Poupar
Autor: Fanato Click S/A | Publicado: 2011-04-18T20:07:00-07:00

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Poupar é bem parecido com investir: você também abre mão do seu dinheiro temporariamente a fim de mais tarde ganhar algo com isso. Entretanto, muitos especialistas da área gostam de deixar bem clara a distinção entre poupar e investir, uma vez que no “poupar” você não escolhe onde e como o seu dinheiro será empregado - você simplesmente o empresta ao banco. 
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Apesar de muitas vezes compararmos com os investimentos, vamos também distinguir poupança de investimento, já que há várias diferenças entre elas (quanto ao tipo de liquidez ou à forma que se dá e calcula a remuneração, mas isso deixemos para discutir mais à frente, no artigo “A Caderneta de Poupança”, ok?). 
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;Podemos distinguir também um estágio intermediário entre o gastar e o poupar: o economizar. &nbsp;Você está economizando quando deixa de adquirir algum produto ou serviço com algum dinheiro seu a fim de poder mais tarde usar aquele dinheiro em algum outro benefício. A principal diferença entre o poupar e o economizar é que não há nenhum rendimento em cima daquilo que você economiza (gosto de comparar com o “guardar dinheiro na lata de biscoitos” - se você guardou R$ 100,00, após um ano ainda terá os mesmos R$ 100,00 lá, sem acréscimos ou decréscimos) enquanto que no poupar há algum tipo de retorno mensal sobre aquele valor. 
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Além disso, a poupança é o tipo de investimento (aqui empregado no sentido de que há algum retorno financeiro esperado) de mais baixo risco e, consequentemente, a rentabilidade esperada também é baixa.