In the long run, this migration can cause more losses than gains.
Sell your bonds when the time comes
One of the great advantages of direct treasury is daily liquidity. That is, you can sell your government bonds on any business day. So when you reach your goal, sell your title and collect your income.
Direct treasury is an investment modality tailored for those who do not want to take a lot of risks, but seek a higher return than other traditional investments in the market, such as savings. To succeed in this modality, it is important to stay tuned, research and choose the public securities best suited to your profile and your financial goals.