Matemática Financeira
Autor | Wladimir Novaes Martinez |
Ocupação do Autor | Advogado especialista em Direito Previdenciário |
Páginas | 1091-1092 |
Page 1091
Historicamente os aposentados e pensionistas sentem que perdem dinheiro apostando na previdência social. O valor do benefício sofre num momento e em outro uma perda irrecuperável (porque devida aplicação da lei).
Diante do crescimento além da inflação do limite do salário de contribuição, de nada servirá cifrar-se o valor da aposentadoria ao seu nível.
2481. Queixas gerais - É bastante comum ouvir um aposentado dizer que pagou sobre dez salários mínimos e está recebendo apenas quatro salários mínimos.
Pior, quando ele argumenta que a aposentadoria não dá mais para cobrir as despesas de antes; o seu valor teria perdido o poder de compra.
2482. Equivoco usual - Por outro lado, alguns sustentam que se num mês tivermos uma inflação de 10%, no mês seguinte de 15% e no terceiro mês de 25%, que a inflação do período de 90 dias, será de 10% + 15% + 25% = 50%. Não é.
2483. Cálculo da inflação - A operação matemática financeira será: 1,10 x 1,15 x 1,25, assim para recompor valor real de R$ 100,00 devemos fazer este cálculo: R$ 100,00 x 1,10 = R$ R$ 110,00 (primeiro mês).
Depois R$ 110,00 x 1,15 = R$ 126,50 (segundo mês).
Por último R$ 126,50 x 1,25 = R$ 158,12 (terceiro mês).
Logo, em vez de 50% a inflação chegará a 58,12%.
2484. Salário mínimo - Operando com valores reais, inflação e acréscimo real do salário mínimo (que começou aí por 2000) temos: quatro salários mínimos de 2017 são R$ 937,00 x 4 = R$ 3.748,00.
Se o salário mínimo da época da aposentadoria foi de R$ 271,20, ele recebe 10 daqueles salários mínimos e não 10 x R$ 937,00 = R$ 9.370,00.
2485. Renda futura - Por ora abstraindo-se da inflação e das despesas administrativas, imagine-se alguém que aos 16 anos deposite mensalmente R$ 100,00 numa conta corrente que renda juros de 6% ao ano (0,5% ao mês). E que faça isso por 50 anos.
Portanto estará com 66 anos e vá viver mais 14 anos. O capital acumulado será de R$ 378.719,11, ele fará jus a R$ 3.337,41 mensais (cálculos do atuário Newton Cezar Conde). E um diploma pela perseverança (sic).
2486. Aplicação de capital - Se alguém dispõe de R$ 1.000.000,00 e quer receber por 15 anos, auferirá anualmente R$ 102.963,00. Ou, se preferir mensalmente (180 meses) R$ 8.438.57, com juros de 0,5% ao mês = 6.17% ao ano, ou, ainda R$ 352.04, com juros de 0.48676% = exatos 6% ao ano.
2487. Juros da realidade -...
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PEÇA SUA AVALIAÇÃO- Curso de Direito Previdenciário
- Previdência Complementar
- Apresentação
- Breve História
- Questões Terminológicas
- Conceito Sucinto
- Características Nucleares
- Natureza Jurídica
- Questões Jurídicas
- Enquadramento Científico
- Objetivo e Papel dos Fundos de Pensão
- Princípios Aplicáveis
- Aplicação e Interpretação
- Presunções Válidas
- Tendências Hodiernas
- Justiça Competente
- Fontes Formais
- Sistema Nacional Supletivo
- Relação Jurídica Complementar
- Sujeitos da Relação Jurídica
- Relação Jurídica de Inscrição
- Órgãos Supervisores
- Dinâmica das Entidades Fechadas
- Retirada de Patrocinadora
- Atos Constitutivos das EFPC
- Composição das Entidades Fechadas
- Administração dos Benefícios
- Fontes de Custeio
- Prestações Previdenciárias
- Benefícios em Espécie
- Serviços Assistenciários
- Regimes Financeiros
- Tipos de Plano
- Penhora dos Benefícios
- Cálculo Atuarial
- Matemática Financeira
- Aplicações Econômicas e Financeiras
- Práticas Contábeis
- Direito Procedimental
- Penalidades Administrativas
- Direito Penal Complementar
- Embaraços Conjunturais
- Previdência Pública Complementar
- Equilíbrio Financeiro e Atuarial
- Destino do Superávit
- Serviço Passado
- Montepios Previdenciários
- Filosofia da Complementaridade
- Entidade Associativa
- Retirada de Instituidor
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