Treasury Reserve It is a new alternative emerging in the government bond market, offering investors an accessible and practical option for building emergency reserves.

In this article, we will explore in detail the features and functionalities of this financial product, which allows withdrawals at any time with the convenience of Pix.

Starting from just R$1, the Tesouro Reserva (Brazilian Treasury Reserve) proves to be an attractive option, especially for Banco do Brasil account holders, who have access to an innovative platform to manage their investments.

We will also analyze the comparison with other fixed-income products, such as Certificates of Deposit (CDBs), and their tax implications.

Introduction to the Treasury Reserve

The Tesouro Reserva is a new government bond aimed at those who want to build an emergency fund simply and securely, as it combines easy access, a low down payment, and a proposition designed for those who need liquidity without sacrificing predictability.

Furthermore, it serves investors well who are looking to organize their money for unforeseen events, since withdrawals can be made at any time and the funds are deposited via Pix, which reinforces its usefulness in everyday life.

• Minimum investment of R$ 1allowing you to start with little money.
• Yield linked to the Selic rate, following the basic interest rate
• Redeem anytime via Pix, with practicality for emergencies

As a result, the product stands out as an accessible alternative for small investors who value control, liquidity, and low risk, especially within a financial protection strategy.

Investment and redemption process

Investing in Treasury Reserve bonds through the Banco do Brasil app is a simple and accessible process for all account holders.

With just R$1, you can make your investment and take advantage of the liquidity the security offers, allowing withdrawals at any time.

The ease of receiving payments via Pix ensures your money is available immediately, providing greater convenience and speed in your financial transactions.

Exclusive access for BB account holders.

The Tesouro Reserva (Reserve Treasury) is only available to Banco do Brasil account holders, reinforcing its proposition of exclusive access within the BB Investments app.

Exclusivity This is one of the product's main differentiators, as only bank clients can invest, with an initial investment starting from R$ 1 and daily liquidity via Pix.

Furthermore, the investment has a monthly limit of R$ 500 per investor, which helps to organize the offering and maintains the focus on emergency reserves with simplicity, security, and returns linked to the Selic rate.

Instant liquidity via Pix

Immediate liquidity The great advantage of Tesouro Reserva is that the redemption is credited to your account in seconds via Pix, 24 hours a day, including weekends and holidays.

As soon as you request a withdrawal through the BB Investments app, the system processes the transaction continuously and sends the funds almost instantly to your Banco do Brasil account, without you having to wait for banking hours.

Furthermore, since there is no mark-to-market valuation, the balance does not suffer negative fluctuations along the way, which reinforces security for those who need to access the money quickly in an emergency.

Security and stability of capital

The absence of mark-to-market valuation in the Treasury Reserve strengthens the perception of security because investors see their balance evolve in a stable manner, without negative fluctuations caused by price variations in the secondary market.

In this way, those who prioritize capital protection find a more predictable environment, since the invested value does not suffer a temporary reduction due to interest rate movements or changes in the mood of financial agents.

The balance does not experience volatility.

This is especially relevant for emergency reserves, as it prevents surprises precisely when rescue may be necessary.

Furthermore, this structure reduces the behavioral uncertainty that often deters small investors from public fixed income investments.

Instead of tracking stock prices and fearing short-term losses, the investor observes a return linked to the Selic rate with greater clarity and simplicity.

Thus, the Tesouro Reserva (Brazilian Treasury Reserve) combines liquidity, stability, and low initial investment, which increases its attractiveness for those who want to preserve their money with less anxiety and more control.

Comparison with Certificates of Deposit (CDBs) and other fixed-income alternatives.

• Liquidity and practicalityThe Treasury Reserve allows continuous redemption via Pix and tends to better serve those who prioritize quick access to their money.
• Security and predictabilityIt is not subject to mark-to-market valuation, thus avoiding negative fluctuations in its balance, something that can be problematic in other stocks.
• ProfitabilityDaily liquidity CDBs can pay more, especially when they offer percentages above 100% of the CDI, while Treasury Reserves tend to follow the Selic rate.
• Application limitThe Treasury Reserve has a limit of R$ 500 per investor per month, which reduces its appeal for larger amounts.
• Strategic choiceUse Treasury Reserve bonds for emergency savings and simplicity; while a Certificate of Deposit (CDB) may be more suitable when the priority is to seek higher returns with similar liquidity.

Taxation and costs

In the case of Treasury Reserves, taxation follows the rules for public fixed income, therefore the gain is adjusted by... Income Tax with a regressive table.

Up to 180 days, the rate is 22,5%; from 181 to 360 days, it drops to 20%; from 361 to 720 days, it is 17,5%; and above 720 days, it reaches 15%.

Therefore, the longer the term, the lower the income tax.

Furthermore, withdrawals made before 30 days may be subject to a fee. IOFwhich applies regressively only to profits, reducing returns on very quick withdrawals.

Term	IR rate
up to 180 days	22,5 %
181 360 the day	20 %
361 720 the day	17,5 %
Over 720 days	15 %

Source: tax rules for public fixed income and market information on income tax and IOF in the Direct Treasury.

In shortThe Treasury Reserve presents itself as an innovative and practical option for small investors seeking liquidity and simplicity in their financial investments.

With its unique characteristics, it can be a good addition to a portfolio, although it doesn't completely replace other more profitable investments.