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PGBL ou VGBL: Entenda as diferenças

por: Portal Renda

Foto: Canva

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Foto: Canva

Escolha entre PGBL e VGBL: A decisão entre os planos depende da situação financeira e tributária do investidor.

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Foto: Canva

Benefícios do PGBL: Permite dedução de até 12% da renda bruta anual no IR, ideal para quem faz declaração completa e possui alta alíquota de IR.

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Foto: Canva

Vantagens do VGBL: Adequado para declaração simplificada, tributa apenas rendimentos no resgate, vantajoso para aposentadoria com menor tributação.

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Foto: Canva

Tributação progressiva: Alíquotas de IR de até 27,5%, melhor para resgates parciais ao longo do tempo.

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Foto: Canva

Tributação regressiva: Alíquotas diminuem com o tempo, atingindo 10% após 10 anos, favorece investimentos de longo prazo.

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Foto: Canva

Impacto das taxas: Taxas de administração e carregamento afetam significativamente os ganhos, importante comparar os planos.

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Foto: Canva

Portabilidade e usos diversos: Portabilidade sem impostos para otimização de investimentos e usos além da aposentadoria.

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