For many Brazilians, money saved in a savings account means security, but it limits the potential gains compared to other investment options. With the advancement of digital solutions, new tools that combine security and profitability are emerging as alternatives to this model. Smart Save is a platform that allows automatic investments, hassle-free, and accessible to those who still feel insecure about risking in more volatile investments.
According to a study by the Brazilian Association of Financial and Capital Market Entities (Anbima), 65% of Brazilians still consider savings accounts as their main financial investment. However, this choice can often result in losses when the return falls below inflation. Platforms like Smart Save bring a new way to monetize capital without requiring technical knowledge, using technology to turn small amounts into earning opportunities.
Marilucia Silva Pertile, startup mentor and co-founder ofStart Growth, the company that invested in Smart Save to boost its growth in the market believes that the platform is a practical and modern alternative for the more insecure audience regarding finances. "The platform restores the habit of saving small amounts, but with a differential in profitability and without the complexity of other investments. With automatic rounding of values, it adapts the piggy bank concept to everyday life, promoting a safe and efficient way to save and invest," it states.
Solutions that facilitate the habit of investing
One of the greatest contributions of digital platforms is helping users develop the habit of investing. Apps like Smart Save enable users to start investing easily and without pressure, allowing them to better understand their financial potential and feel more confident to explore new earning opportunities.
Marilucia highlights that the alternatives help people develop a healthier relationship with money. "These tools are important to encourage recurrence, essential for any wealth building. The investor who uses Smart Save feels that, even without knowing all the market details, they can indeed make their money grow. Financial learning comes organically, with the user gaining confidence in their results," comments the specialist.
She notes that Smart Save's differential lies in the combination of technology with simplicity of use, encouraging the population to build a financial future with a more practical approach.
Transforming the vision of savings in Brazil
The 7th edition of the Brazilian Investor X-ray, conducted by Anbima, showed that 37% of the population invests in financial products. Security is identified as the main advantage for financial applications, mentioned by 44% of investors, followed by financial return (28%) and liquidity (6%). These data show that, although savings remain the most common choice among Brazilians, there is a growing trend of diversification of investments, with increased interest in alternatives that offer better returns.
With the growth of fintechs and digital tools, Mara believes that Brazilians will start exploring new ways to make their money grow. The integration of platforms like Smart Save with banks and financial institutions shows that the market already sees value in simplifying the investment process, catering to the country's conservative profile. Marilucia believes that, for many, these tools represent the first step in a journey towards financial independence.
"With the use of these platforms, more and more Brazilians, even those who limited themselves to savings accounts, are adopting the habit of saving money in a practical and secure way, paving the way for new forms of economy," he comments. For her, Smart Save and other digital solutions are the starting point for affordable and gradual investing, without compromising security.
