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 unravel 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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Note 3: Book value of common shareholders’ equity adjusting for goodwill and intangible assets. Market capitalization as of December 31, 2011. 6041. 8866. 3842. P. 56 282,000 141,100 266,000 49,700 100,996 33,000 260,157 61,889 64,820 Note 1: S&P rating for long-term debt in respective 2011 annual or Q4 2011 quarterly reports. Note 2: Barclays, Goldman Sachs, JPMorgan Chase, Morgan Stanley, and UBS’s average daily VaR are calculated using a 95% confidence level. Morgan Stanley estimates its average daily VaR at $249 million at a 99% confidence level.
This process is called a leveraged buyout (LBO) or “taking a company private” in the case of a publicly traded target (see Chapter 16 for more information about LBOs). The combined fair market value of financial instruments owned by, and unfunded commitments of the Principal Investments area of, Goldman Sachs exceeded $27 billion at the end of 2010. In addition to control investments, Goldman Sachs also purchases minority positions in companies. For example, the firm owned common shares of Industrial and Commercial Bank of China Ltd.
Equity derivatives enable companies to raise or retire equity capital, or hedge equity risks, through the use of options and forward contracts. Bankers in ECM work closely with client coverage bankers to determine suitable corporate targets for these equity-related products. After helping companies decide to complete an equity financing, ECM assumes primary responsibility for executing the transaction. This involves close coordination with sales and trading professionals in the Trading Division to determine the investment appetite of their client base, which includes institutional and individual investors.