Let’s go with the simulation: how much would an amount of R$ 100 thousand invested in Treasury Direct bonds yield? No Chat with Specialist, live program from UOLeconomist César Esperandio made some simulations in the three modalities of this investment.
“The simulations of the Selic Treasury and the IPCA Treasury are estimates, as the profitability is based on projections”, he says.
Read his explanation and watch the program excerpt below. Chat with Specialist is a question-answer about investments exclusively for subscribers and is broadcast fortnightly, on Thursdays, from 15:00 to 16:00.
Simulations with 3 Treasury bonds
Treasury Direct currently has three types of securities:
Selic Treasure: designated for the emergency reserve. Profitability is linked to the basic interest rate (Selic);Prefixed Treasure: predetermined and guaranteed yield if you redeem only on the due date;IPCA Treasury: guarantees a return superior to the inflation of the period
To find out the profitability of BRL 100,000 invested in Tesouro Direto, Esperandio ran some simulations on the Tesouro Direto platform, considering the single investment.
“Ideally, you invest regularly. Whenever you have a little money left, you invest. It doesn’t even have to be once a month. It can even be weekly. The greater your frequency, the less time your money is without yielding”, he says. , which is also from the Econoweek channel.
2027 Selic Treasure: pays Selic plus a bonus of 0.17% per year
Expiration date: 1º/3/2027Single contribution: R$ 100 milGross amount at maturity: BRL 148.6 thousand (without deducting the Income Tax and the B3 fee)Net worth at maturity: R$ 140 mil
Prefixed Treasure 2029: profitability of 11.51% per year
Expiration date: 1º/1/2029Single contribution: R$ 100 milGross amount at maturity: R$ 207 milNet worth at maturity: R$ 188,3 mil
Treasury IPCA 2045: pays inflation for the period plus a bonus of 5.42% per year
Expiration date: 15/5/2045Single contribution: R$ 100 milGross amount at maturity: R$ 699,9 milNet worth at maturity: R$ 595,8 mil
Fixed-rate Treasury and IPCA Treasury are designed for you to stay until the maturity date. Can you get it sooner? You can, but you can have a loss in profitability.
César Esperandio, economist at Papo with Specialist at UOL Investimentos
Simulations are made on top of projections
Esperandio says, however, that the Selic Treasury and IPCA Treasury simulations are estimates.
“Nobody knows how much the country’s Selic rate and official inflation will be during this period. The Treasury takes the Selic and IPCA projections from the Central Bank to make these simulations. And they are very reliable projections. You can get a good idea of how much each title of this one will pay off”, he says.
It is worth mentioning that the investment conditions mentioned here refer to the 7th of April. Fees may vary from day to day.
Chat with Specialist is fortnightly
The program Chat with Specialist is broadcast on Thursdays, fortnightly, from 3 pm to 4 pm, on the home page of UOL, at UOL Economia and UOL Investimentos, and is exclusive to subscribers. Review past programs here.
You can send questions to Papo by e-mail [email protected] —they can be answered in the program.
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