Clipping of news on Brazilian Culture, Law and Citizenship
02/04/2016
This article was translated by an automatic translation system, and was therefore not reviewed by people.
transparent image
With the sanction of rule revision 85/95, a new perspective opens up for those who wish to retirement and enjoy the golden years peacefully. However, will rely only on the benefit of the National Institute of Social Security (INSS) is the best option for those seeking retirement, or you need to seek options to supplement the income? IG spoke with financial educator Rafael Seabra, blog founder Want to Get Rich, and financial educator and therapist financial Reinaldo Domingos, president of the Brazilian Association of Financial Educators (Abefin), which gave tips to plan and enjoy retirement.
It is important to seek alternatives to INSS for one to supplement income
To begin planning, he warned that the person retires without being committed to the income, ie without spending more than you earn. So it is important to look for opportunities to not face disorders. "It is very difficult to make that change [zero spending and accounts] after retiring. This balance must be sought before, "said Seabra. He also says that people often fail to be financially independent after retirement, needing to depend on family members or even continue to work to supplement the income.
The net income shall be directed to investments?
Both financial educators argue that the ideal is to invest at least a total of 10% of personal income in retirement planning. "In addition to investing this percentage of earnings each month, you need to have the discipline to apply as soon as they receive their salary, because it is unlikely that there is a resource to spare if they do not prioritize investment. So in fact, one needs to think 'if I make R$ 2000, I actually gain 1800' because you need to have 10% of income for investment in retirement, "says Rafael Seabra.
Seabra also says that if the individual feel at ease and have the perception that their financial situation is favorable, it may prove to invest a higher amount.
Reinaldo Domingos emphasizes that there must be, above all, a good planning. Investors need to keep in mind the value it must have to achieve a sustainable retirement, that is, it needs to have a clear objective.
"One needs to build a financial reserve that can give you twice her standard of living of monthly income. For example, a person has a cost of living R$ 5 mi She must accumulate at least a store of value to give. income for her R$ 10,000. it does not help the person simply saving money on security or Treasury Direct, if she does not even know the number of your shoe, "says Dominic.
What is the ideal time to start investing in retirement?
For Rafael Seabra, the sooner the better. "There are two factors that greatly contribute to the return in the long term. One of them is the growth rate that the person will get and the other is time. So the higher the rate and the more time the money is applied, the growth will be higher as it is exponential, "he explains.
He also reports that many parents are already investing in pension plans for their children because it can make a big difference in the future. "If you are a parent who already has a small child or is about to have a child, get organized to separate a part of your income that does not need to be so significant in the beginning," he advises. He also says that these investments to their children may have other destinations beyond retirement, as a fund to pay privida college.
Reinaldo Domingos explained that the earlier a person begins to invest, the lower your effort, since it will have interest in your favor. "The most important application is not that the decision making the reservation."
Do not depend on INSS: investing in Treasury is essential for the educator
One possibility mentioned by Seabra is the medium and long term investment, one of the best - appointed by the expert - is to invest directly in government treasury bonds to raise funds over working time and in the future, complementary retirement. Seabra is adamant in maintaining that it is necessary that the insured does not depend only on the INSS, but also have a supplementary pension. "For a long time people thought that there was only it [retirement by INSS], then you had to accept a changing pattern of life ahead. And over time people understood that they need not accept the INSS ceiling and could supplement the income, "he explains.
On the issue of investment, financial educator says that the ideal is to try to avoid investments in banks because of the management fees that these institutions charge. "The person will have to be more disciplined. In the same way she would have to contribute every month to the pension plan, it will have to have the discipline to go there and invest. The financial advantage is too great for those who can have this routine, "he says.
Investment in Treasury Direct is very affordable, says JJ, because it protects the heritage of the individual. "Having a specific title in the Treasury which is the IPCA + Treasury ensures that investment variation of inflation plus a fixed fee. It ensures that the assets of the person will be protected from inflation because it will change all that inflation vary and will still yield over 7% per year. "
How to invest in Treasury Direct?
To invest in Treasury, you must first register in a financial institution or broker registered with the Central Bank. After registering, the steps can be performed via the Internet:
- Analyze the titles available, choose what you consider best (relating deadlines and returns);
- Transfer the desired amount of money to the account of the institution.
What if the person you want or need to recover the money before the deadline?
The customer can withdraw the amounts invested in Treasury Direct ahead of schedule on paper, if desired. However, Rafael Seabra makes a reservation on the issue. "You can do this, but in private pension plans fees costs are generally higher than in investment in government bonds."
The financial educator explains that fees are charged in case of withdrawal of values ahead of schedule, and that such costs can erode almost all the profitability of person and damage their heritage. "These investments are long term, but redemptions of Treasury bills can be made daily, as in the savings account. The money is in your account, you can withdraw, and only pay income tax on the amount redeemed, not levied on the total assets which was applied "talks.
But what are the titles available on the Treasury?
There are two divisions of the Treasury bonds: fixed rate and post-feixados. Fixed-rate are those in which the investor knows exactly the amount you receive it is entitled to its deadline. As for the floating rate, are those that are fixed by an index such as the prime rate (Selic) and inflation (IPCA). Thus, the yield of the security depends on the purpose of the index and the rate obtained at the time of acquisition.
Cofira each title as described in the Treasury official website:
What is Treasury Fixed (LTN)?
The payment of this title is just down the application. It is more suitable for those who do not need an immediate complement to income. For each title purchased, the investor receives R$ 1000, and receipt of value is the established date. The profitability of the title is shown in the difference between the amount received at the end and the amount paid at the time of purchase of the security itself.
If the investor need to sell the security before the deadline for any reason, the National Treasury will pay the market value of it, which may affect the profitability of positive or negative depending on the price that the title is when it is sold. For this reason, the Treasury recommends that try to reconcile the security's maturity date purchased with the time required for investment.
What is Treasury Fixed Interest with Semi (NTN-F)?
The payment of this title there is the incidence of Income Tax (IR). According to the Treasury, it is more suitable for those who intend to use the proceeds to supplement income after application, as the title makes interest payments every six months, in other words, the income is received during a period in which the application is carried out, unlike the Treasury Fixed (LTN), in which the value is given at a specific time.
If the investor's plan is to reinvest the amounts received every six months, the Treasury says it's more interesting to invest in a security that pays no interest semi-annually. According to the Treasury, in a title in which the income tax is collected only at the end of the application, it can ensure that the rate of return relates to a higher amount, and there are no reductions due to the IR discounts on events payment of semiannual interest.
If this title is held to maturity, the investor receives R$ 1000 plus the final payment of semiannual interest. The rules for title presale are the same Treasury Fixed (LTN).
Postset
What is Selic Treasury (LFT)?
The Treasury recommends this title to those who believe that the trend of the Selic rate is increasing, and the profitability of it is tied to this rate. The agency says that this is a more appropriate investment for people more "conservative", since the market value of the paper has a low volatility, which avoids losses in case the investor need to sell the security before the deadline. According to the Treasury, it is also suitable for those who do not know exactly when you'll need to rescue the investment.
There is no payment of semiannual interest in this title, which makes it more interesting for those who can expect to receive the money, that is, who does not need additional income immediately. The National Treasury repurchase market value if the title is sold before the deadline.
What is Treasury IPCA + with Semester Interest (NTN-B)?
According to the Treasury, it is a title that guarantees the increased purchasing power of the investor money, considering that the income is composed of two parts: A fixed interest rate and the change in inflation (IPCA). This ensures that the investor's assets be protected, because the yield of the security will always be higher than inflation.
As well as the Treasury Fixed with Semester Interest (NTN-F), it is recommended that title to be sought by investors who want to supplement their income from the time of application as there are interest payments every six months, that is, income it is also received during the application period, in made in one payment at the end.
There is also the incidence of income tax on the payment of semiannual values, which makes it more interesting for those who do not plan to reinvest the amounts received every six months. On the bond matures, the investor can redeem the invested amount adjusted for inflation plus a final payment of semiannual interest. The procedure in the event under the presale is the same Treasury Fixed (LTN).
What is Treasury IPCA + (NTN-B Main)?
According to the Treasury, it is also a title that guarantees the increased purchasing power of the investor money, considering that the income is composed of two parts: A fixed interest rate and the change in inflation (IPCA). This ensures that the investor's assets be protected, because the yield of the security will always be higher than inflation.
The Treasury said it is a title suitable for those who want to save for retirement, home purchase, study of children, in other words, long-term goals, bearing in mind that the title has availability of longer maturities.
The amount received is given only once, at the end of the application, which also makes it more attractive investment for those who can wait for the money until the bond matures. The rules for title presale are the same Treasury Fixed (LTN).
And where else to invest beyond the Treasury?
The financial educator and therapist financial Reinaldo Domingos highlights the possibility of investing in insurance. Insurers have their own plans and the investor can assess what pleases him most. He also mentions the possibility of seeking brokers to invest in gold, which is the gold variation, or investment funds. It also presents the possibility of investing in stocks, but does not recommend such a measure because of market uncertainties.
Sundays also argues that the customer does not only seek an investment option, but would try to make more than one at a time. "It's good spray investments. At least two or three so that the person can diversify, she can not concentrate forces at a single institution," he says. He points out that one can pick up 10% to part of their income and redistribute the value of different types of investment.
Source: IG
Our news are taken in full of our partner sites. For this reason, we can not change their content even in cases of typographical errors.
This article was translated by an automatic translation system, and was therefore not reviewed by people.