São Paulo, Brazil, October 15, 2026 – Nubank today launches Nu Smart Invest, a new investment experience that helps customers understand the health of the portfolio they hold with the digital bank and make decisions with more confidence and autonomy. Using a smart, impartial methodology based on five pillars (diversification, return, liquidity, protection and efficiency), the tool shows each person how to reach their goals. It gives the portfolio a score of up to 1,000 points, identifies areas of opportunity and recommends assets to optimize it, according to the customer’s profile and goals.
The launch comes at a time when investors must navigate an increasingly broad and complex market while questioning whether the recommendations they receive from banks and traditional institutions are truly the best for their goals. With Nu Smart Invest, Nubank expands its presence in investments and offers an experience free of commercial conflicts.
“Investing shouldn’t mean choosing among dozens of options without understanding what makes sense for each person. Nu Smart Invest starts from where the customer is, shows how their portfolio is allocated and brings clarity to the possible next steps. It is an experience built to give customers more information and confidence as they build their wealth,” says Patricia Whitaker, Investments Director at Nubank.
Data intelligence to simplify decisions
Nu Smart Invest uses data intelligence and AI to make an impartial diagnosis of the portfolio and present personalized suggestions. The technology cross-references information about the customer’s investments, risk profile and goals. The tool also explains each recommendation, showing how it relates to the portfolio, the customer’s goals and the pillars assessed.
Wealth projection and scenario comparison
Nu Smart Invest also offers a wealth projection. Customers set how much they plan to invest each month and compare scenarios based on the asset classes already in their portfolio. This way, they can see how their wealth may grow over time and understand the impact of each decision on their financial goals.
The goal is to turn a snapshot of the portfolio into a clearer view of the road ahead. Customers understand where they stand, identify what they can adjust and stay in control of the decision to invest, change their allocation or simply keep tracking their progress.
“We are building an investment experience that combines technology, transparency and scale. The goal is not to replace customers’ autonomy, but to offer better information so they can decide with more clarity,” says Whitaker.
Nu Smart Invest is being rolled out gradually to customers in the Nubank app. Availability and features may vary according to the customer’s profile and the evolution of the experience.