Investing money in fixed or variable income without leaving home is possible with financial application apps. They allow you to track operations and income in the palm of your hand, and some even provide information to learn more about investments. Among the apps of this type are Tesouro Direto, which guarantees the client's remuneration through the National Treasury, and Nuconta do Nubank, in which the money is invested in federal or private public securities.
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To learn more about the subject, dnetc has prepared a list of six options for investing money online. Available for both Android and iPhone (iOS), get to know the main functions, differentials, favorable and negative points of apps like BTG Pactual, Next, XP Investimentos and Bloomberg to invest safely by cell phone.
List of apps for investing money online has six options Photo: Pond5
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Considered one of the largest banks in Brazil and one of the main investment companies in Latin America, BTG Pactual created its own free digital account in order to offer better ways to invest money. Through the BTG Pactual Digital app, it is possible to invest through direct treasury, private fixed income, variable income, private pension and COEs. In addition, it has a great history of investment funds with high returns.
One of the bank's positives and differentials is its zero rate or the lowest possible investment costs. There is no charge for opening an account or transferring your money to other banks. A feature in which the digital account leaves it to be desired that there is no issuance of a credit or debit card, so in that case it is necessary to use a traditional account.
BTG Pactual allows you to make investments of different types Photo: Reproduo / dnetc
Nuconta, Nubank's digital account, aims to make life easier for customers with the absence of fares and queues. The money deposited in a current account yields automatically, and the service also allows the application of money in RDB (Bank Deposit Receipts), which are protected by the FGC (Guaranteed Credit Fund).
The account provides a yield of 100% of the CDI (Interbank Deposit Certificate), which prevents the money from standing still, making a profit greater than the savings itself. To register and start using Nuconta's services, simply download the application and provide the data requested at the time of registration.
Nubank's digital account has funds guaranteed by FGC Photo: Paulo Alves / dnetc
Next is a 100% digital bank from Bradesco. To open an account, simply download the app, fill in the necessary information and wait for approval. After that, the application provides a series of benefits to the customer, such as debit and credit card, payments, transfers and statements.
The app has an investment-focused area that separates applications into three categories: fixed income, funds and savings. One of the differentials that the digital bank allows you to find out is your investor profile and choose, among the options, which one best suits the client. Among the investment alternatives are CDB, Ibovespa and Multimercado Funds, among others.
App has an area focused only on investments Photo: Reproduo / dnetc
XP Investimentos is an independent stockbroker that belongs to the XP Group. It provides strategies provided by specialists with the aim of increasing the profitability of your money. In addition, one of the app's strengths is the informational catalog for beginners to learn how to profit from stocks, what assets to buy and how to acquire them.
The broker stands out for the exempt fees for various investment services, in addition to having agent offices throughout Brazil. The company, however, has high brokerage fees for stock exchanges, which can be a problem since the application is exclusively for investments, not being a digital account like the previous items.
Updated cell number requirement to confirm application registration Photo: Reproduo / Adriano
Direct treasury consists of bonds issued by the Federal Government and made available to people. The official application allows you to follow investments of the title in a quick and practical way. Transactions such as redemptions, extract statements, appointments and much more are possible through the app. In addition, Tesouro Direto is considered a great and safe option for investment in fixed income, guaranteeing income superior to savings.
One of the disadvantages is that it is only possible to invest with an amount equal to or above R $ 30. If the user needs, IOF (Tax on Financial Operations) is charged to redeem the money before 30 days, but after that period, the fee becomes exempt.
Calculation of investment in the title made with Tesouro Direto simulator Photo: Reproduo / Raquel Freire
Bloomberg is a reference company in the financial market. The app allows you to track all information about the area, currency quotes, various securities, interest rates and commodities. One of the great differentials of the application is the possibility of checking the daily news in the market and providing alerts with the main information about companies of interest to customers.
The app is directly aimed at sharing global news on the financial market, then different from the other apps on the list, which allow you to invest in different products through the app itself. Bloomberg is ideal for studying and understanding more about the area before actually making an investment.
Bloomberg allows you to monitor the financial market Photo: Divulgao / Bloomberg
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