Análise do perfil de investimento dos clientes de terceira idade de uma cooperativa de crédito localizada no interior do Rio Grande do Sul e Minas Gerais

Abstract

This study aimed to understand and analyze the investor profile of clients over 60 years of age at a credit union located in the interior of Rio Grande do Sul and Minas Gerais. To achieve this, a quantitative research was conducted with a sample of 200 investors. The results obtained meet the project's expectations since the majority of investors have a conservative profile, which indicates a greater preference for low-risk and highly liquid products, such as Savings Accounts. This is due to their knowledge about investments and their stage in life. It is also important to highlight the need for having an emergency fund available for unexpected events. Therefore, it is suggested that the credit union develops strategies to increase the number of investors in products with higher capitalization values. Additionally, they should equip themselves with effective product distribution and communication tools to reach their target audience. This can be achieved through seminars, event sponsorships, and financial advisory services, emphasizing transparency regarding fees, risks, and potential returns, thus meeting customer demands and fostering their loyalty to the credit union.