Tesouro IPCA+ ou Tesouro Selic: qual rende mais?

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Entender qual título público rende mais, Tesouro IPCA+ ou Tesouro Selic, é essencial para tomar decisões de investimento.

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Tesouro Selic é um título pós-fixado que segue a taxa Selic, enquanto o Tesouro IPCA+ combina uma taxa fixa com a variação da inflação.

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O Tesouro Selic acompanha de perto a taxa básica de juros, sendo considerado mais seguro em termos de rendimento.

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O Tesouro IPCA+ garante um ganho real acima da inflação, sendo ideal para preservar o poder de compra no médio e longo prazo.

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Atualmente, o Tesouro Selic tem um rendimento maior do que o Tesouro IPCA+.

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Nos últimos 12 meses, o Tesouro Selic 2025 rendeu 11,23% ao ano.

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No mesmo período, o Tesouro IPCA+ com juros semestrais 2026 rendeu 7,25% ao ano.

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A escolha do melhor investimento depende do horizonte do investidor e de suas necessidades.

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Para necessidades de curto prazo, o Tesouro Selic é a melhor escolha, oferecendo segurança e liquidez.

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Para o médio e longo prazo, o Tesouro IPCA+ é mais indicado, pois oferece proteção contra a inflação.

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