For many Brazilians, money saved in savings means security, but limits the potential for gains compared to other investment options. With the advancement of digital solutions, new tools that combine security and profitability emerge as an alternative to this model. Smart Save emerges as a platform that allows automatic investments, without complications, 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 Markets Entities (Anbima), 65% of Brazilians still maintain savings as their main financial application. However, this choice often results in losses when the yield falls below inflation. Platforms like Smart Save bring a new way to capitalize on capital without requiring technical knowledge, using technology to turn small amounts into income opportunities.
Marilucia Silva Pertile, startup mentor and co-founder of Start Growth, a 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 public regarding finances. “The platform rescues the habit of saving small amounts, but with a profitability differential and without the complexity of other investments. With automatic rounding of values, it adapts the piggy bank concept to daily life, promoting a safe and efficient way to save and invest,” she states.
Solutions that facilitate the habit of investing
One of the greatest contributions of digital platforms is to help users develop the habit of investing. Apps like Smart Save enable users to start investing in a simple way and without pressure, allowing them to better understand their financial potential and feel more confident to explore new income opportunities.
Marilucia emphasizes that alternatives help people form a healthier relationship with money. “These tools are important to encourage recurrence, essential for any wealth building. The investor using Smart Save feels that, even without knowing all the market details, they can indeed make money grow. Financial learning comes organically, with the user gaining confidence in their results,” commented the specialist.
She notes that Smart Save’s differential lies in the combination of technology with ease of use, encouraging the population to build a financial future with a more practical approach.
Transforming the Savings Vision in Brazil
The 7th edition of the Brazilian Investor X-Ray, carried out by Anbima, showed that 37% of the population invest in financial products. Safety is cited 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 are still the most common choice among Brazilians, there is a growing trend towards diversification of investments, with greater interest in alternatives offering better returns.
With the growth of fintechs and digital tools, Mara believes that Brazilians are starting to explore 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 autonomy.
“With the use of these platforms, more and more Brazilians, even those limited to savings, are developing the habit of saving money in a practical and secure way, opening up space for new forms of economy,” she comments. For her, Smart Save and other digital solutions are the starting point for accessible and gradual investment, without neglecting security.
