O planejamento econômico familiar e a necessidade de liquidez das famílias

Abstract

The dissertation examines the need for families to have a family economic planning, understanding the context and risks of Brazilians who are productive and are concerned with maintaining the standard of living present and future. The new demographic behavior, which follows a trend of an aging society, makes Brazil a tendency to accentuate the character of public pension accounts. Secondary factors such as retirement contribution time, the exoneration of payroll increase in the minimum wage and are facilitators for increased pension debt. This creates a scenario of uncertainty in Brazilian society, due to instability in the maintenance of the public pension system in the long run. Therefore, the dissertation seek to calculate the need of liquid present and future in order to maintain a continuous income families. Through different patterns of consumption and personal savings as well as the financial vulnerability of households, we can conduct a study to understand the need for liquidity of life insurance policies and savings for retirement, will be treated as capital insured and private retirement, respectively