Investimentos a longo prazo na renda fixa como complementação da aposentadoria

Abstract

This paper aims to discuss about passive income on long term fixed assets investments, as a way to to obtain a supplementary income to the retirement income. To support this theory, simulations have been done using some assets available in Brazil’s capital markets (Tesouro Direto, CDB, Poupança) and based on the results obtained it was possible to compare the resulting benefits of investments and the resulting benefits of social security. It was observed that the accumulated amount of all the assets mentioned above weren't enough to overcome the official retirement income, but, all of them, except poupança, were enough to provide a total amount greater than the INSS ceiling, even in cases where the contributor hasn't pay tax for a long period of time.