Brazilian investors redeem funds to pay debts, study shows

A survey by Serasa in partnership with the Instituto Opinion Box found that three in ten Brazilians have some form of investment. Among those investors, 40% have already withdrawn applications to settle debts.

The research also indicated positive financial effects for investors: 43% say their situation improved after they began investing. Primary goals cited were financial independence (24%), creating a passive income source (21%) and acquiring major purchases such as a home or car (19%).

Barriers to entry were highlighted, with 41% of non‑investors reporting they lack spare money at month‑end and 20% pointing to insufficient knowledge. While 76% would like to learn more about investing, only 37% feel confident choosing products without professional help. Aline Vieira of Serada emphasized that “expanding access to financial education is essential for people to invest with confidence and develop healthier relationships with money.”

The study surveyed 995 respondents across all Brazilian regions between 10 and 24 October 2025.