{"id":5570,"date":"2022-12-23T09:00:00","date_gmt":"2022-12-23T12:00:00","guid":{"rendered":"https:\/\/sinqia.com.br\/?p=5570"},"modified":"2024-05-17T18:15:28","modified_gmt":"2024-05-17T21:15:28","slug":"previdencia-cnpc-46","status":"publish","type":"post","link":"https:\/\/evertectrends.dev.creativetm.co\/pt-br\/previdencia-cnpc-46\/","title":{"rendered":"Resolu\u00e7\u00e3o CNPC n\u00ba 46: veja as mudan\u00e7as para as Entidades Fechadas de Previd\u00eancia Complementar"},"content":{"rendered":"\n<p><em>At\u00e9 30\/06\/2023, as EFPC dever\u00e3o ter uma conta espec\u00edfica para cada CNPJ, visando a independ\u00eancia patrimonial.<\/em><\/p>\n\n\n\n<p>Ano ap\u00f3s ano, o mercado de previd\u00eancia privada fechada passa por modifica\u00e7\u00f5es para trazer maior transpar\u00eancia e seguran\u00e7a aos recursos das entidades. Em 2023, n\u00e3o ser\u00e1 diferente. Entrar\u00e1 em vigor a Resolu\u00e7\u00e3o CNPC 46\/2021, que trata da cria\u00e7\u00e3o de um CNPJ para cada plano das entidades fechadas de previd\u00eancia complementar (EFPC) com o objetivo de fortalecer a independ\u00eancia financeira dos planos.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p>Inicialmente, as regras do Conselho Nacional de Previd\u00eancia Complementar foram aprovadas em dezembro de 2018, com a ideia de implanta\u00e7\u00e3o at\u00e9 o final de 2021. Esse prazo foi prorrogado para dezembro de 2022 e, recentemente, tivemos uma nova prorroga\u00e7\u00e3o para 30\/06\/2023. Em outubro, a Secretaria da Receita Federal divulgou a lista de mais de 1.200 planos e seus CNPJs, que pode ser acessada <a href=\"https:\/\/www.in.gov.br\/en\/web\/dou\/-\/retificacao-438691680\" target=\"_blank\" rel=\"noreferrer noopener\">aqui<\/a>.&nbsp;<\/p>\n\n\n\n<p>Em painel focado nos impactos previdenci\u00e1rios e atuarias realizado na Abrapp (Associa\u00e7\u00e3o Brasileira das Entidades Fechadas de Previd\u00eancia Complementar), a Especialista de Neg\u00f3cios de previd\u00eancia na Sinqia, Renata Tognozzi, esclareceu que mesmo que passem a valer somente no pr\u00f3ximo ano, as entidades j\u00e1 podem iniciar a implementa\u00e7\u00e3o das mudan\u00e7as.&nbsp;<\/p>\n\n\n\n<p>Dessa forma, \u00e9 poss\u00edvel discutir as altera\u00e7\u00f5es de seguridade para as EFPCs, resumidamente, em quatro aspectos: arrecada\u00e7\u00e3o, empr\u00e9stimos, folha de pagamento e obriga\u00e7\u00f5es legais (inerentes \u00e0 seguridade). \u201cAs entidades ter\u00e3o que abrir uma conta para cada plano de benef\u00edcios, visando, principalmente, a independ\u00eancia patrimonial\u201d, afirma Renata. As contribui\u00e7\u00f5es dos participantes ativos, que s\u00e3o recolhidas via folha de pagamento junto \u00e0s patrocinadoras, tamb\u00e9m dever\u00e3o se adequar a esse fluxo.&nbsp;<\/p>\n\n\n\n<p>\u00c9 comum que cada patrocinadora realize um \u00fanico dep\u00f3sito a favor da EFPC para contemplar o montante de todos os planos de benef\u00edcios. No entanto, Renata ressalta que a orienta\u00e7\u00e3o junto \u00e0s empresas \u00e9 que a soma de cada plano deve ser depositada em cada conta espec\u00edfica. \u00c9 preciso avaliar, ainda, as contribui\u00e7\u00f5es de autopatrocinados, vinculados, BPDs (Benef\u00edcio Proporcional Diferido), al\u00e9m de participantes ativos que realizam pagamentos de contribui\u00e7\u00f5es espor\u00e1dicas via dep\u00f3sito em conta, boleto ou Pix.&nbsp;<\/p>\n\n\n\n<p>Da mesma maneira, no caso das concess\u00f5es de empr\u00e9stimos, as empresas precisam observar qual \u00e9 o plano em que se encaixam. As entidades devem decidir entre abrir diversos arquivos banc\u00e1rios distintos ou estabelecer um conv\u00eanio com a sua institui\u00e7\u00e3o financeira para a unifica\u00e7\u00e3o das informa\u00e7\u00f5es de contas-correntes distintas, em um mesmo arquivo banc\u00e1rio.&nbsp;<\/p>\n\n\n\n<p>As adequa\u00e7\u00f5es da folha de pagamento exigem mais controle por parte das entidades, uma vez que representa as diferentes maneiras de sa\u00eddas de recursos dos planos, ressalta a especialista. O c\u00e1lculo de benef\u00edcios, processamento das folhas de pagamento, Imposto de Renda, pens\u00e3o aliment\u00edcia, desconto a terceiros, of\u00edcios judiciais e arquivos banc\u00e1rios dever\u00e3o obedecer a liquidez di\u00e1ria dos recursos.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Ainda n\u00e3o h\u00e1, por parte da Receita Federal, a explica\u00e7\u00e3o de qual metodologia dever\u00e1 ser aplicada para a cobran\u00e7a do Imposto de Renda. Entretanto, existem algumas possibilidades. \u201cNos casos em que um mesmo CPF recebe a sua renda mensal de mais um plano, pode ser calculado um IR separadamente para cada plano, aplicando as dedu\u00e7\u00f5es de forma individual ou, por exemplo, os valores totais brutos podem ser somados exclusivamente para apura\u00e7\u00e3o do Imposto de Renda, sendo descontado aquele de maior renda\u201d, argumenta a especialista da Sinqia.<s>&nbsp;<\/s>&nbsp;<\/p>\n\n\n\n<p>Os valores de IR descontados em determinado m\u00eas s\u00e3o pagos at\u00e9 o dia 20 do m\u00eas seguinte por meio do DARF (Documento de Arrecada\u00e7\u00e3o de Receitas Federais). A exce\u00e7\u00e3o \u00e9 o DARF 9466 (residente no exterior), que \u00e9 pago no mesmo dia do cr\u00e9dito da folha do assistido. \u201cContudo ao pagar os valores devido aos participantes, o IR retido permanece sob gest\u00e3o da entidade at\u00e9 a data do pagamento do DARF, com o rendimento de juros, e, provavelmente, favorecendo esse plano em detrimento dos demais. Por essa raz\u00e3o, \u00e9 v\u00e1lido refletir qual metodologia de c\u00e1lculo de IR a entidade ir\u00e1 adotar.\u201d, diz Renata.&nbsp;<\/p>\n\n\n\n<p>\u00c9 importante frisar que, como as adequa\u00e7\u00f5es \u00e0 legisla\u00e7\u00e3o dependem, principalmente, de decis\u00f5es estrat\u00e9gicas por parte da entidade, a <a href=\"https:\/\/sinqia.com.br\/produtos\/previdencia\/\" target=\"_blank\" rel=\"noreferrer noopener\">Sinqia<\/a> tem sistemas organizados para recepcionar os direcionamentos para os seus clientes.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p> A partir de 2023, as Entidades Fechadas de Previd\u00eancia Complementar precisar\u00e3o se adequar a CNPC n\u00b0 46 e dever\u00e3o abrir uma conta para cada plano de benef\u00edcios, visando, principalmente, a independ\u00eancia patrimonial. Saiba mais.<\/p>\n","protected":false},"author":3,"featured_media":45911,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[997],"tags":[350,161],"class_list":["post-5570","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-regulamentacao","tag-previdencia","tag-regulamentacao"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Resolu\u00e7\u00e3o CNPC n\u00ba 46: veja as mudan\u00e7as para as Entidades Fechadas de Previd\u00eancia Complementar - Evertec Trends<\/title>\n<meta name=\"description\" content=\"A partir de 2023, as Entidades Fechadas de Previd\u00eancia Complementar precisar\u00e3o se adequar a CNPC n\u00b0 46 e dever\u00e3o abrir uma conta para cada plano de benef\u00edcios, visando, principalmente, a independ\u00eancia patrimonial. 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