Planning for retirement is a subject that requires attention and care, especially in the current context of economic and social uncertainties. Ensuring a comfortable monthly income is one of the main goals of anyone planning their retirement. For this, it is essential to choose the best investment. Of course, with so many options available in the financial market, it can be difficult to decide which is the best alternative to achieve this goal.
Retirement: investments for the future
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See some of the most suitable investment options for those looking for a monthly income of R$5,000 to take advantage of during retirement. Check out the advantages and disadvantages of each one.
private pension
One option to be considered is Private Pension. This type of investment aims to guarantee a supplementary income to that coming from Social Security. There are two types of it: the Free Benefit Generator Plan (PGBL) and the Free Benefit Generator Life (VGBL). The PGBL is indicated for those who make the Income Tax return using the complete model, while the VGBL is more suitable for those who declare using the simplified model.
real estate funds
Another option is to invest in real estate funds. This type is a way to invest in real estate without having to buy a place directly. Real estate funds allow investors to purchase shares of a fund that invests in real estate on its own. The income comes from the rent of the places and the appreciation of the quotas.
invest in stocks
It can also be an alternative for those looking for a monthly income of R$ 5 thousand.
It is important to emphasize that this modality involves scratchs larger than the other options already mentioned; however, it is possible to invest in companies with good financial health and a history of paying consistent dividends, which can increase the security of the investment.
Fixed Income
Finally, fixed income like CDBs, LCIs and LCAs can also be an option for those looking for a nice monthly income. They are known for their low volatility and offer attractive returns, especially in scenarios of a fall in the basic interest rate, the Selic.