If you invest in Tesouro Direto, Brazil’s most popular government bond platform, you might have already noticed the new official website launched recently. While the redesign looks more modern and user-friendly, many investors are already pointing out that the new platform could be confusing or even misleading for those who are not careful.
In this article, we’ll break down the changes, highlight the risks of misunderstanding the information displayed, and explain how you can make money safely online with government bonds without falling into these traps.
🚨 What Changed in the Tesouro Direto Website?
The new version of the Tesouro Direto portal focuses on offering a simpler and faster investment experience. The website now has:
- A cleaner interface
- New navigation menus
- Simplified investment simulations
- Mobile-friendly access
However, these “simplifications” may come with some hidden risks.
❌ Why Investors Might Get Misled
While the website’s goal is to make things easier, certain aspects could confuse beginner investors:
- Yield Presentation – Some bonds now highlight “annual rates” without making it very clear if the return is gross or net of taxes. Many beginners may believe they will receive the full rate, which is not true after income tax and IOF deductions.
- Inflation-Linked Bonds (Tesouro IPCA+) – In some simulations, the inflation-adjusted return appears as a fixed number. This could mislead investors into thinking that the return is guaranteed, when in reality it depends on future inflation.
- Liquidity Information – Although Tesouro Direto offers daily liquidity, the site does not emphasize that if you sell before maturity, you may suffer mark-to-market losses. Many beginners wrongly assume they can withdraw anytime without risks.
- Comparison Tools – The “investment comparison” section may encourage short-term decisions without highlighting the long-term advantages of holding bonds until maturity.
✅ How to Avoid Being Misled
If you want to keep making money safely with Tesouro Direto, here are some golden rules:
- Always check if rates are gross or net. Remember, the government will deduct income tax (15%–22.5%) depending on the investment period.
- Understand inflation-linked bonds. Tesouro IPCA+ protects your money against inflation, but the final return only comes if you hold it until maturity.
- Respect the maturity date. Selling before maturity can result in losses. The safest strategy is to hold the bond until the agreed end date.
- Use external simulations. Don’t rely only on the official website’s simulator. Independent investment calculators can give you a clearer idea of real returns.
💡 Final Thoughts
The new Tesouro Direto website is a step forward in terms of design and usability, but it may also lead to misunderstandings for less experienced investors. To make money online with Tesouro Direto, the best strategy is to study the bonds carefully, compare investments, and avoid impulse decisions.
Remember: a beautiful website doesn’t always mean better information.
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