Tesouro Direto para Iniciantes
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Tesouro Direto: Aplicação no Tesouro Direto para Iniciantes

Tesouro Direto: Como investir? Decidiu que vai começar a investir no Tesouro Direto, mas não sabe por onde começar? Talvez você pense: “Ah, vai dar trabalho, melhor deixar na conta poupança mesmo”. Acreditem, tem gente que deixa o dinheiro parado na conta corrente! De fato, este tipo de decisão não ajudará muito no crescimento do patrimônio ao longo do tempo, mesmo pensando que a poupança não tem custo, não paga imposto, é super simples de investir, sacar o dinheiro, etc. Não, você precisará evoluir como investidor, gastar uns minutinhos (como nesta postagem), e aprender sobre os benefícios do investimento em Tesouro Direto.

Eu não desisto dos leitores que ainda investem somente em poupança, e neste artigo abordaremos todas as dicas para lhe dar aquela base para uso do Tesouro Direto. Vamos lá?

O que é Tesouro Direto?

 Em linguagem muito simplificada, o nosso governo não consegue gerar mais dinheiro do que o gasta, e com isto precisa de empréstimos. E aí entra você, a pessoa que poderá salvar o país, emprestando o seu dinheiro a juros para o governo. Ou seja, é uma aplicação que você faz adquirindo Títulos Públicos (opções de investimentos de renda fixa, que são usados com a finalidade de captar capital para pagamentos da dívida pública, financiando os enormes gastos de nosso governo, em todas as esferas, como na saúde, educação, infraestrutura, etc).

Quer conhecer mais um pouco? Acessa aí o site do próprio governo sobre: Tesouro Nacional.

 Quais os tipos de aplicação no Tesouro Direto?

 Basicamente temos 3 tipos:

  • TESOURO SELIC

    Rendimentos serão creditados para você conforme a variação da Taxa Selic. Apesar de haver alguns descontos (impostos, os terríveis impostos), basicamente o seu rendimento anual será próximo à Selic da época da aplicação. Exemplo: Estando a Selic durante todo o ano a 7% a.a. (a.a. = Ao ano), você receberá cerca de 7% de juros ao ano.

  • PRÉ-FIXADO

    Este é muito seguro, pois você compra já sabendo as regras do jogo, ou seja, quanto vai receber de capital + juros ao final do período (o que chamamos de resgate). Exemplo: Quando o TD vencer (exemplo: Dia 30/04/2019), você recebe em sua conta da corretora o valor e poderá fazer nova aplicação.

  • TESOURO IPCA

    Este é bem interessante pois paga um valor fixo (exemplo: 5%) + a inflação do período. Se no período a inflação for de 3%, então você receberá 5% + 3%, ou seja, 8%. Uau!

Qual é o Investimento Mínimo?

Apenas R$ 30,00! Isto mesmo, inicialmente pensamos “Ah, precisamos de mais de R$ 1.000,00 para começar a pensar a investir no Tesouro Direto”. Não é bem assim, com apenas trintão você já pode começar a comprar e dizer investe em TD (Tesouro Direto).

Leia também:

Posso Programar as Aplicações em Tesouro Direto?

 Claro que sim! Abra uma conta em uma corretora de valores, como a Socopa, e após basta determinar uma quantia mensal para realizar as suas aplicações. Importante ressaltar que você deverá escolher uma das modalidades do Tesouro Direto, como TD Selic, TD IPCA, TD Prefixado. Ficou na dúvida? Acesse o próprio site do Tesouro Direto neste link e veja tudo sobre os tipos de aplicações citadas. E claro, é possível programar a compra mensal em mais de um título. Tranquilo!

Agora não se esqueça de deixar programada a sua TED (Transferência Eletrônica) que enviará o dinheiro de sua conta corrente ou poupança para a corretora. Envie sempre com 1 dia de antecedência, assim não terá problemas, mesmo se não conseguir tempo para abrir o site da corretora e acompanhar a chegada do tão desejado dinheirinho.

“Ah Informaremos, mas eu vou pagar TED …”. Neste caso, utilizar um Banco Digital pode ser uma opção. Tem a minha palavra na criação de um artigo completo sobre aqui no Informaremos.

Não há uma data certa para comprar TD, bom mesmo seria comprar todo dia, mas como somos meros mortais e poupadores, uma vez por mês está ótimo.

 Nota: Se pretender usar o dinheiro no curto prazo (menos de 1 ano), recomendo poupança. Acima desta data, TD Selic! Para prazos mais longos, prefixados ou IPCA.

 Tesouro Direto: Tem Riscos?

 Acredite: Tem gente que perde dinheiro em Tesouro Direto, por falta de entendimento ou aplicação para uma data futura e resgate no presente. Por isto é muito importante conhecer o que fazer e se conhecer para evitar errar feio e perder dinheiro.

A regra é clara: Se você aplicar o valor para uma data e manter o seu dinheiro aplicado até aquela data, é CERTO que não irá perder dinheiro.

Se você comprar Tesouro IPCA ou Tesouro Prefixado e realizar o resgate antes da data de vencimento, pode perder dinheiro. Sim, é verdade.

E no caso do Tesouro Selic, se aplicar, nunca retire antes de 30 dias, para não pagar a taxa de IOF, tá bom?

Tabela do Tesouro Direto

Neste link você pode conferir as atuais taxas praticadas. Eu acessei agora, em 14/06/2018, e estas são as informações dadas pelo site do Tesouro:

Taxas do Tesouro Direto

Legal né? Mas, o que significa cada informação?

Na esquerda podemos ver o título da aplicação. Simples.

Já na segunda coluna podemos visualizar a data de vencimento, que indica a data limite para que você mantenha seu dinheiro aplicado para receber o que foi acordado de juros. Beleza!

Na terceira coluna temos a rentabilidade definida para a aplicação.

Na quarta temos o preço unitário de uma cota completa, mas você pode comprar percentuais deste valor, tipo, 1% já é possível, respeitando o valor mínimo de R$ 30,00 (que escrevemos lá em cima).

Quando se tratar de Juros Semestrais, entenda que você receberá juros a cada 6 meses, mantendo o capital aplicado. É legal ver estes pingados (rendimentos) caindo na conta, mas você paga imposto sobre eles, logo, pegar tudo no vencimento e pagar só um imposto é melhor. Mas esta não deixa de ser uma opção.

Tesouro Direto: Principais Dúvidas

Quando podemos comprar títulos? Todos os dias, incluindo finais de semana.

Posso resgatar o meu dinheiro antes do vencimento? Claro que sim!

Posso ter perdas financeiras? Não serão catastróficas perto de outros riscos de ações, debêntures, e outros tipos, mas a resposta é sim: Você pode ter perdas, se não respeitar os prazos acordados.

O que indica-se tirar antes da hora? Apenas Tesouro Selic!

Sempre lembre que a diversificação é a nossa maior aliada!

Gostou da nossa postagem? Não deixe de salvar nosso site nos favoritos e compartilhar nas redes sociais e com os amigos!

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