O potencial crescimento de planos de previdência complementar com igrejas como instituidor, Brasil, 2010

Abstract

The moment of retirement is the phase in which the individual is no longer fully active in the workforce, thus requiring some income, such as pension benefits. While the Social Security System, of a public and mandatory nature, faces sustainability difficulties, the regulation and structuring of complementary pensions, private and of a facultative nature advances. The Complementary Social Security System is subdivided into Open Complementary Social Security Entities and Closed Complementary Social Security Entities (pension funds), the latter of which can be closed to a group of people linked by employment (with the sponsor) or associative (with the institute). In this context, the present study aimed to present the potential growth of Closed Complementary Pension plans in which the institute is a church in Brazil based on the data from the 2010 Census. To do so, through a descriptive study, the population of members of the main religious denominations was verified, as well as the income distribution of these populations. As the research methodology understood, to calculate the potential for growth, it is necessary to assume that people between 20 and 59 years old who earn more than 10 minimum wages are more likely to join a complementary pension plan, both for Brazil and its regions. The results indicate that, for Brazil, 181,000 people of Christian religions may join plans instituted by churches. Now, individualized for each region of the country, the North has the potential for more than 8,500 Christians joining a Supplementary Pension with the church being an institute. In the Northeast, it reaches 25,100 faithful, while in the Southeast and South, they are, respectively, 98,600 and 30,100 members of the religious community. In the Midwest, potential membership reaches 21,600.