In the video, the host explains how to invest directly in the treasury without a broker. The six practical steps covered include setting goals, opening a brokerage account, transferring funds, selecting the right treasury product based on investment goals, and scheduling investments. The host emphasizes the importance of choosing investments that align with one's financial objectives, whether it's for an emergency fund, retirement, or saving for children's education. The video also guides viewers on how to navigate the treasury website and make informed decisions about their investments.
Here are the key facts extracted from the text:
1. The video is about investing in the treasury directly without using a broker.
2. The speaker is showing a 6-step process to invest in the treasury directly every month.
3. The first step is to define your investment goals.
4. The second step is to open an account with a stock broker.
5. The stock broker can be a bank or a financial institution.
6. The list of regulated brokers can be found on the CVM website.
7. The third step is to send money to the stock broker.
8. The money will remain in the brokerage account until it is invested.
9. The fourth step is to open the direct treasury website and log in.
10. The website has a cart where you can add investment products.
11. The investment products are divided into three types: SELIC, IPCA, and prefixed.
12. Each type of investment product has a specific objective.
13. The SELIC treasury is useful for those who don't know where to invest.
14. The IPCA treasury is useful for those who want to save money for their children or retirement.
15. The prefixed treasury is useful for those who want to guarantee a higher pre-fixed rate.
16. The maturity date is the day when the investment will return all the money to your brokerage account.
17. The SELIC rate is the interest rate paid by the SELIC treasury.
18. You can take out money from the SELIC treasury at any time.
19. The fifth step is to choose the investment product and the amount to invest.
20. The minimum investment amount is R$38.
21. The sixth step is to press the "invest" button and schedule the investment.
22. You can schedule a single investment or a monthly investment.
23. The investment will be debited from your account every month.
24. The treasury has a system to protect you from yourself by confirming the schedule.