The calculation of the value can vary according to some factors. Find out how many investments to get a silent pension
For those who want a silent retirement and above the ceiling paid by the IS, relying on social security is not enough. The ceiling of the IS, today at $ 8,157.41, is difficult to achieve and subject to raising that accompany only inflation, without a real gain of purchasing power. Therefore, building your goods to generate complementary income has become increasingly important.
Lucas Sharau, economist and partner of IHub Investmentos, states that the secret is to adopt a consecrated financial planning methodology based on the safe withdrawal rate (or safe withdrawal rate), which considers a sustainable retreat of 4% per year from the accumulated capital.
“For those who wish to be a complementary income of $ 5,000 per month, the necessary activities are approximately $ 1.5 million. This part of the hiring of a real profitability of at least 4% per year, which guarantees capital conservation during pension”, explains Sharau.
When to invest for pension?
According to the expert, the value depends on time, the risk profile and the discipline. A monthly contribution of $ 800 for 30 years, with a real yield of 6% per year, for example, can involve around $ 780,000. Already those who begin later, at 40, will have to save more than double to achieve the same goal.
“First we start, less monthly effort will be necessary. Delaying this planning requires greater contributions and a more aggressive strategy,” warns Sharau. Furthermore, it strengthens the importance of regulating the value of retirement desired to the reality of the standard of living. The recommendation, according to the CFP methodology (certified financial planner), is to try to maintain 70% to 90% of the last retired salary, which requires personalized calculations and a realistic evaluation of future costs.
Diversify your investments
To accumulate equity efficiently, it is essential to diversify. According to Lucas Sharau, investments should be divided between three main pillars:
- Fixed income protected by inflation: Products such as IPCA+ Treasury or long -term CDB;
- Private pension (PGBL and VGBL): advantageous for the planning of the succession and the tax benefit;
- Variable income: Funds and real estate shares, especially in the early stages of the accumulation.
“A well -built wallet considers the economic scenario, the investor’s risk profile and the available time. In periods of high interest rates, the fixed income earns the protagonism. With low interest rates, we must look for more bold activities to protect purchasing power,” he says.
Look for a guide
The economist still feels of often ignored risks, such as inflation, longevity and regulatory changes in financial products. Therefore, the professional accompaniment is crucial.
“Retirement planning is transforming the future into numbers. With rigor, discipline and knowledge, it is possible to build a more worthy and stable future. The important thing is to start and not stop,” concludes Lucas Sharau.
Source: Terra
Ben Stock is a lifestyle journalist and author at Gossipify. He writes about topics such as health, wellness, travel, food and home decor. He provides practical advice and inspiration to improve well-being, keeps readers up to date with latest lifestyle news and trends, known for his engaging writing style, in-depth analysis and unique perspectives.
