Selic Treasury: Everything You Need to Know

2023-09-28 17:52:39

The Treasury Selic is one of the most popular options for beginner investors who want to invest their money safely and with good profitability. In this article, we will explore everything you need to know regarding the Selic Treasury, from what it is to how to invest. We will analyze the characteristics of this investment, terms, liquidity, risk and much more. Get ready to make informed decisions and start investing in the Selic Treasury!

What is the Selic Treasury?

The Selic Treasury is a public bond offered by the National Treasury, that is, by the Brazilian government. It is part of the Tesouro Direto program, which allows individuals to buy public bonds directly from the government. The Selic Treasury is considered a post-fixed security, that is, its profitability is linked to the Selic rate, the basic interest rate of the Brazilian economy.

Features of the Selic Treasury

The Selic Treasury has some characteristics that make it attractive to different investor profiles. See below the main characteristics of this title:

Profitability

The profitability of the Treasury Selic is directly related to the Selic rate. This means that, as the Selic rate varies, the bond’s profitability may also vary. However, the Treasury Selic tends to be more stable in relation to other public bonds, such as the Treasury IPCA+ and the Treasury Prefixed.

Risk

The risk of the Treasury Selic is considered low, as it is a bond issued by the Brazilian government. This means that, in the event of payment of interest and redemption of the bond, the investor has a guarantee from the federal government. However, it is important to highlight that the Treasury Selic is subject to price fluctuations in the secondary market, which can result in losses if the investor needs to sell the security before maturity.

Liquidity

The Selic Treasury has high liquidity, which means that the investor can redeem the amount invested at any time. Therefore, it is an interesting option for those who need an emergency fund or for those who want the flexibility to redeem money in the short term.

Term and Expiration

The Selic Treasury has an indefinite maturity period. This means that the investor can leave the money invested for as long as he wants. However, it is important to highlight that the Treasury Selic is more suitable for short and medium-term investments.

Minimum Investment

The minimum investment in the Treasury Selic is just R$30, which makes it accessible to most investors. This way, even with little money, it is possible to start investing in this public bond.

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How to Invest in the Selic Treasury?

Investing in the Selic Treasury is a simple task and can be done completely online. See the step-by-step guide to start investing:

1. Open an account with a stockbroker: To invest in the Treasury Selic, it is necessary to open an account with a stockbroker. There are several brokers available on the market, each with their own fees and services. Research and choose the broker that best meets your needs.
2. Register with the broker: After choosing the broker, you will need to register by providing your personal data and requested documents.
3. Transfer the money to the broker: After registration, you must transfer the amount you want to invest to your broker account. Generally, this transfer is made through a TED or DOC.
4. Access Tesouro Direto: With the amount available in your brokerage account, access Tesouro Direto through the broker’s website or platform.
5. Choose the Selic Treasury: Within the Treasury Direct, choose the Selic Treasury as an investment option. Check the rates and conditions offered by the broker.
6. Set the amount and confirm the purchase: Enter the amount you want to invest in the Selic Treasury and confirm the purchase. Check the information and fees before finalizing the transaction.
7. Monitor your investments: After purchase, it is important to regularly monitor your investments in the Treasury Selic. Check profitability, maturity dates and make adjustments if necessary.

Advantages and Disadvantages of the Selic Treasury

The Selic Treasury has advantages and disadvantages that should be considered before investing. See below:

Benefits

• Profitability associated with the Selic rate, which provides a safe and conservative investment option.
• Low risk, since it is a bond issued by the Brazilian government.
• High liquidity, allowing the investor to redeem the amount invested at any time.
• Minimum investment accessible to most investors.

Disadvantages

• Possibility of price fluctuation in the secondary market, which may result in losses if the investor needs to sell the security before maturity.
• Variable profitability, subject to variations in the Selic rate.

Conclusion

Investing in the Treasury Selic can be a great option for those looking for a safe investment with good profitability. The characteristics of this public security, such as low risk, high liquidity and accessible minimum investment, make it attractive to different investor profiles. However, it is important to analyze your profile and financial objectives before making any investment decision. Always consult a specialized professional for personalized guidance and to make informed decisions. Invest responsibly and regularly track your investments to ensure they are aligned with your financial goals.

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