Personal Financial Planning for Retirement: A Study with Specialization Courses' Students of a Higher Education Institution

• Published in: Revista Sociedade, Contabilidade e Gestão
• Main Authors: Jônatas Dietrich, Gabriel Machado Braido
• Format: Article
• Language: Portuguese
• Published: Universidade Federal do Rio de Janeiro 2016-08-01
• Subjects: Personal Financial Planning; Retirement; Personal Finances
• Online Access: http://www.atena.org.br/revista/ojs-2.2.3-06/index.php/ufrj/article/viewFile/2781/2295
• ISSN: 1982-7342; 1982-7342

This article presents the results of a research aimed to identify whether students of specialization of a higher education institution of Rio Grande do Sul held a personal financial planning for retirement. Yet, through this study it was sought to determine how these students do their financial planning for retirement, and those who do not realize it why they do not. To develop this study, the method used had quantitative and descriptive approach, the results were obtained through a research conducted in the first half of 2015 with 166 students in 11 courses of specialization of a higher education institution. As a result, it was found that less than half of respondents hold a financial planning for retirement, the majority uses the private pension as a major investment for such planning and that those who do not realize allege the lack of resources to save and invest or, yet, they consider themselves too young to start this planning, but it was found that the vast majority of participants do not realize that financial planning for retirement plan to do it. Still, it was contacted that the level of knowledge of personal finance and items related to social security is greatest among participants who hold a personal financial planning for retirement.