A utilização de uma metodologia de investimentos simplificada para obtenção de uma renda complementar durante a aposentadoria

Abstract

In Brazil, the percentage of families with indebtedness is very high, reaching approximately 70%. This is due to the lack of a culture of economy, financial and investment management, combined with the high cost of living and high taxes in the country. In addition to the problems generated momentarily, the lack of personal financial management leads, in the long run, to problems for individuals of retirement age. Faced with these issues, this work has as general objective to verify if a simple investment strategy can generate income for the financial complement of retired people. To discuss issues related to personal finance, authors Frankenberg (1999), Macedo Jr. (2007), Cerbasi (2005), Pereira (2003) and Veiga (2007) are used. The research methodology is quantitatively based and is defined as a practice, as it proposes the verification of a method for practical application and solving specific problems, such as planning and the financial future. The results found indicate that it is possible to supplement retirement income through a simplified investment methodology, as long as the contributions are made in a disciplined manner every month. As steps for future work, it is suggested the testing of different strategies and the disclosure of the investment methodology in order to reach the general public.