Perspectivas financeiras na aposentadoria de servidores públicos do executivo federal: a educação financeira suplente à previdência pública

Abstract

Given the recent transformations in the Brazilian political landscape, which have had a significant impact on the country's economy, concerns are growing regarding government spending and resource allocation. One of the primary areas of interest in this context is social security, representing one of the government's largest expenditures. These changes directly affect federal executive public servants who face a series of challenges. In addition to the well-known difficulties in obtaining adequate salary adjustments, these servants have been subject to the ceiling of the National Social Security Institute (INSS) since 2013, raising concerns about their financial futures. Furthermore, since 2019, new pension rules require them to work longer to qualify for retirement, emphasizing the need for financial planning. Thus, this dissertation aimed to address the financial outlook for retirement among federal executive public servants, considering financial education as a complement to public retirement. This is a content analysis research with a qualitative approach, using the Population-Concept-Context search strategy that analyzed academic productions between 2018 and 2023. It was possible to identify that academic works often theorize about the need for financial planning but leave unclear how professionals can actually engage in such planning. This study advanced by developing an investment action plan with the potential to stimulate reflections on retirement and financial education within families, serving as a starting point for interested individuals. The need for public servants to take advantage of available tools through financial education became evident. This will enable them to plan their retirement more effectively, complementing what is offered by the pension system and the public budget. Considering that the political and economic landscape is subject to further reforms over time, the ability to adapt and make informed decisions becomes even more critical to ensure financial stability in the future.