{"id":5690,"date":"2023-03-23T12:31:13","date_gmt":"2023-03-23T15:31:13","guid":{"rendered":"https:\/\/sinqia.com.br\/?p=5690"},"modified":"2024-06-06T09:42:27","modified_gmt":"2024-06-06T12:42:27","slug":"tendencias-previdencia-complementar","status":"publish","type":"post","link":"https:\/\/evertectrends.dev.creativetm.co\/pt-br\/tendencias-previdencia-complementar\/","title":{"rendered":"Conhe\u00e7a 3 oportunidades para o setor de Previd\u00eancia Complementar em 2023"},"content":{"rendered":"

Desde a sua cria\u00e7\u00e3o, a<\/span> previd\u00eancia<\/span> complementar<\/span><\/strong> vem cumprindo um papel essencial<\/span> ao<\/span> ampliar a prote\u00e7\u00e3o social da popula\u00e7\u00e3o, garantindo um futuro<\/span> financeiro<\/span> mais<\/span> confort\u00e1vel<\/span>.<\/span> No Brasil, no entanto,<\/span> ainda h\u00e1 muito espa\u00e7o para<\/span> a modalidade<\/span> crescer<\/span> e <\/span>impactar a vida<\/span> de cada vez mais<\/span> pessoas.<\/span><\/span><\/span><\/p>\n

O<\/span> setor de<\/span> p<\/span>revid\u00eancia complementar<\/span><\/strong> no<\/span> Brasil<\/span> obteve um crescimento t\u00edmido nas<\/span> \u00faltimas duas d\u00e9cadas<\/span> em rela\u00e7\u00e3o a outros pa\u00edses<\/span> do mundo<\/span>, com<\/span> amplia\u00e7\u00e3o de 67% no<\/span> n\u00famero de participantes<\/span>,<\/span> 56% dos assistidos<\/span> e<\/span> 532% no patrim\u00f4nio<\/span>, segundo dados da<\/span> Abrapp<\/span><\/strong> (<\/span>Associa\u00e7\u00e3o Brasileira das Entidades Fechada<\/span>s de Previd\u00eancia Complementar<\/span>).<\/span>
<\/span><\/p>\n

A<\/span> representa\u00e7\u00e3o da previd\u00eancia em rela\u00e7\u00e3o ao PIB<\/span> permaneceu est\u00e1vel, em<\/span> 12,7%.<\/span><\/span>
A efeito de compara\u00e7\u00e3o, n<\/span>a<\/span> Austr\u00e1lia<\/span> essa representa\u00e7\u00e3o<\/span> cresceu<\/span> em<\/span> 132%,<\/span> na<\/span> Dinamarca 229% e<\/span>, na<\/span> Holanda<\/span>,<\/span> 213%.<\/span> Percebe<\/span>–<\/span>se, portanto, que h<\/span>\u00e1<\/span> caminhos<\/span> para o<\/span> sistema cresce<\/span>r<\/span> tamb\u00e9m<\/span> no Brasil<\/span>,<\/span> especialmente<\/span> agora<\/span>,<\/span> em<\/span> um cen\u00e1rio<\/span> de<\/span> crescimento <\/span>da expectativa de vida<\/span>.<\/span><\/span><\/span><\/p>\n

Al\u00e9m disso, chama aten\u00e7\u00e3o que o<\/span> Brasil<\/span> j\u00e1<\/span> possui um n\u00famero consider\u00e1vel de jovens<\/span> investindo em<\/span> previd\u00eancia privada<\/span><\/strong>. Segundo<\/span> levantamento da<\/span> Abrapp, 11%<\/span> dessa<\/span> popula\u00e7\u00e3o possui aplica\u00e7\u00f5es desse tipo.<\/span><\/span><\/span><\/p>\n

Diante desse cen\u00e1rio,<\/span> listamos 3<\/span> oportunidades<\/span> para o setor que est\u00e3o em alta e<\/span> que<\/span> devem<\/span> impactar<\/span> as estrat\u00e9gias<\/span> e resultados<\/span> das<\/span> entidades fechadas de previd\u00eancia<\/span> complementar<\/span><\/strong> ao longo de 2023.<\/span> Confira<\/span>:<\/span><\/span><\/p>\n

Institu\u00eddo Corporativo<\/span><\/span><\/span><\/span><\/h2>\n

Com a promessa de facilitar o acesso de trabalhadores ao benef\u00edcio da previd\u00eancia<\/span>, o\u00a0<\/span><\/span>plano institu\u00eddo corporativo foi uma das novidades de 2022<\/strong><\/span><\/span><\/a> e<\/span> que<\/span> deve<\/span> continuar<\/span> gerando mudan\u00e7as<\/span> positivas<\/span> em 2023<\/span>.<\/span><\/span><\/span><\/p>\n

A principal diferen\u00e7a entre o institu\u00eddo corporativo e os planos patrocinados \u00e9 que o<\/span> modelo patrocinado \u00e9 restrito aos funcion\u00e1rios de uma determinada empresa, j\u00e1<\/span> o<\/span> institu\u00eddo corporativo<\/span> \u00e9 um plano oferecido por sindicatos, associa\u00e7\u00f5es e entidades de<\/span> cla<\/span>sse<\/span> que<\/span> deve<\/span> flexibilizar<\/span> amarras<\/span> existentes<\/span> nos<\/span> planos<\/span> patrocinados<\/span><\/strong> pelos<\/span>\u00a0 empregadores.<\/span><\/span><\/span><\/p>\n

Os<\/span> planos<\/span> corporativos<\/span>, portanto,<\/span> p<\/span>odem ser oferecidos a funcion\u00e1rios de empresas de <\/span>um<\/span> mesmo<\/span> grupo<\/span> econ\u00f4mico<\/span> e<\/span> por<\/span> outras<\/span> companhias<\/span> ligadas<\/span> a<\/span> elas,<\/span> como fornecedores e prestadores de servi\u00e7os, ampliando o potencial de pessoas que poderiam aderir ao plano.<\/span><\/span><\/span><\/span><\/p>\n

Por exemplo, uma empresa do setor de varejo, que j\u00e1 tenha uma entidade de previd\u00eancia fechada, pode atrair trabalhadores contratados por uma empresa terceirizada ou criar planos para aut\u00f4nomos que atuam como prestadores de servi\u00e7os.<\/span>
<\/span><\/span><\/span><\/p>\n

Uma das vantagens deste modelo \u00e9 que os novos planos n\u00e3o t\u00eam amarras de outras modalidades, principalmente com a exig\u00eancia de contribui\u00e7\u00e3o obrigat\u00f3ria. Al\u00e9m disso, a flexibiliza\u00e7\u00e3o do plano pode beneficiar os trabalhadores aut\u00f4nomos e pessoas jur\u00eddicas, englobando uma categoria de trabalhadores que est\u00e1 em movimento crescente no Brasil.<\/span><\/span><\/span><\/span><\/p>\n

Por trazer mais flexibilidade do que os planos patrocinados, a Abrapp tem a expectativa de que o modelo incentive mais empres\u00e1rios e lideran\u00e7as a oferecer o benef\u00edcio aos seus empregados, j\u00e1 que n\u00e3o os obriga a realizar aportes, o que acaba sendo mais atraente financeiramente.<\/span>
\n<\/span><\/span><\/p>\n

Resolu\u00e7\u00e3o CNPC<\/span> N\u00ba<\/span> 50<\/span><\/span><\/span><\/h2>\n

Um dos pontos centrais da Resolu\u00e7\u00e3o \u00e9 a amplia\u00e7\u00e3o e flexibiliza\u00e7\u00e3o das op\u00e7\u00f5es de<\/span> institutos<\/span> de<\/span> autopatroc\u00ednio,<\/span> BPD<\/span> (Benef\u00edcio<\/span> Proporcional<\/span> Diferido),<\/span> resgate<\/span> e<\/span> portabilidade. O participa<\/span>nte, por exemplo, poder\u00e1 optar pela<\/span> portabilidade<\/span> parcial e<\/span> resgate parcial<\/span> sem a necessidade de quebra do v\u00ednculo empregat\u00edcio.<\/span> Contudo, essa<\/span> n\u00e3o \u00e9 uma adapta\u00e7\u00e3o obrigat\u00f3ria e a entidade poder\u00e1 optar ou n\u00e3o pela portabilidade<\/span> parcial do plano.<\/span><\/span><\/span><\/p>\n

Outro ponto central na resolu\u00e7\u00e3o \u00e9 em rela\u00e7\u00e3o aos m\u00faltiplos institutos: a partir da<\/span> resolu\u00e7\u00e3o CNPC N\u00ba 50, ser\u00e1 poss\u00edvel realizar resgates e<\/span> portabilidades parciais durante<\/span> a fase de acumula\u00e7\u00e3o de recursos.<\/span> A possibilidade de fazer saques durante a fase<\/span> de <\/span>contribui\u00e7\u00f5es abre um leque de possibilidades \u00e0s entidades fechadas.<\/span> Contudo, caber\u00e1<\/span> \u00e0 entidade optar ou n\u00e3o pelos m\u00faltiplos institutos.<\/span><\/span><\/span><\/p>\n

Na pr\u00e1tica<\/span>,<\/span> por fim,<\/span> a resolu\u00e7\u00e3o<\/span> ajuda a flexibilizar<\/span> os planos fechados com regras mais<\/span> modernas, adaptadas<\/span> \u00e0<\/span>s necessidades do novo mercado de trabalho e em busca de um<\/span> maior equil\u00edbrio entre os produtos das entidades fechadas e abertas da previd\u00eancia <\/span>complementar.<\/span><\/span><\/span><\/p>\n

Espera<\/span>–<\/span>se, portanto, um aumento d<\/span>a<\/span> competitividade<\/span> entre entidades<\/span>, assim como<\/span> atra\u00e7\u00e3o<\/span> e<\/span> fideliza\u00e7<\/span>\u00e3o de<\/span> participantes. Es<\/span>tes, por sua vez,<\/span> ter\u00e3o mais liquidez e liberdade <\/span>para gerir seus recursos ao longo da vida.<\/span><\/span><\/p>\n

Melhorias<\/span> em tecnologia e governan\u00e7a<\/span><\/span><\/h3>\n

Por fim, outra<\/span> grande oportunidade para o<\/span> setor de<\/span> previd\u00eancia complementar<\/span> \u00e9<\/span> a<\/span> melhoria<\/span> em<\/span> efici\u00eancia<\/span> operacional,<\/span> com<\/span> o<\/span> uso de tecnologia<\/span> e inova\u00e7\u00e3o, e de<\/span> governan\u00e7a, com<\/span> novas resolu\u00e7\u00f5es voltadas para a<\/span> transpar\u00eancia<\/span> do setor<\/span>.<\/span><\/span><\/span><\/p>\n

As entidades que<\/span> j\u00e1 acompanham<\/span> a transforma\u00e7\u00e3o digital do<\/span> segmento<\/span> t\u00eam registrado<\/span> ganhos expressivos em<\/span> rapidez e red<\/span>u\u00e7\u00e3o de custos administrativos dos<\/span> planos de<\/span> benef\u00edcios<\/span><\/strong>.<\/span> Para 2023, a expectativa<\/span> \u00e9<\/span> que o setor invista<\/span> ainda mais<\/span> em sua<\/span> presen\u00e7a<\/span> digital<\/span>, tendo<\/span> como foco o p\u00fablico jovem.<\/span><\/span><\/span><\/p>\n

A<\/span> transpar\u00eancia<\/span>, por sua vez,<\/span> tende a ser aprimorada, seja nos planos dos entes<\/span> federativos ou das empresas privadas e p\u00fablicas<\/span>.<\/span> Afinal, o<\/span>s<\/span> participantes t\u00eam direito \u00e0<\/span> informa\u00e7\u00e3o<\/span> e isso<\/span> \u00e9 fundamental para a sobreviv\u00eancia do<\/span> pr\u00f3prio<\/span> sistema<\/span>. Al\u00e9m disso,<\/span> a t<\/span>ranspar\u00eancia est\u00e1 prevista na<\/span> lei complementar 109 do direito \u00e0 informa\u00e7\u00e3o, regida<\/span> tamb\u00e9m<\/span> pela Resolu\u00e7\u00e3o<\/span> N<\/span>\u00ba<\/span> 32 do CNPC<\/span>.<\/span><\/span><\/span><\/p>\n

Os controles<\/span> regulat\u00f3rios<\/span> tamb\u00e9m t<\/span>\u00ea<\/span>m sido cada vez mais<\/span> fortes<\/span>,<\/span> como<\/span> \u00e9<\/span> caso da<\/span> Resolu\u00e7\u00e3o CNPC<\/span> N\u00ba<\/span> 31, do CNPJ por plano, que tem como foco a<\/span> independ\u00eancia<\/span> patrimonial para cada plano de benef\u00edcios.<\/span> As entidades ter\u00e3o at\u00e9 o dia 30 de junho de<\/span> 2023 para<\/span><\/span> garantir a implanta\u00e7\u00e3o dos procediment<\/span>os<\/span><\/span><\/a><\/strong> para o CNPJ por plano.<\/span><\/span><\/span><\/p>\n

Por fim, vale destacar que a<\/span>s<\/span> adequa\u00e7\u00f5es<\/span> legais existem como forma de<\/span> acelerar cada<\/span> vez mais o crescimento do setor<\/span>.<\/span> Al\u00e9m disso, o<\/span> novo consumidor da Previd\u00eancia Privada<\/span> demanda produtos mais fle<\/span>x\u00edveis, simples, acess\u00edveis, claros e seguros.<\/span><\/span><\/span><\/p>\n

A<\/span><\/span> Sinqia<\/span><\/span><\/strong><\/a>, por sua vez,<\/span> tem sistemas organizados para<\/span> direcionar<\/span> os seus clientes<\/span> do setor<\/span> de<\/span> Previd\u00eancia<\/span> Complementar<\/span><\/strong> da melhor forma<\/span>, assim como oferecer as melhores <\/span>solu\u00e7\u00f5es e<\/span>m tecnologia para impulsionar a efici\u00eancia operacional do segmento.<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

A previd\u00eancia complementar possui o importante papel de ampliar a prote\u00e7\u00e3o social para a popula\u00e7\u00e3o. No Brasil, as oportunidades de crescimento desse setor s\u00e3o muitas. Saiba mais!<\/p>\n","protected":false},"author":9,"featured_media":45941,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[998],"tags":[],"class_list":["post-5690","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tech-e-trends"],"yoast_head":"\nConhe\u00e7a 3 oportunidades para o setor de Previd\u00eancia Complementar em 2023 - Evertec Trends<\/title>\n<meta name=\"description\" content=\"A previd\u00eancia complementar possui o importante papel de ampliar aprote\u00e7\u00e3o social para a popula\u00e7\u00e3o. No Brasil, as oportunidades de crescimento dessesetor s\u00e3o muitas. 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Em janeiro deste ano, entrou em vigor a <\/span><\/span>Resolu\u00e7\u00e3o CNPC<\/span> N\u00ba<\/span> 50<\/span><\/span><\/a><\/strong>, que<\/span> disp\u00f5e sobre os<\/span> institutos do benef\u00edcio proporcional diferido, da portabilida<\/span>de, do resgate e do<\/span> autopatroc\u00ednio em planos administrados por<\/span> EFPCs.<\/span><\/span><\/span><\/p>\n