Digital solutions offer alternatives to savings, providing greater profitability and security

For many Brazilians, saving money means security, but it limits the earning potential compared to other investment options. With the advancement of digital solutions, new tools that combine security and profitability emerge as alternatives to this model. Smart Save emerges as a platform that allows for hassle-free, automatic investments, accessible to those who still feel hesitant about taking risks in more volatile investments.

According to a study by the Brazilian Association of Financial and Capital Market Entities (Anbima), 651,000 Brazilians still maintain savings accounts as their primary financial investment. However, this choice can often result in losses when the return falls below inflation. Platforms like Smart Save offer a new way to maximize capital profitability without requiring technical knowledge, using technology to transform 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 market growth, believes the platform is a practical and modern alternative for those with financial insecurity. "The platform revives the habit of saving small amounts, but with a differential in profitability and without the complexity of other investments. With automatic rounding of amounts, it adapts the piggy bank concept to everyday life, promoting a safe and efficient way to save and invest," he 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 allow users to start investing simply and without pressure, allowing them to better understand their financial potential and feel more confident about exploring new income opportunities.

Marilucia emphasizes that these alternatives help people develop a healthier relationship with money. "These tools are important for encouraging recurring savings, which is essential for building wealth. Investors who use Smart Save feel that, even without knowing all the details of the market, they can make their money grow. Financial learning comes organically, with users gaining confidence in their results," comments the expert.

She notes that Smart Save's unique feature lies in its combination of technology and ease of use, encouraging people 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 371% of the population invests in financial products. Security is cited as the main advantage of financial investments, cited by 441% of investors, followed by financial returns (281%) and liquidity (61%). This data shows that, although savings accounts are still the most common choice among Brazilians, there is a growing trend toward investment diversification, with greater interest in alternatives that offer better returns.

With the growth of fintechs and digital tools, Mara believes Brazilians are beginning 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 the value in simplifying the investment process, catering to the country's conservative profile. Marilucia believes that, for many, these tools represent the first step on a journey to financial independence.

"With the use of these platforms, more and more Brazilians, even those who used to limit themselves to savings, are acquiring the habit of saving money in a practical and secure way, opening up new ways to save," she comments. For her, Smart Save and other digital solutions are the starting point for accessible and gradual investment, without compromising security.