Autor: Maurício | Publicado: 2013-10-11T08:22:00-04:00


Para quem tem a ousadia de reclamar do INSS a leitura da matéria abaixo é obrigatória. Destaco que por melhor que seja o plano de previdência oferecido pela autarquia, é imprescindível a suplementação da renda por meio de uma entidade de previdência complementar (de preferência de um plano patrocinado de entidade fechada), em face da existência de teto do benefício, hoje de pouco mais de R$ 4 mil, oferecido pelo Regime Geral da Previdência Social. 
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"É
melhor: INSS ou Previdência Privada? 



Para
especialista mesmo com as limitações, o contribuinte não deve desprezar o INSS 

A
dúvida de muitos profissionais autônomos (que também se estende a outros
trabalhadores), se o INSS é menos vantajoso do que os planos de previdência
privada, se dá devido a falta de credibilidade do sistema regido pelo
Ministério da Previdência Social e também pelas possíveis mudanças das regras
de aposentadoria. 
Mas,
segundo o professor da Universidade FUMEC, André Pires de Miranda, a
contribuição para o INSS ainda é uma grande oportunidade de sustentabilidade na
aposentadoria. Tudo isso devido aos benefícios sociais associados ao INSS:
auxílio-doença, salário maternidade, aposentadoria por invalidez, pensão por
morte, dentre outros. 
O
professor afirma que além dos benefícios sociais, ainda há uma vantagem
econômica, se comparado aos atuais planos de previdência privada
comercializados no mercado. 
“Um
contribuinte, do sexo masculino, que iniciou sua vida profissional aos 20 anos,
terá direito à aposentadoria por tempo de contribuição aos 55 anos. Caso o
benefício dele seja de um salário mínimo, ele recupera o valor investido em 37
meses”, explica André Pires. 
Pelas
contas do professor, se a contribuinte for mulher e também estiver na
modalidade tempo de contribuição, a recuperação do investimento será feita em
45 meses. 
Os
cálculos do educador apontam que para um valor de benefício equivalente ou
próximo do teto máximo, o tempo de recuperação se estende para 78 ou 86 meses,
com ganho econômico equivalente a 1,77 ou 2,0 vezes o valor total da
contribuição. 
Caso
o cidadão contribua para um plano de previdência complementar, iniciando também
aos 20 anos, mantendo-se o mesmo tempo de contribuição para o INSS, isto é, 30
ou 35 anos, com os mesmos valores pagos ao Instituto, o tempo de retorno do
investimento seria de aproximadamente 264/266 meses sem qualquer ganho
econômico em nenhuma das possibilidades analisadas. 
Para
André Pires de Miranda “o cidadão, mesmo com as limitações do INSS, não deve
desprezar o INSS já que os resultados indicam que é um excelente plano de
previdência”, finaliza. (O Debate)"
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   UnhideWhenUsed="false" Name="Colorful Shading Accent 5"/>
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   UnhideWhenUsed="false" Name="Colorful Grid Accent 5"/>
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   UnhideWhenUsed="false" Name="Light List Accent 6"/>
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   UnhideWhenUsed="false" Name="Light Grid Accent 6"/>
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   UnhideWhenUsed="false" Name="Medium List 1 Accent 6"/>
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   UnhideWhenUsed="false" Name="Medium Grid 3 Accent 6"/>
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   UnhideWhenUsed="false" Name="Colorful Shading Accent 6"/>
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   UnhideWhenUsed="false" Name="Colorful List Accent 6"/>
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   UnhideWhenUsed="false" Name="Colorful Grid Accent 6"/>
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   UnhideWhenUsed="false" QFormat="true" Name="Subtle Emphasis"/>
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   UnhideWhenUsed="false" QFormat="true" Name="Intense Emphasis"/>
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   UnhideWhenUsed="false" QFormat="true" Name="Intense Reference"/>
  <w:LsdException Locked="false" Priority="33" SemiHidden="false"
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<![endif]--><!--[if gte mso 10]>

 /* Style Definitions */
 table.MsoNormalTable
 {mso-style-name:"Tabela normal";
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<![endif]-->