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Retirement Plans from R$ 50 to help ensure kids' college

02/18/2013

This article was translated by an automatic translation system, and was therefore not reviewed by people.



 



The engineer Marcos de Souza began investing in retirement when his son was two years

At 2 years, Felipe Bibian, now 22, was not even close to learning to read. But his future college began to be paid. That's because the boy's father, the engineer Marcos de Souza, 53, invests since 1992 in a type of fund that is gaining in popularity: the pension plans for minors, who have monthly deposits from R$ 50. In the future, the money can be used for educational expenses. 

- I did the math, and found that longer worth applying for 20 years, than having to pay for everything in four or five - says Marcos de Souza. 

An application in savings, with the current interest of 0.41%, would yield up to R$ 5,611 less, according to Professor Ibmec Gilberto Braga. By investing R$ 100 per month for 15 years, could join R$ 32,253 at retirement, whereas in traditional notebook, the accumulated value is R$ 26,641. 

The big difference between this type of security model and conventional - retirement - is that it has a specific time to receive the benefit of four or five years. 

According to the president of the National Federation of Private Pension and Life (Fenaprevi), Osvaldo do Nascimento, the sector is growing, especially among the new middle class.

- We like the fact that deposit a fixed amount, because it becomes a routine - says. 

In the case of Philip, the money will have another order. He went to a public college.

- I believe in using it in retirement - tells the boy, who now have R$ 47,000 in your fund application. 

Value must be evaluated

Specialist teacher in private pension Foundation Institute of Accounting, Actuarial and Financial (Fipecafi) and managing partner Dr. Security Site (http://drprevidencia.terra.com.br), Silvio Passion explains that the sooner parents begin to apply, the lower the monthly payment. 

- Ideally, one would like to know how much per month to pay for college in the future. And from there, decide what value should be applied monthly in financial institution - explains.

A simulation done by finance professor Ibmec Gilberto Braga, at the request of EXTRA, shows that an investment of R$ 100 monthly for 15 years can yield a monthly benefit of R$ 671, for four years, when young turning 18. But, he said, is essential to monitor the application every six months. 

- It is very important to check the evolution of the accumulated balance in relation to the intended purpose, and make the necessary adjustments - says. 

Pension plans have the possibility of migration (portability): exchange fund or bank without paying fines.

 

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Source: Extra - Online

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This article was translated by an automatic translation system, and was therefore not reviewed by people.

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