Com se planejar financeiramente para não depender do INSS?
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Data
2023-06-06
Tipo de documento
Artigo Científico
Título da Revista
ISSN da Revista
Título de Volume
Área do conhecimento
Ciências Sociais Aplicadas
Modalidade de acesso
Acesso aberto
Editora
Autores
Silva, Ingrid
Ferreira, Matheus
Carrascosa, Murillo
Sousa, Yasmin
Orientador
Fernandes, Wellington
Coorientador
Alberto, Carlos
Resumo
A aposentadoria é um dos assuntos mais comentados no quesito futuro financeiro de cada um, pois com as mudanças nas regras da aposentadoria pelo sistema do INSS, ficou mais difícil se aposentar com uma renda confortável, devido ao aumento da faixa etária, que atualmente está 65 anos para os homens e 62 para as mulheres. No sistema INSS, existem alguns tipos que é fornecido aos contribuintes, onde cada opção tem um pré-requisito diferente, podendo ir de aposentadoria por invalidez a aposentadoria por idade ou tempo de contribuição, porém existem também algumas outras opções de investimentos que são boas opções para que possa complementar a aposentadoria no INSS, caso contribuinte desse benefício não esteja satisfeito com a renda que irá receber no futuro, então com essas outras opções, sejam elas previdência privada, títulos públicos ou títulos privados bancários, podem auxiliar no complemento da renda da aposentadoria, porém o contribuinte deve ter em mente as vantagens e desvantagens de cada título, assim como o imposto sobre o rendimento que deverá pagar no resgate, e a taxa de rentabilidade que seu título está atrelado.
The retirement is one of the most commented subjects in terms of the financial future of each one, because with the changes in the rules of of retirement through the INSS system, it became more difficult to retire with a comfortable income, due to the increase in the range age group, which is currently 65 years for men and 62 for women. In the INSS system, there are provided to taxpayers, where each option has a different prerequisite, being able to go from disability retirement to retirement by age or contribution time, but there are also some diferents options investments that are good options for you to complement your retirement at the INSS, if the contributor to this benefit does not satisfied with the income you will receive in the future, then with these other options, be they private pension, public government bonds or private bank bonds, can help complement retirement income, however, the taxpayer must keep in mind the advantages and disadvantages of each title, as well as the income tax on the yield you will have to pay on redemption, and the rate of return to which your bond is pegged.
The retirement is one of the most commented subjects in terms of the financial future of each one, because with the changes in the rules of of retirement through the INSS system, it became more difficult to retire with a comfortable income, due to the increase in the range age group, which is currently 65 years for men and 62 for women. In the INSS system, there are provided to taxpayers, where each option has a different prerequisite, being able to go from disability retirement to retirement by age or contribution time, but there are also some diferents options investments that are good options for you to complement your retirement at the INSS, if the contributor to this benefit does not satisfied with the income you will receive in the future, then with these other options, be they private pension, public government bonds or private bank bonds, can help complement retirement income, however, the taxpayer must keep in mind the advantages and disadvantages of each title, as well as the income tax on the yield you will have to pay on redemption, and the rate of return to which your bond is pegged.
Palavras-chave
INSS, Renda Complementar