Previdência privada: estudo de ofertas de produtos de rendas de aposentadoria

Abstract

The purpose of the supplementary pension system is to guarantee theworker’s qualityof life during his / her downtime due to the supplementation of income from social security. This academic work aims to compare social security products of Open Entities of Complementary Pension Plans, based on parameters defined bythe realization of projections of participants' balances on the date of granting the retirement benefit. The theoretical rationale addresses the main characteristics of private pension and exposes the products marketed by entities. Multiple case studies were used, with descriptive research, qualitative approach, and quantitative data analysis to solve the problems identified in the study. The results obtainedmade possiblean analysis onthe behavior of the private pension plans of three entities in different profiles of participants, and it is possible to verify that the more expressive the values of applications, the greater the commercial advantages given to the contractors. The commercial conditions of the entities’ products under study diverged in several aspects,such as input and output charging rate. Theprojections were essential to observe their impact over the years and thus to determine the most attractive product, in a defined profile.