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Previdência privada: sua aliada nos investimentos e na sucessão patrimonial

Nossa equipe de investimentos e wealth planning detalha como essa solução pode fazer a diferença para o seu planejamento

Imagem ilustrativa do artigo Previdência privada: sua aliada nos investimentos e na sucessão patrimonial — Créditos: Itaú Private Bank

Ao correlacionarmos as necessidades de nossos clientes investidores, sempre há um desejo natural de rentabilizar seu patrimônio, mas sem deixar de pensar em como garantir que seus familiares ou dependentes possam manter um respaldo financeiro em sua ausência.

Quando há uma conversa estruturada desse planejamento patrimonial e sucessório, é fundamental considerar a previdência privada como uma alternativa relevante. Neste processo, muitos de nossos clientes se surpreendem com todos os benefícios que esse investimento possui, já que popularmente é feita uma associação direta de previdência como um “planejamento para aposentadoria”.

Como algumas características da previdência, vale destacar:

Benefício em deduzir até 12% da renda tributável anual na declaração de imposto de renda ao investir em um PGBL;
Investimento sem come-cotas e que pode chegar a até 10% de alíquota de IR - sendo a menor dentre os investimentos que não são isentos;
Facilidade para dar respaldo financeiro aos seus beneficiários na sua ausência de forma rápida sem depender do processo de inventário;
Definição de beneficiários por plano ou por percentual do plano;
Migração dos investimentos para outros planos de previdência inclusive de outras classes de ativos (ex: multimercado, renda variável) sem perder a alíquota de IR atual;
Possibilidade da utilização do benefício como saldo total ou renda mensal.

Você também tem dúvidas sobre a previdência? Clique aqui e envie para a gente.

Pensando em como deixar esses benefícios mais claros para você, nosso cliente, vamos divulgar alguns conteúdos nas próximas semanas. A nossa especialista em Fundos e Previdência, Andrea Moufarrege, conta um pouco do que vem por aí! Confira: