O desafio da previdência social no Brasil : por que novas fontes de aposentadoria são essenciais?

Abstract

The research addresses important aspects of social security, highlighting the population's dependence on it, the deficit that the system has faced and how demographic factors can contribute to the increase of this deficit. Furthermore, I intend to verify how the Brazilian population organizes itself for the retirement period, correlating all these factors to reach the proposed objective, aiming to demonstrate the need for a new source of retirement for the Brazilian population, highlighting the age profile of the Brazilian population, a fact that may or may not demonstrate overload in the social security sector, also analyzing how this population intends to finance retirement. They are used as a basis for research on social security, demographic changes in the country and application of a questionnaire to the non-retired population, previously validated, whose sample collected involved 136 interviewees. The objective questionnaire understands how the population is preparing for the withdrawal phase, applying descriptive statistics and multiple regression to analyze the sample. The results found show the lack of financial preparation for retirement, influenced by expenses and the lack of information about how much money is needed to save to support oneself during this period. Considering the factors presented and the relevance of the reduction for the population, this work contributes to the entire Brazilian population by drawing their attention to the need for a change in financial behavior so that they can prepare and protect themselves for this special period in their lives, in addition to bringing other possibilities, such as private pension plans, which are a possibility only for the population, but not for companies to assume their social responsibility and consider a step towards protecting the population of their employees.