Fatores que motivam os investidores brasileiros a optarem pela poupança

Abstract

The present work has the general objective of verifying the reasons why Brazilian investors choose to allocate their resources to savings instead of other investments that can bring a higher profitability, conceptualizing and showing the main characteristics of savings and the main Direct Treasury securities, in theory and practice by comparing their returns in order to analyze the investment that will bring the best return to the investor. The methodology applied to the work is quantitative through secondary data, through the main financial market socioeconomic entities. The variables selected to understand the behavior of savings investments were Treasury bonds, GDP per capita, inflation (as measured by the IPCA), the Ibovespa index, the average income of the population and the level of unemployment and education of Brazilians, between 2001 and 2019. In order to identify whether Brazilian investors are actually investing their money by putting it in savings, or if they are just saving it to avoid unnecessary spending.