If you are looking for smart ways to make money online and multiply your investments, 2025 has brought one of the biggest opportunities in the fixed-income market: profiting from mark-to-market on Tesouro Direto. Many beginners still believe that government bonds are only for safe and predictable returns. However, few investors realize that by using the mark-to-market strategy, it is possible to earn extraordinary gains in a very short time.
In this article, you will understand what mark-to-market is, why 2025 is the perfect year to take advantage of it, and how you can use this strategy to boost your profits in Tesouro Direto.
What is Mark-to-Market in Tesouro Direto?
Mark-to-market is the daily update of the price of government bonds according to the market interest rate. This means that even though Tesouro Direto has a defined maturity, its value can go up or down every day depending on fluctuations in interest rates.
- When interest rates fall, the price of long-term bonds rises, and investors who sell before maturity can make a profit.
- When interest rates rise, bond prices fall, creating an opportunity to buy cheap and sell high in the future.
This price fluctuation is where the big opportunity lies for investors who know how to use this dynamic in their favor.
Why 2025 is the Perfect Year for Mark-to-Market
The year 2025 presents a unique scenario in the Brazilian economy:
- Interest Rate Cuts Expected – With inflation under control and the Central Bank signaling a more expansionary policy, analysts expect a consistent cycle of interest rate cuts throughout 2025.
- High Long-Term Yields – Many Tesouro Prefixado and Tesouro IPCA+ bonds were issued with high interest rates in previous years. This makes them highly attractive because their prices can skyrocket when rates go down.
- Online Investing Boom – More Brazilians are investing digitally, and online platforms are making it easier than ever to trade Tesouro Direto quickly and with low costs.
This perfect combination makes 2025 the best year to profit from mark-to-market opportunities.
How to Profit from Mark-to-Market in Practice
Here are the practical steps to make money using this strategy:
- Choose Long-Term Bonds – Prefer Tesouro Prefixado 2031+ or Tesouro IPCA+ 2035/2045. They are more sensitive to interest rate movements.
- Buy When Rates are High – If you enter when interest rates are at their peak, you secure bonds at cheaper prices.
- Sell Before Maturity – You don’t need to wait until maturity to profit. Selling when rates fall will generate significant gains.
- Monitor the Market Daily – Keep an eye on Central Bank decisions and inflation reports. These will directly affect the value of your bonds.
Example: If you bought Tesouro Prefixado 2031 in 2024 with an annual rate of 13% and in 2025 interest rates fall to 9%, your bond price could soar, allowing you to sell and lock in a large profit.
Risks You Must Watch Out For
Although profitable, mark-to-market has its risks:
- If rates rise instead of falling, your bond price may drop.
- Investors who need short-term liquidity could be forced to sell at a loss.
- Market timing requires discipline and information.
That’s why it is essential to study and monitor economic indicators before making quick decisions.
Final Thoughts
Tesouro Direto is not just about safe returns—it can also be a powerful way to make money online in 2025. With the right strategy, mark-to-market can turn a traditional fixed-income product into a high-profit opportunity.
The key is to understand the dynamics of interest rates, buy at the right time, and sell strategically. If you want to take advantage of the unique scenario of 2025, now is the time to position yourself in Tesouro Prefixado and Tesouro IPCA+ bonds.
💡 Tip: Always diversify your portfolio and avoid investing all your capital in just one bond. Balance between fixed income, stocks, and digital investments.
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