Investimentos na poupança aumentam
Neste cenário desafiador causado pela pandemia da covid-19, quem pode contar com uma reserva financeira vem conseguindo equilibrar melhor as contas e passar menos sufoco. O brasileiro possui um perfil conservador quando o assunto é investimento, e essa confiança segue firme. De acordo com o Banco Central do Brasil, só no mês passado, os valores de depósitos superaram os de saque em R$ 7,017 bilhões. Esse resultado se consolida pelo oitavo mês consecutivo.
E os investimentos na poupança não estão em alta apenas em instituições financeiras tradicionais, as cooperativas de crédito também mostram números positivos. Mesmo com a crise econômica, o Sicredi superou, no Brasil, a marca de mais de R$100 bilhões em depósitos e fundos de investimento, com crescimento de 43% em relação a dezembro de 2019. A poupança foi uma das responsáveis pela alta, com R$20,7 bilhões em depósitos.
“A caderneta poupança é um investimento acessível, simples e seguro, com rentabilidade garantida e pode ser a porta de entrada para o início de um planejamento financeiro. O investimento inicial é de R$ 20 para pessoas físicas e R$ 100 para pessoas jurídicas. Outra vantagem é a liquidez, que permite sacar o investimento a qualquer momento”, afirma Sandra Bradley, gerente de negócios da Sicredi Recife.
Para quem quer ser um poupador, e correr menos riscos, a alternativa é procurar cooperativas de crédito, que oferecem assessoria financeira e investimentos de forma segura, já que as instituições trabalham com o Fundo Garantidor do Cooperativismo de Crédito (FGCoop), com garantia de até R$250 mil por associado.
“A Sicredi Recife possui a Poupança Tradicional, destinada ao público em geral, sem necessidade de ser associado. A Poupança Integrada que é vinculada à conta corrente dos associados e a Poupança Programada, permitindo que os recursos em conta corrente dos associados sejam aplicados automaticamente, de acordo com a programação escolhida, ajudando a gerenciar o seu fluxo de caixa”, explica Sandra Bradley.
Além do suporte personalizado, o investidor ainda conta com canais de atendimento nas plataformas digitais. “Nosso poupador tem acesso ao Gerenciador de Investimentos, onde ele pode direcionar seus objetivos e definir metas para atingi-los, além de ser lembrado de poupar para realizar seus sonhos. É um aplicativo bem legal e simples de usar”, finaliza a gerente de negócios.
Fonte: Dupla Comunicação
Foto: Internet
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