Private pension highlighted in Brazilians; See how to plan | The economy

Population estimates show that the population aging is a tendency to be a tendency to be based on the Brazilian Institute of Geography and Statistics (IBGE )’s 2022 population census data. Between 2000 and 2023, the ratio 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 older. Among the recurring concerns of the aging population, the retirement is highlighted, especially after recent changes in the Brazilian social security system. In this scenario, private pension is gaining importance in the country.

Jono Henrick Robo, Financial and Investment Advisor explained that the main difference in private pension for social security by the National Institute of Social Security (INSS) is the applied system capitalization regime. In this type of rule, the taxpayer accumulates money for him. INSS, on the other hand, has a general division regime, in which the works of active workers are intended for retirement and pensioners, without setting up a personal reserve.

In private retirement, the The process is done through a private pension agreement with a financial institution such as a bank or insurance company that works with investment -funded. This cooperation is done by the monthly amount, which accumulates profitability. When the person arrives at retirement or decides to withdraw the value, withdrawal can be done with less values ​​at a time or over time

“Another difference is that INSS is a responsibility, especially for the CLT. It provides the benefits of disability, death pension, death pension and so on. However, cooperation is mandatory and subject to taxpayer’s salary and government rules.”

One of the factors producing search for private retirement, a security lawyer, predicts changes that arise through the 2019 social security reform. “The reform has increased the minimum age, has changed cooperative time and reduced some benefits. Despite the transformation rule, it creates uncertainty among people who are planning to retire with earlier or high value. It is like a private pension, which guarantees more calm management, and that you have a restriction or legal limit.”

Private pension is an alternative to complete the retirement of InsS, as it is possible to retire in two forms. Another thing that increases the demand is that the possibility of retirement or benefit value is not enough to supply the quality of life after the taxpayer has reduced the work capacity of the taxpayer.

“If the INSs cover the basics, it can be covered, but it does not cover the living standards of the taxpayer. Then, the private pension enters this gap and enters the capital,” Robelo explained. Without pre -determining the age or minimum value, it can start cooperation in private pension at any time.

Robo also predicts that the social security problem has become an increasing concern, but this is not a practical alternative to all. There are people who do not need to invest in private pension, but can establish a social security portfolio with fixed income, real estate funds, stocks, government securities and long term.

“The rules of social security have a tendency to become more vision and it brings uncertainty to the future. It is still looking for a private pension, but I still think that there are no records in the minds of many taxpayers. I still think that Brazilian has a lot of ways to travel in many ways.”

Benefits

The private pension also has tax benefits depending on the plan. In the Free Benefit Generating Plan (PGBL), it is possible to reduce the annual income tax revenue to 12%. If a person has an annual income, 000 100,000, for example, they will be postponed – when the tax is postponed.

Flexibility in the portability of plans, without tax payment, is also an alternative. Another aspect of the heritage inheritance is another factor that attracts interested parties. In the event of property accumulation in private pension, equity is not included in the list process. The taxpayer is paid directly to the beneficiaries prescribed by the taxpayer when creating the current resources plan.

Care

The Social Security Plan, according to Robelo, needs to be considered a part of the whole. In addition, it is necessary to pay attention to the economic, heritage and equity plan. In order to invest in social security funds, the taxpayer needs to know about his own profile in making a decision and his long -term goals. Depending on inflation, there are dangerous or traditional funds than others.

Lal also points out the importance of professional supervision in the region to evaluate losses and benefits, as well as prevent possible risks. Lawyer explained, “It is important to note the goals of this type of pension. This is a long -term goal and investment is long term. So, the person must be clear and committed to what they are doing, because if they do not assess the commitment, they can stop in the middle of this process and that it will give more damage.”

Plan also depends on the arguments of values ​​that the taxpayer wants to be the income in retirement, the assets required to obtain this income and select the pension plan Free Benefit Generator Plan (PGBL) or Free Benefit Generator Life (VGBL). Another important thing is that the choice of the income tax table, the two plans or progressive options.

Other important aspects, according to the adviser, assess the quality of the plan manager, available funds, portability rules, maintenance fees and load fees, which is the amount of payment or rescue.