O mercado de previdência privada no Brasil: análise das melhores alternativas de investimento previdenciário

Abstract

This article’s objective is to analyze the brazilian open private social security market and to know which are the best options in pension plans investment to the future beneficiary. It is explained the Social Security and the Private Social Security, explained the pension plans offered in the market, analyzed the brazilian open private social security market and found which are the best alternatives in pension plans investment. Were searched pension plans of the five biggest financial institutions in Brazil and each plan was analyzed under the perspective of three investors with different ages: 25, 40 and 55 years old. To know which of the plans analyzed is more indicated for each investor it is made a simulation with the same amount of contribution and interest rate for each plan, considering the administration taxes of each plan. VGBL plans are more indicated to whom that deduce income tax by simple form or is tax-free and the PGBL plans to whom that deduce income tax by complete form. It is possible to conclude that brazilian private social security market will continue increasing and the investor need to know that to acquire a pension plan need to analyze the market, choose the more appropriate plans using your profile and make a financial analyses to see which pension plan can provide the best financial yield.