Download Adeus Aposentadoria: Como Garantir Seu Futuro Sem Depender by Gustavo Cerbasi PDF

By Gustavo Cerbasi

Adeus, aposentadoria – Esqueça tudo o que você já ouviu falar sobre aposentadoria. A ideia de parar de trabalhar e se sustentar com um auxílio mensal é um conceito ultrapassado para dar conta do padrão de vida que queremos ter.

Bancos, empresas de previdência, fundos de pensão e o Ministério da Previdência Social recomendam que as pessoas poupem mais ao longo dos anos para chegarem com uma boa reserva à idade avançada. Mas será que apenas essa poupança get to the bottom of o problema?

Quem já passou dos 60 anos lamenta não ter se esforçado mais no passado e sabe que, mesmo que tivesse dobrado seu esforço, ainda estaria longe de uma situação confortável. Como estamos vivendo mais, com mais qualidade, custo de vida mais alto e maior nível educacional e cultural, a renda de uma aposentadoria – pública ou privada – não é suficiente hoje. A velha fórmula deixou de funcionar.

É preciso adotar um modelo realista para planejar o futuro. Reunindo
pesquisas e reflexões sobre casos de fracasso e de sucesso, este livro propõe uma nova forma de enxergar o trabalho e de lidar com o dinheiro, oferecendo conselhos atualizados sobre a melhor maneira de se educar, de investir, de empreender e de gerenciar a carreira.

Ao longo de mais de uma década, Gustavo Cerbasi vem se dedicando a estudar e trabalhar com educação financeira, orientando públicos de diversas idades e periods sociais. Em Adeus, aposentadoria, ele apresenta um plano para administrar sua riqueza que inclui dicas personalizadas de acordo com sua faixa etária. Além disso, faz uma análise das modalidades existentes de aposentadoria e aponta suas principais falhas.

Sem dúvida, o desafio para conquistar uma vida futura mantendo o padrão atual e sem depender de ninguém é grande, mas é possível se começarmos a realizar esse projeto desde já.

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Gold bars and bullion. 4 Source: David M. Darst, The Art of Asset Allocation, 2nd ed. New York: McGraw-Hill, 2008; Morgan Stanley Wealth Management Investment Strategy Asset Class Review—Gold, February 12, 2013. 20 Portfolio Investment Opportunities in Precious Metals • Shares of gold-mining companies. • Exchange-traded funds, closed-end funds, and open-end funds. • Gold futures and options. • Gold trust receipts, structured notes, and gold-backed bonds. • Gold jewelry and objects of art. • In a related but different category, other precious metals such as silver, platinum, palladium, and rhodium.

The first gold coins are believed to have been minted approximately 2,700 years ago, and since then, gold has for varying lengths of time functioned alongside or instead of various other forms of currency as a medium of exchange, store of value, and unit of account. For example, throughout its 1,100-year history, the Byzantine Empire, with Constantinople as its capital, maintained a monetary economy based on gold. d. Gold can be purchased and sold in a variety of forms, including: • Recently minted legal tender and commemorative coins.

A gold-lending market exists, and gold can also be traded on a tactical basis in an attempt to generate profits. • Insurance. The opportunity cost of holding gold may be viewed as comparable to an insurance premium. 3 million troy ounces) over that period. 1 million troy ounces) to be sold in each agreement year. 6 million troy ounces). 9 million troy ounces) to be sold in each agreement year. 6 tonnes [180,046 troy ounces]). Figure 6 shows gold sales under CBGA. Announcements of their intentions to sell, but before such sales commenced, a portion of their official gold reserves (in April 1999, by Switzerland, and in May 1999, by the United Kingdom), led central banks in Austria, Australia, Belgium, Canada, Luxembourg, the Czech Republic, and India to sell part of their gold reserves.

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