Apenas 4% dos brasileiros poupam dinheiro para a aposentadoria, aponta estudo do Banco Mundial 
Autor: Valdemar Engroff | Publicado: 2017-01-17T04:56:00-02:00




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No Brasil, o PIB per capita foi US$ 15,4 mil em 2015,
semelhante ao da 

Tailândia, em que 60% poupam para a velhice (Foto: AFP)
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Preocupado porque o dinheiro da aposentadoria vai secar e você não 
tem reservas para garantir seu nível de vida até os 80, 90 ou 100 
anos?&nbsp;Você não está sozinho. Em cada 100 brasileiros, só 4 separam 
recursos para os anos finais, o índice mais baixo das Américas e um dois
 piores do mundo. Em levantamento de 143 países feito pelo Banco 
Mundial, só 11 estão abaixo.


A imprevidência atinge até os brasileiros de renda mais alta, e não é
 uma questão de pobreza: o Brasil perde de nações como Congo, Maláui ou 
Togo, que têm PIB (Produto Interno Bruto) per capita próximo de US$ 
1.000 em paridade de poder de compra, medida que permite melhor 
comparação entre os países.


No Brasil, o PIB per capita foi US$ 15,4 mil em 2015, semelhante ao 
da Tailândia, em que 60% poupam para a velhice. Os dados, de 2014, foram
 retrabalhados em 2016 visando especificamente a reserva para a idade 
avançada.


O estudo do Banco Mundial encontrou forte correlação entre a economia
 para a velhice e o hábito geral de poupança. Em países asiáticos, onde a
 maioria das pessoas faz reservas financeiras de forma regular, a 
porcentagem dos que poupam para os anos finais também é mais alta.


Na Tailândia, 80% da população declara ter poupado algum dinheiro nos
 12 meses anteriores. No Brasil, são 28% (o 14º pior índice no mundo).


Executivos do setor atribuem isso à herança do período de inflação 
descontrolada que durou até os anos 1990. “Há 20 anos, mal era possível 
planejar para o fim do mês”, diz Paulo Valle, vice-presidente da 
Fenaprevi, federação do setor de previdência privada.


Conhecer as causas não basta, porém. A educação financeira, por 
exemplo, tem alta correlação com poupança. Mas estudos indicam que mesmo
 os mais ricos e escolarizados ignoram conceitos como diversificação, 
juros compostos, custo-benefício e a relação entre risco e lucro.


O investimento em educação financeira, portanto, é alto e obtém pouco
 resultado duradouro, segundo as pesquisas. São as ações diretas sobre o
 comportamento que alcançam êxito maior e mais rápido, diz Leora 
Klapper, economista-chefe do time de pesquisa em finanças e setor 
privado do Banco Mundial.


Ter sua própria conta bancária é um fator importante, principalmente 
se houver facilidade para transferir recursos e fazer investimentos.


Klapper relata experiências em Gana e em Bangladesh, em que cidadãos 
recebem no dia do pagamento um lembrete para poupar. Em Gana, 55% têm o 
hábito de poupar e 13% economizam para a velhice. No país asiático, são 
24% e 6%, respectivamente.


Políticas públicas também são fundamentais para a transição da 
seguridade social para um modelo de planos privados, argumenta uma das 
principais especialistas em previdência e educação financeira do mundo, a
 professora Olivia Mitchell, de Wharton, a escola de negócios da 
Universidade da Pensilvânia. (Folhapress)

Fonte! Chasque (matéria ) veiculado no portal oficial do Jornal O Sul de Porto Alegre (RS), eme 08 de janeiro de 2017. Abra as porteiras clicando em <!--[if gte mso 9]>
 
  
 
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http://www.osul.com.br/apenas-4-dos-brasileiros-poupam-dinheiro-para-a-aposentadoria-aponta-estudo-do-banco-mundial/



Nota! Eu, minha esposa e as nossas filhas fizemos parte destes 4%. Lamentavelmente o nosso país ainda não despertou para o longo prazo, para o futuro, para a velhice (que pode estar distante). Ainda vivemos e muito com o imediatismo e o consumo desenfreado realizado por impulso e não existe a política do poupar antes para comprar depois e com descontos. Muito menos existe a política de investir para se aposentar com uma segunda aposentadoria (complementar)....



Valdemar Engroff &nbsp;