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Blog Dominus Strict Standards: Only variables should be passed by reference in D:\Inetpub\vhosts\blog.dominusauditoria.com.br\httpdocs\wp-includes\general-template.php on line 1631
set
13
2012
Tesouro Direto ainda é uma boa opção para os investidores?

Depois das modificações na poupança, o Tesouro Direto – venda de títulos públicos para pessoas físicas, promovida pelo Tesouro Nacional – também modificou alguns detalhes do seu sistema para dinamizar as ações e atrair mais investidores.

Antes, era preciso um valor mínimo de R$ 100 para aplicações, que passou a ser R$ 30 para compras agendadas. O teto também obteve alterações: o valor mensal de compras passou de R$ 400 mil para R$ 1 milhão por CPF.

O Tesouro Direto é um investimento voltado para aplicações financeiras mais seguras, diferente da Bolsa de Valores, que exige um pouco mais de versatilidade. Assim como os demais investimentos em renda fixa, como fundos e a própria poupança, o Tesouro Direto é interessante para quem busca garantia. Mas é preciso estar atento aos custos.

Em relação à poupança, o Tesouro Direto acaba sendo uma opção vantajosa para quem deseja investir em prazos longos, em papéis indexados à inflação. Um exemplo de investimento compatível com esta aplicação é a aposentadoria, que dá margem para um prazo de aplicação estendido, se planejado com antecedência.

Entenda como funcionam os títulos após as modificações da poupança

- Letras Financeiras do Tesouro (LFT)

As LFTs são os títulos públicos mais conservadores. São indexados à Selic e possuem mais segurança e liquidez. A LFT com vencimento em 2017, à venda atualmente, apresenta uma rentabilidade bruta de 7,82% ao ano, e não dos 8% da Selic.

- Letras do Tesouro Nacional (LTN) e Notas do Tesouro Nacional série F (NTN-F)

Estes títulos possuem taxa de juro prefixadas, conhecida no momento da compra. A queda nos juros é o cenário econômico que mais os beneficia. O prefixado mais rentável, a NTN-F, é anunciado a uma taxa de 9,59%.

- Notas do Tesouro Nacional série B (NTN-B)

Esses títulos possuem rentabilidade ligada à inflação e pagam sempre uma taxa de juro prefixada, além da inflação do período pelo IPCA. A maior vantagem desses títulos é preservar o poder de compra do investidor, garantindo-lhe uma rentabilidade acima da inflação, independente do cenário econômico.

Para saber mais sobre economia, investimentos, contabilidade, auditoria interna e externa, acompanhe as redes da Dominus: Facebook.com/DominusAuditoria e @DominusAuditori.

Fontes: Exame e Tesouro Direto.

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