CDB com liquidez diária ou Tesouro Selic: qual escolher?

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Ambos os investimentos oferecem segurança e liquidez diária, essenciais para formar uma reserva de emergência sólida.

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Atrelado à taxa Selic, o Tesouro Selic tem rentabilidade que varia conforme a taxa básica de juros, sendo uma opção pós-fixada com menos risco de resgate antecipado.

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CDBs pós-fixados rendem um percentual do CDI, podendo superar 100%, mas geralmente estão associados a bancos menores com maior risco de crédito.

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O Tesouro Selic é emitido pelo governo e livre de risco de crédito, enquanto CDBs têm garantia limitada pelo FGC e podem oferecer rendimentos maiores.

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Ambos os ativos atendem investidores conservadores e arrojados, ajudando no equilíbrio da carteira e oferecendo segurança.

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Comparando um CDB com retorno de 100% do CDI e o Tesouro Selic, a rentabilidade é praticamente equivalente, com tributação conforme a tabela regressiva de IR.

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CDBs e Tesouro Selic são ideais para reserva de oportunidade, permitindo realocações rápidas e seguras, sem risco de deságio na saída antecipada.

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Escolha Tesouro Selic para maior segurança e menor valor mínimo de aplicação, ou CDBs para potencial maior rentabilidade, considerando o risco de crédito.

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Avalie seu perfil e objetivos de investimento para decidir entre CDB com liquidez diária ou Tesouro Selic e garantir uma reserva de emergência eficiente.

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