Previdência social: ainda vale a pena se aposentar pela previdência pública?

Abstract

The proposed reform of Social Security 287/2016 raised new concerns and corroborated those already existing with regard to this system, since the prospects for a post-employment life are put to the test. Therefore, this workintends to identify, given the current rules, whether it is worthto retire for public welfare or whether it is preferable to opt for private initiative. For this purpose, simulations were performed observing the 2008 to 2017 yields of open private pension plans and other investment options (Fixed Income and Savings), from 2010 to 2017, offered by the four largest financial institutions operating in Brazil, (RGPS) and, in the case of the own regime (RPPS), have been considered for employees hired before and the after the creation of FUNPRESP, or that migrated to this modality. Thus, the results show that the public pension plan presented the best results in relation to privatepension plans and other private investment options.