Reserve
- Input
- Prazo mais curto + liquidez desejada
- Expected output
- Tesouro Selic tende a fazer mais sentido
Useful for comparing function, not only return.
tesouro selic vs ipca plus
Tesouro Selic vs IPCA+: what changes in the simulation
Selic vs IPCA+ is usually not just a product comparison — it is a goal comparison: liquidity reserve or longer-term real return.
Continue in the tool
Open full toolHow to separate their roles
- Tesouro Selic is typically read as a liquidity base, while IPCA+ speaks more to real protection and longer horizons.
- Regressive tax and B3 fee affect both, but sensitivity to inflation and term changes the interpretation.
Common readings
Longer horizon
- Input
- Foco em ganho real
- Expected output
- IPCA+ ganha relevância
Useful for long goals with inflation in focus.
Full tool FAQ
The minimum is 0.01 units of a bond, which in practice means approximately R$30–100 depending on the bond type and its current unit price.
Frequently asked questions
Does Tesouro IPCA+ always beat inflation?
In the bond logic, that is the goal, but the effective result still depends on contracted rate, term, pricing and whether the position is held to maturity.
Is Tesouro Selic always the best for short-term goals?
It is often a strong candidate, but the real decision still depends on desired liquidity, taxation and available alternatives.