Como escolher o melhor Plano de Previdência

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Como escolher o melhor Plano de Previdência

por: portal renda

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Avalie quanto precisará para manter seu padrão de vida na aposentadoria. Esse cálculo é essencial para escolher o plano certo.

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Existem planos abertos (flexíveis e acessíveis a todos) e planos fechados (restritos a grupos específicos). Escolha conforme sua situação e necessidades.

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Se faz a declaração completa do IR, o PGBL pode ser vantajoso devido à dedução fiscal. O VGBL é ideal para declarações simplificadas ou isentos, focando na tributação dos rendimentos.

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Verifique as taxas de administração e carregamento dos planos. Menores taxas significam mais retorno no longo prazo.

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Escolha fundos que ofereçam diversificação entre diferentes ativos. Isso pode reduzir riscos e aumentar o potencial de retorno.

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Considere a portabilidade dos planos. Planos abertos geralmente permitem transferências sem perda de benefícios, oferecendo flexibilidade.

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Analise as taxas, a composição da carteira e a performance histórica dos fundos para tomar uma decisão bem fundamentada.

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