Análise de investimentos renda fixa como proposta de complementação de aposentadoria

Abstract

This work aims to present alternatives fixed income investments of the financial market for investors seeking to compose an investment portfolio to complement their retirement. First, the study addresses the changes implanted in Social Security and its implications for the worker. It then gives explanations about fixed income investments in Complementary Pension Plans, Savings, CDBs and Public Securities. Finally, simulations of aplicattion in the studied investments are carried out, with pre-established criteria, with the purpose of performing a profitability analysis and discover which of the applications investigated show the best results. Based on the agreed parameters and the simulations carried out, the analysis of the results showed that applying in the Pre-fixed Public Title would bring the best result of profitability to the investor, however, the Complementary Pension Plan selected had results that very close to the government's fixed-pre title. It is concluded that with the current scenario of Social Security in Brazil, it is important that the individual begins to think about alternative plans for retirement, for this purpose, it is necessary that before applying the available capital, the investor perfom a detailed study of options offered in the financial market seeking out to invest in an intelligent way and thus obtain the best results.