What is the Educa+ Treasury and how to simulate your investment?
Preparing their children's educational future is a constant concern for many parents. Therefore, Tesouro Direto has just launched Tesouro Educa+ , a new fixed income security designed exclusively for the future and education of children. However, is it worth investing in the Educa+ Treasury? Check out the article below how this title works, its main characteristics and whether it is an advantageous investment. summary Watch the video: How does Treasury Educa+ work? What is the Educa+ Treasury? How the Educa+ Treasury works Monthly Flows Custody fee Income tax Minimum investment Gradual investment Collective contribution How to simulate to know how much to invest in Educa+ Is it worth investing in the Educa+ Treasury? Final considerations Watch the video: How does Treasury Educa+ work.In this video, Marilia Fontes explains in detail what Treasury Educa+ is and how it works, a new Treasury Direct title focused on investing in your children's education. What is the Educa+ Treasury? The Educa+ Treasury is the newfixed income securityof Tesouro Direto, created with the intention cell phone number list of helping families prepare to pay for their children’s college education. The idea is that parents can contribute resources from the first years of their children's lives, this way, it is possible to guarantee a solid financial reserve to pay for university studies. It is worth remembering that Tesouro Direto already had the Renda+ title, aimed at retirement. Now, there is also an option aimed at guaranteeing the studies of young people. How the Educa+ Treasury works Renda+ works in a similar way toIPCA+ Treasury, but instead of receiving everything at maturity, the investor receives a monthly amount over 20 years. Educa+ is very similar, but monthly payments, from the date of conversion, last five years.
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Which is the average time for a college. In this way, this bond is similar to other Treasury bonds, but with a specific focus on education. To help, understand some of the main characteristics. Monthly Flows As we mentioned, the difference with Educa+ is in the payback period. After reaching the conversion date, investors start receiving monthly inflows. These payments extend over a period of 5 years which, on average, coincides with the duration of a degree. Custody fee The Educa+ Custody fee is low. If you take the investment until maturity and have to receive up to four minimum wages, there will be no custody fee. If the amount is above 4 salaries, the custody fee will be 0.10%. Now, if you sell the title in advance, the rate varies between 0.5 and 0.10%, depending on how long you have had the title.
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