Mitos e verdades sobre os planos de previdência privada
Autor: Fabiano Sant'Ana | Publicado: 2011-11-01T08:30:00-02:00



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Os
planos de previdência privada são grandes aliados do planejamento financeiro
para quem pretende garantir uma aposentadoria mais tranquila financeiramente,
sem depender unicamente dos benefícios da Previdência Social, que podem ser
insuficientes nesta fase da vida.

Contudo,
ainda há muitas dúvidas em torno desse investimento. Por quanto tempo é preciso
manter um plano desse tipo? É possível ter outros benefícios com o plano
privado, além da aposentadoria? Quem pode contratá-lo?

Antes
de escolher seu plano de previdência complementar, é preciso esclarecer alguns
mitos, bem como reiterar algumas verdades, que podem fazer a diferença na hora
de aplicar.

Principais
mitos
Mitos e lendas não faltam quando o assunto é previdência complementar. Saiba
reconhecê-los e evitá-los:

1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Sou muito novo – ou
muito velho – para entrar em um plano de previdência - quanto mais cedo começar a planejar sua
aposentadoria, melhor. Quem é jovem deve, sim, começar a se planejar para o
futuro. Já aqueles que passaram dos 45 anos de idade, por exemplo, também podem
acumular recursos suficientes para uma aposentadoria tranquila, pois, com a
expectativa de vida do brasileiro cada vez mais elevada, mesmo que um pouco
mais tarde, ainda há tempo para contratar um plano de previdência e garantir
uma aposentadoria mais tranquila.

2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Não tenho dinheiro
suficiente para investir em previdência privada – atualmente, existem planos que permitem
contribuições a partir de R$ 30 por mês. Assim, o importante é investir, mesmo
com quantias menores.&nbsp;

Verdades
Não só mitos cercam o investimento em previdência privada. Existem muitas
verdades sobre esses planos que devem ser reiteradas.

1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Fundos de previdência
são aplicações de longo prazo
- resgatar o investimento antes do prazo pode não ser vantajoso, pois a
alíquota de Imposto de Renda pode ser mais alta do que a de outros fundos de
investimentos de longo prazo.

2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Investidor pode
definir quanto e quando quer receber sua renda - é possível escolher a melhor forma de receber o
rendimento da previdência privada, optando entre resgates periódicos ou resgate
total, com o objetivo de reaplicar o montante.

3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Segurados podem
migrar de uma empresa para outra, sem perdas de recursos - na fase de acumulação, a lei permite que o
participante ou segurado migre a reserva que tem para outra instituição, sem
custos adicionais. Contudo, durante a fase de aposentadoria não são permitidas
transferências de reservas.




Fonte: Finanças Práticas