Sistema previdenciário sob a ótica das finanças comportamentais

Abstract

The decision of as and where to invest the money he is on to the risk level that if it desires to assume in relation to the waited return. Thus, this article searched to demonstrate the influence of the human behavior in relation to the growth of the investment funds in Brazil by means of a pertinent data-collecting to the providence. The present research is exploratory, practical, with primary and secondary source of data. The study he is qualitative-quantitative, and has an inductive nature. The results had demonstrated that: the majority of the people or does not make planning in long stated period (63%), or it makes it stops in the maximum next the five years (40%); 37% wait to earn of 9 the 12 wages; 40.0% of the respondents invest in providence plans, or intend to make other investments (43%); 77% of the respondents would invest in a providence plan and 80.0% had revealed belief of that it would have the act of receiving of the retirement; 67.0% of the respondents would not contribute with the INSS case this were facultative; in relation to the denunciations of fraud in INSS, 73% they find that they go to intervene with its future retirement. As conclusion it is observed that even so the people believe that they would not receive its benefit future, the majority have more security in the INSS of what plain of private providence.