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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Sirrom was a business development company (BDC) making mezzanine loans (senior to equity, but subordinate to senior debt) to private companies. BDCs are a special creation, formed by Congress as a way for small businesses to have more access to capital and receive professional management expertise. They have existed in some form since the Investment Company Act of 1940, but their current structure was born through Congress with the Small Business Investment Incentive Act of 1980. BDCs lend small businesses money, advise them, and in return collect interest and fees.

He said he could not believe how irresponsible he thought we had been. He asked about our portfolio. We described our largest investment in Agribrands, an animal feed manufacturer that had been spun off from Ralston Purina. With its Asian market exposure, it had fallen in the sell-off that summer. It was still a great opportunity and would be an enormous winner in 1999. Ultimately, Cargill bought the company a couple of years later for twice where it traded in late 1998. As we told the story, this semi-famous investor scoffed.

Indd 11 3/25/08 6:40:49 PM 12 FOOLING SOME OF THE PEOPLE ALL OF THE TIME I would often sleep on a pillow under my desk while the word-processing department prepared documents or the copy center made them into presentation books. Cheryl, my wife, would bring me a clean shirt in the morning on her way to work. ” I started in August 1991 and by Thanksgiving had lost fifteen pounds. After two years, analysts were expected to need a break that would be provided by business school. I had no intention of continuing my life as an investment banker, so I decided not to go to school.

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