The special pension is highlighted between the Brazilians. See how you plan economy

Population expectations based on the 2022 demographic data of the Brazilian Institute of Geography and Statistics (IBGE) indicate that the aging of the population is a trend in Brazil. Between 2000 and 2023, the proportion of the elderly in the population was 8.7 % to 15.6 %. By 2070, 37.8 % of the population is expected to be 60 or larger. Among the frequent concerns of the aging of the population, the retirement is highlighted, especially after the recent changes in the Brazilian social security system. In this scenario, the country’s private pension has gained.

Joao Henrik Rabilo, a financial advisor and investment, explains that the main difference in special pensions for social security by the National Social Security Institute (INSS) is the fact that the applied system is the capitalization system. In this type of system, the taxpayer accumulates money for itself. On the other hand, Inss has a simple division system, as active workers’ contributions aim to retirees and retirees, without forming an individual reserve.

In private retirement, The process occurs through the private retirement agreement with a financial institution, such as the bank or the insurance company that works with investment funds. Contribution is made through a monthly amount that accumulates and generates profitability. When a person reaches retirement or decides to withdraw the value, withdraws at one time or in lower values ​​over time

“Another difference is that INSS is an obligation, especially for CLT. It provides, of course, the benefits of disability, the benefits of death, pensions, etc.. But the contribution is mandatory and is limited to the percentage of the taxpayer salary and is subject to government rules,” he explained.

Edrei Lael, a security lawyer, says that one of the factors generates the search for private retirement is the changes resulting from social security reform for 2019. “Reform has increased from the minimum retirement age, change the contribution time and reduce some benefits. Of course this generates uncertainty in people who planned to retire early or with high value, although there is a transfer base. The most peaceful, as you control it and do not depend on the legal limit or something similar. “

The private pension is also an alternative to completing the retirement provided by INSS, as it is possible to retire in both models. Another point that increases demand is the possibility of retirement or interest value is not enough to provide the quality of life after reducing the ability of the taxpayer.

“INSS will cover the basics, if it can cover, but it will hardly cover the standard of living of the taxpayer. Then he enters the special pension to cover this gap and accumulate capital,” Rapilo explained. Contribution to the private pension can begin at any time, without determining age or minimal value.

Rapilo also establishes that the social security issue has become an increased concern, but it is not an applicable alternative to all. There are people who do not need to invest in private pensions, but they can create a social security portfolio, with fixed income, real estate funds, shares and government and long securities.

“Social security rules tend to become more solid and this brings uncertainty in the future. This makes many people search for a special pension, but I still think that the record lacks taxpayers.

benefits

The private pension also includes tax benefits, depending on the pension plan. In the PGBL, there is a possibility to reduce up to 12 % of the annual income tax income. If a person has an annual income of $ 100,000, for example, he gets a delay – when the tax is postponed on the amount.

Flexibility in the ability to transfer plans, without tax payment, is also a possible alternative. Ease in the caliphate of heritage is another factor that attracts the parties concerned. When the accumulation of property occurs in the private pension, the shares are not included in the stock process. The current resources are paid directly to the beneficiaries referred to by the taxpayer during the establishment of the plan.

nursing

Social security planning, according to Rapilo, must be thought of as part of all. In addition, it is necessary to pay attention to financial planning, inheritance and stocks. Among the sponsorship of investment in social security funds, tax motivation must be aware of its personal file in making decisions and long -term goals. There are money fraught with risks or a conservative of others, as well as income depending on factors such as inflation.

Lil also indicates the importance of professional monitoring in the region during the process to assess risks and benefits, as well as prevent potential losses. “It is important to monitor the goals of those who choose this type of pension. It is a long -term goal and long -term investment. So, the person needs to be clear about what they do and have a commitment, because if he does not evaluate the commitment, he can stop in the middle of the process and this can give more damage than it really leads to profit,” the lawyer explained.

Planning also depends on the values ​​claims that the taxpayer wants as a retirement income, the assets needed to obtain this income and choose the pension plan, such as Free Benefit Plan (PGBL) or the life of a free benefits generator (VGBL). Another important point is to choose the income tax schedule, which in both lines has proceeds or progressive options.

Other important factors, according to the consultant, are to evaluate the quality of the plan manager, the available funds, the rules of pregnancy, and the management fees that are shipped and downloaded, which is a paid amount when submitting a request or rescue.