'BUSINESS' COVER EDITION - NOVEMBER 24 ISSUE
Photos: Carlos Moreira - @eusoucarlosmoreira
In this special BUSINESS edition of Hooks Magazine, we feature Elisiane Moreira on the cover, a Financial Educator and Rede TV Host. Elisiane is revolutionizing how people perceive financial planning, bringing to light crucial discussions on a topic that affects everyone: the need for financial independence in retirement.
With her clear and strategic approach, Elisiane warns of the risks of relying exclusively on the INSS (National Social Security Institute) as the sole source of retirement income. Describing the public system as a "legalized pyramid," she highlights the structural challenges faced by Brazil’s social security system, exacerbated by an aging population and declining birth rates.
The Challenge: A System in Collapse
According to Elisiane, the INSS, which has supported millions of retirees for decades, is no longer sufficient to ensure a dignified life for retirees. Recent data reveals that in 2023, the average benefit paid by the system was R$ 1,750.00—an amount insufficient to cover a person’s basic expenses, let alone maintain a comfortable standard of living.
"We are facing an unprecedented demographic shift. While the elderly population grows, the number of young people capable of contributing to the system decreases. This makes the INSS increasingly unsustainable. Those who fail to plan now will face the consequences in the future," emphasizes Elisiane.
The Way: Financial Education and Investments
The solution, according to Elisiane, lies in the diversification of income sources. Through a solid investment strategy, it is possible to build a safer and more independent retirement. It highlights three accessible and efficient paths for those who want to get started:
1. Perennial Sectors of the Economy
Investing in companies in essential sectors, such as electricity, sanitation and banks, can ensure consistent income through dividends.
2. Real Estate Funds (FIIs)
FIIs offer monthly passive income, often exempt from tax for individuals, allowing investors to access the real estate market with reduced capital and greater diversification.
3. Investments Abroad
Expanding the portfolio with international assets, such as ETFs and shares of large companies, provides geographical diversification and access to high-growth global sectors.
A Call to the Future
Elisiane Moreira not only brings information; she makes a call to action. His advice to Hooks readers is clear: start investing, no matter how small the initial value is. "Time is the investor's greatest ally. Those who start today will be planting the seeds for a dignified retirement and, especially, independent of the uncertainties of the INSS," he declares.
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