For many Brazilians, the money saved in the savings account means security, but limits the earning potential 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 taking risks in more volatile investments
According to a study by the Brazilian Association of Financial and Capital Markets Entities (Anbima), 65% of Brazilians still keep savings as their main financial investment. However, this choice can often result in losses when the return is below inflation. Platforms like Smart Save offer a new way to monetize capital without requiring technical knowledge, using technology to turn small amounts into income opportunities
Marilucia Silva Pertile, startup mentor and co-founder of theStart Growth, 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 revives the habit of saving small amounts", but with a profitability differential and without the complexity of other investments. With the automatic rounding of values, she adapts the concept of the piggy bank to everyday life, promoting a safe and efficient way to save and invest, affirms
Solutions that facilitate the habit of investing
One of the biggest contributions of digital platforms is helping users to develop the habit of investing. Apps like Smart Save allow users to start investing simply and without pressure, allowing him to better understand his financial potential and feel more confident to explore new income opportunities
Marilucia highlights that the alternatives help people to form 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 details of the market, he can, yes, make the money grow. Financial learning comes organically, with the user gaining confidence in their results, comment to the specialist
She notes that the differential of Smart Save 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 vision of savings in Brazil
The 7th edition of the X-Ray of the Brazilian Investor, carried out by Anbima, showed that 37% of the population invests in financial products. Security is pointed out 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 is still the most common choice among Brazilians, there is a growing trend of diversification of investments, with greater interest in alternatives that offer better returns
With the growth of fintechs and digital tools, Mara believes that Brazilians will start to explore new ways to make 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, meeting the conservative profile of the country. Marilucia believes that, for many, these tools represent the first step in a journey towards financial autonomy
With the use of these platforms, increasingly more Brazilians, even those who limited themselves to saving, they start to acquire the habit of saving money in a practical and safe way, making room for new forms of economy,"comments. For her, Smart Save and other digital solutions are the starting point for an affordable and gradual investment, without neglecting safety
