Once you have your Brazilian brokerage account open, follow these steps to invest in fixed income securities.
How to invest
Tap Save > Invest.
Choose the asset – you can use the filters (e.g., maturity, risk) and sorting (e.g., minimum investment).
Enter the amount you want to invest.
Review the transaction and confirm.
Once confirmed, an investment order cannot be cancelled. Review the conditions carefully before you confirm.
Is there a minimum and maximum amount?
The minimum amount varies by security and it is shown on the details of each asset.
The maximum depends on the available stock, which changes throughout the day as other investors buy each security. This doesn't apply to Tesouro Direto.
CDB, LCI, LCA, CRI, CRA and debentures are bought in whole units – multiples of 1. Tesouro Direto can be bought in multiples of 0.01.
When can I invest?
Purchases can be made on business days, Brasília time:
Bank and corporate securities (CDB, LCI, LCA, LC, LF, CRI, CRA and debentures): 10 am to 3 pm in the primary market, and 10 am to 4:30 pm in the secondary market.
Tesouro Direto: 9:30 am to 6 pm.
When does the money leave my account?
The moment you confirm the order, the funds are blocked – the transaction shows as pending, but that money can't be used for withdrawals or other purchases. You can find pending trades in 'Open orders' in the Save tab.
Settlement happens at 6 pm, and when depends on the security:
CDB and other bank-issued securities: settle the same day at 6 pm.
Tesouro Direto: settles the next business day at 6 pm.
At settlement the security enters your portfolio and the amount is debited from your balance in reais. Every investment generates a receipt once, available in the detail of the transaction itself the day after it settled.
Fixed income investment services in Brazil are provided by Genial Investimentos Corretora de Valores Mobiliários S.A. (CNPJ No. 27.652.684/0001-62), a brokerage firm authorized and regulated by the Brazilian Securities and Exchange Commission (CVM). The information provided is for informational purposes only and does not constitute investment advice, investment consulting, or a recommendation to invest. Any investment decision is the sole responsibility of the investor and should take into account their investment objectives, risk profile, and financial situation.