By Gustavo Cerbasi
Adeus, aposentadoria – Esqueça tudo o que você já ouviu falar sobre aposentadoria. A ideia de parar de trabalhar e se sustentar com um auxílio mensal é um conceito ultrapassado para dar conta do padrão de vida que queremos ter.
Bancos, empresas de previdência, fundos de pensão e o Ministério da Previdência Social recomendam que as pessoas poupem mais ao longo dos anos para chegarem com uma boa reserva à idade avançada. Mas será que apenas essa poupança get to the bottom of o problema?
Quem já passou dos 60 anos lamenta não ter se esforçado mais no passado e sabe que, mesmo que tivesse dobrado seu esforço, ainda estaria longe de uma situação confortável. Como estamos vivendo mais, com mais qualidade, custo de vida mais alto e maior nível educacional e cultural, a renda de uma aposentadoria – pública ou privada – não é suficiente hoje. A velha fórmula deixou de funcionar.
É preciso adotar um modelo realista para planejar o futuro. Reunindo
pesquisas e reflexões sobre casos de fracasso e de sucesso, este livro propõe uma nova forma de enxergar o trabalho e de lidar com o dinheiro, oferecendo conselhos atualizados sobre a melhor maneira de se educar, de investir, de empreender e de gerenciar a carreira.
Ao longo de mais de uma década, Gustavo Cerbasi vem se dedicando a estudar e trabalhar com educação financeira, orientando públicos de diversas idades e periods sociais. Em Adeus, aposentadoria, ele apresenta um plano para administrar sua riqueza que inclui dicas personalizadas de acordo com sua faixa etária. Além disso, faz uma análise das modalidades existentes de aposentadoria e aponta suas principais falhas.
Sem dúvida, o desafio para conquistar uma vida futura mantendo o padrão atual e sem depender de ninguém é grande, mas é possível se começarmos a realizar esse projeto desde já.
Read or Download Adeus Aposentadoria: Como Garantir Seu Futuro Sem Depender dos Outros PDF
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Extra resources for Adeus Aposentadoria: Como Garantir Seu Futuro Sem Depender dos Outros
4 Difference in Targets, Scenario 2 vs. 1. 1). 1, but not by much. The average difference is under 5 percent. There are two reasons the differences are so small. The first is that some of the spending by the early mortgage payers was one-time spending (as discussed earlier) and did not factor into the retirement income target. The second reason is the increase in personal consumption for the early mortgage payers was tempered by the need to save more to finance that higher level of personal consumption after retirement.
3. If your savings are held in a tax-sheltered account, you will be subject to income tax on withdrawals from that account, including tax on annuity payments. This is taken into account already with the retirement income target. If your savings take the form of after-tax monies, you can adjust your wealth target downward to reflect this. At this level of wealth target, the downward adjustment would be about 10 percent.
Now that we have defined personal consumption, we can proceed onto some examples of how it relates to our gross, pretax income. Howard and Barb ❦ When the expenditures on the “Not Included” list finally drop off, our income needs drop as well. An example can show how significant the expenditures on the “Not Included” list can be. I asked a fee-only financial planner, Rona Birenbaum, to provide details on a real-life situation. Rona’s example involved a young professional couple whom I will call Howard and Barb.