Tesouro Direto com juros semestrais pode ser uma armadilha!

💰 Download the ebook about Treasury Direct here: https://wa.me/553192321699?text=Ol%C3... ____________________________________________________________________________________________ Did you know that Treasury Direct with semi-annual interest payments might be causing you to lose money without you realizing it? Many people choose Treasury IPCA+ with Semi-annual Interest or the Fixed-Rate Treasury with Semi-annual Interest thinking about "passive income," but this format breaks the effect of compound interest in two ways that almost no one explains: 1) The coupon paid every 6 months is removed from the bond and stops yielding interest within it. If you don't reinvest manually, the growth ceases to be exponential and becomes almost linear. 2) Each coupon payment is subject to withholding tax according to the regressive tax table, meaning you pay tax upfront every 6 months, instead of deferring everything to maturity as happens with coupon-free bonds (such as the IPCA+ Treasury bond with "principal"). In this video, I show the calculation in practice, comparing bonds like the 2037 Fixed-Rate Treasury bond and the 2037 IPCA+ Treasury bond with semi-annual interest payments, and I explain when this format really makes sense (and when it's a trap for your long-term assets). INDEX: 00:00 Treasury Direct with semi-annual interest payments 02:15 How do bonds with semi-annual interest payments yield? 05:53 How much does the Treasury Direct with semi-annual interest payments yield?