A evolução da presidência complementar no Brasil: vale a pena investir para se aposentar?

Abstract

From the historical evolution of retirement plans is possible to say that the private retirement is an alternative to Social Security which gets worse with the increase in life expectancy among Brazilians. My question is: what factors are taken into consideration in the purchase and habilitation of superannuation a plan of supplementary schemes? What are the regulatory bodies and which is its role? What information shall be made available to customers therefore it is a contract of consumption? Taxation has a big influence on investments. The tax determined by the federal government on the application in Foresight Complementary stimulates the long term investment and the investor's decision. What are the tools available to monitor the profitability of the amount applied and the solidity of the entity of foresight Private? Analyzing the moments of purchase and retirement and factors that should be considered by customers, I hope I have conclusions on the systematic Supplementary schemes; as well as alert on the roles and responsibilities of the participant and the entity of foresight without disregarding the social character of the private retirement plans. The evaluation strategy was to survey conceptual and quantitative research. A questionnaire with 15 questions was applied to professionals that work in the foresight private market and in other professions; this material is the basic tool to analyze the results presented, with two more case studies together. The foresight complementary market still presents an enormous potential of development in Brazil, increase the covering, modernization, flexibility of the regulation and fiscalization of the sector. The recent news about the spreading of the first Brazilian Mortality Table is putting into motion this market and it will make possible the launching of new products