TESOURO RESERVA É A NOVA POUPANÇA? | VALE MAIS A PENA DO QUE A SELIC, CDB E CAIXINHAS DIGITAIS?

🎧 Podcast: https://open.spotify.com/show/0fmP1id... 💵 Evolution Community: https://bit.ly/comunidade-evl 💰 Schedule your free consultation with Ticker Wealth: https://bit.ly/3VWI0ZI TREASURY RESERVE: THE NEW SAVINGS ACCOUNT? | IS IT MORE WORTHWHILE THAN SELIC, CDB, AND DIGITAL INSTALLMENT PLANS? 00:00 - Is Treasury Reserve worth it? Understand the new public bond 01:05 - Treasury Educa+ and Treasury Renda+: are they worth it? 01:56 - What is the Treasury Reserve and how does it work? 04:05 - Treasury Reserve in the Direct Treasury 05:16 - Treasury Reserve or Treasury Selic: which is better? 06:26 - How to invest in fixed income safely 06:41 - Is Nubank's "Caixa" (small account) worth it or is Treasury Selic worth it? 08:03 - Treasury Reserve or Nubank's "Caixa"? 08:54 - Banco Inter's "Caixa" or Treasury Reserve? 09:43 - Treasury Reserve or CDB: which yields more? 11:14 - Fixed income in 2026: which investment to choose? 14:07 - Fixed income ETF: how does it work and is it worth it? 15:16 - Economics and finance podcast: where to learn more about investments 15:37 - Where to invest your emergency fund? 16:01 - Direct Treasury for Beginners 16:38 - Emergency Fund: Where to Invest Today? Who is the Reserve Treasury good for? What is the difference between the Reserve Treasury and the Selic Treasury? Reserve Treasury or CDB: which yields more? The Reserve Treasury has arrived as a new option within the Direct Treasury and is already generating many questions: what is it, who is it for, and is it really more worthwhile than the Selic Treasury, CDB, savings account, or even the Nubank and Banco Inter accounts? In today's video, I explain clearly how the Reserve Treasury works, which promises a minimum investment starting at R$1, liquidity 24 hours a day, 7 days a week, and profitability linked to the Selic rate. With high interest rates in Brazil, understanding the differences between the Reserve Treasury, the Selic Treasury, CDB, and savings accounts can make a big difference in building your emergency fund and the profitability of your fixed income. You'll understand in practice the difference between Treasury Reserve and Treasury Selic, especially regarding term, income tax, IOF (tax on financial transactions), three-year maturity, and the impact of taxation over time. I also compare Treasury Reserve and CDB (Certificate of Deposit) to show which yields more in different scenarios, explaining how government sovereign risk works compared to the FGC (Credit Guarantee Fund) protection in CDBs. Furthermore, I show why savings accounts lose in profitability when we analyze net income over the same period. Another important point is the comparison between Treasury Reserve and the emergency funds offered by digital banks, such as Nubank and Inter, which today directly compete for Brazilians' emergency reserve money. Throughout the video, I discuss security, the absence of market valuation in Treasury Reserve, and when it might be more advantageous for short-term goals. Finally, I answer who Treasury Reserve is really worthwhile for, whether it's good for beginners, and whether it's worth switching from a digital bank account, staying in Treasury Selic, or diversifying among the options. Watch until the end to make a safer and more strategic decision about where to invest your money. The main tip is to always study, and never be too courageous; stay alert and careful not to fall into financial traps. Learn first where to invest, how to invest, and only then think about making money. Remember that our videos are not recommendations to buy or sell financial assets; they are merely my opinions on various topics. Our goal is to be a channel that provides quality financial education, including economics, politics, finance, smart investments, the stock market, and real estate investment trusts (REITs). #investments #economy #financialmarket #sincereeconomist #fixedincome #TreasurySelic #TreasuryDirect #TreasuryReserve #DigitalBank #Nubank #BancoInter