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01/24/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
To have a good retirement is necessary to know how much is needed to keep monthly alone
SAO PAULO - The dream of many people is to retire somewhere quiet with quality of life and money to travel and perform other goals that were not possible during the time they worked. On Thursday (24) is celebrated the Day of the Retired and experts consulted by InfoMoney indicate the best way to accomplish this dream is gearing up early, planning and investing.
"The first step to prepare for retirement is to ask yourself how long you could maintain your standard of living if you were not getting more salary," places the president DSOP Financial Education, Reinaldo Sundays. After all, this should be the basic principle of a pension: get to keep only what has been accumulated. Therefore, it is important to do the math on how much you need to invest each month to keep up without the aid of other people when they decide to stop working. But where you can invest to earn that money?
Planning and listed investments are essential to retire without headaches (Getty Images)
Thinking of a younger person who has more time to prepare, the suggestion of Investmania Coordinator, Thiago Reis, is building a portfolio with 20% stocks or ETFs (Exchange Traded Funds) and 80% in Treasury Direct, merging fixed roles and linked to inflation. The inflation-linked bonds longer term are always very suitable for those who intend to use the money to retire. That's because they guarantee gain real (above inflation) with a very low credit risk, and costs are also lower than most mutual funds and private pension plans. These securities have volatility along the way (the face value changes according to economic changes and influenced by supply and demand), but for those who just want to redeem when the title win, they are a good option.
In the case of a person who is older and closer to retirement age, the ideal is not risking much with actions. For Dominic, applications such as CBD (Certificate of Deposit), Treasury bonds and gold are the most interesting alternatives. Another possibility is to purchase a property. "In this case, the rent is a guaranteed income when the more so when that person retires," he points out.
Diversified portfolio or pension plan?
When thinking long term, many people are wondering whether they should invest in a private pension plan or in a diversified portfolio. As indicated by experts, if the investor is younger, worth join a private pension plan.
"The pension plan is very good for the young or a parent for a child is doing, because it is a long term investment. For an older person, it is best to go to a fund, for example, with the lowest rate possible and administration positions in stocks and bonds, "puts Kings.
Complementing the speech of Kings, Dominic points out that, if an investor choose a plan, you should look for one that is free of charge rate and has next administration fee of 1% to be worth. In the case of the investment fund, he suggests one that is more moderate, less allocation in stocks. "It's important to be accompanied by an expert to present it in the background and is backed prevent the action, which is not consistent with the purpose of retirement, since the stock is very volatile," he says.
The investor who wants to make a pension plan must also pay attention to the two types available: the PGBL (Free Benefit Generator Plan) or a VBGL (Life Free Benefit Generator). The main difference is the tax benefits. Who hires a PGBL can deduct up to 12% of taxable income in the year in income tax. Therefore, this type of plan is suitable for those who deliver the complete declaration of income tax, which allows specific deductions.
VGBL now offers no advantage deduction during the accumulation phase - that is, the phase that is still applied in the plane. On the other hand, has the benefit at the time of redemption. That's because, in VGBL, the tax is levied only on income obtained and not on the total accumulated value, as in PGBL.
Source: Ifomoney
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This article was translated by an automatic translation system, and was therefore not reviewed by people.