{"id":8067,"date":"2026-04-27T13:36:18","date_gmt":"2026-04-27T16:36:18","guid":{"rendered":"https:\/\/politiciando.com.br\/?p=8067"},"modified":"2026-04-27T13:36:19","modified_gmt":"2026-04-27T16:36:19","slug":"por-que-o-jovem-precisa-comecar-a-planejar-a-aposentadoria-agora","status":"publish","type":"post","link":"https:\/\/politiciando.com.br\/?p=8067","title":{"rendered":"Por que o jovem precisa come\u00e7ar a planejar a aposentadoria agora"},"content":{"rendered":"\n<p><em>Especialista alerta que come\u00e7ar cedo garante prote\u00e7\u00e3o ao longo da vida e pode evitar perdas no valor do benef\u00edcio<\/em><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Apesar de ainda ser vista como um tema distante, a aposentadoria j\u00e1 deveria fazer parte das preocupa\u00e7\u00f5es de quem est\u00e1 come\u00e7ando a vida profissional. O Dia Internacional do Jovem Trabalhador, em 24 de abril, refor\u00e7a a import\u00e2ncia de discutir o assunto sob a \u00f3tica de quem ainda est\u00e1 no in\u00edcio da carreira, e muitas vezes fora do radar da Previd\u00eancia.<\/p>\n\n\n\n<p>Para o advogado previdenciarista Jefferson Maleski, do escrit\u00f3rio Celso C\u00e2ndido de Souza Advogados, a l\u00f3gica da aposentadoria mudou e exige planejamento desde cedo. \u201cPorque a aposentadoria hoje depende muito mais de tempo e regularidade de contribui\u00e7\u00e3o do que de idade apenas. Quem come\u00e7a cedo constr\u00f3i um hist\u00f3rico mais s\u00f3lido e evita correr contra o tempo l\u00e1 na frente\u201d, afirma.&nbsp;<\/p>\n\n\n\n<p>Ele lembra que a Previd\u00eancia vai al\u00e9m do benef\u00edcio no fim da vida. \u201cEla tamb\u00e9m protege em casos de doen\u00e7a, acidente ou at\u00e9 morte. Ent\u00e3o, pensar nisso cedo n\u00e3o \u00e9 sobre velhice, \u00e9 sobre seguran\u00e7a ao longo da vida.\u201d<\/p>\n\n\n\n<p>Entre os principais problemas, segundo o especialista, est\u00e1 a falta de contribui\u00e7\u00e3o, especialmente entre jovens que atuam como aut\u00f4nomos ou freelancers. \u201cO principal erro \u00e9 simplesmente n\u00e3o contribuir. Muitos jovens trabalham, geram renda, mas n\u00e3o se preocupam em formalizar isso perante o INSS\u201d, explica.&nbsp;<\/p>\n\n\n\n<p>Outro ponto cr\u00edtico \u00e9 a irregularidade. \u201cOutro erro comum \u00e9 contribuir de forma irregular, pagando alguns meses e depois parando, o que quebra a prote\u00e7\u00e3o previdenci\u00e1ria.\u201d Ele tamb\u00e9m destaca a falta de planejamento na escolha do tipo e valor de contribui\u00e7\u00e3o, o que pode impactar diretamente no benef\u00edcio futuro.<\/p>\n\n\n\n<p>As mudan\u00e7as nas regras da Previd\u00eancia tamb\u00e9m aumentaram o peso do planejamento. De acordo com Maleski, os jovens tendem a enfrentar um cen\u00e1rio mais exigente. \u201cOs jovens tendem a se aposentar mais tarde e, em muitos casos, com benef\u00edcios menores se n\u00e3o houver planejamento\u201d, diz.&nbsp;<\/p>\n\n\n\n<p>Segundo ele, a reforma trouxe idade m\u00ednima obrigat\u00f3ria e um c\u00e1lculo que considera praticamente toda a vida contributiva. \u201cIsso significa que n\u00e3o d\u00e1 mais para deixar para contribuir s\u00f3 no final da carreira.\u201d<\/p>\n\n\n\n<p>Por outro lado, come\u00e7ar cedo pode fazer diferen\u00e7a. \u201cQuem come\u00e7a cedo consegue cumprir o tempo m\u00ednimo com mais tranquilidade e tem mais chances de atingir um valor melhor de benef\u00edcio\u201d, afirma.&nbsp;<\/p>\n\n\n\n<p>Isso acontece porque o c\u00e1lculo leva em conta a m\u00e9dia das contribui\u00e7\u00f5es ao longo da vida. \u201cAl\u00e9m disso, evita lacunas no hist\u00f3rico, que s\u00e3o muito prejudiciais. Na pr\u00e1tica, come\u00e7ar cedo significa mais previsibilidade e menos risco de depender de benef\u00edcio assistencial no futuro.\u201d<\/p>\n\n\n\n<p>Para quem ainda n\u00e3o contribui, h\u00e1 caminhos acess\u00edveis. \u201cO caminho mais simples hoje \u00e9 o MEI, para quem trabalha por conta pr\u00f3pria, porque tem uma contribui\u00e7\u00e3o reduzida e j\u00e1 garante acesso aos principais benef\u00edcios\u201d, orienta.&nbsp;<\/p>\n\n\n\n<p>Ele tamb\u00e9m cita outras possibilidades. \u201cExiste a op\u00e7\u00e3o de contribuir como segurado facultativo, para quem n\u00e3o tem renda formal, e como contribuinte individual, para quem presta servi\u00e7os.\u201d O mais importante, segundo ele, \u00e9 a regularidade. \u201cCome\u00e7ar de forma regular, mesmo com valores menores, e depois ajustar conforme a renda aumenta.\u201d<\/p>\n\n\n\n<p>Al\u00e9m do INSS, o especialista recomenda que os jovens ampliem a vis\u00e3o sobre o futuro financeiro. \u201cO INSS deve ser visto como uma base de prote\u00e7\u00e3o, n\u00e3o como \u00fanica fonte de renda no futuro\u201d, afirma. Nesse contexto, entram alternativas como previd\u00eancia privada e outros investimentos. \u201cO ideal \u00e9 come\u00e7ar o quanto antes, mesmo com valores pequenos, aproveitando o tempo a favor. Quanto mais cedo a pessoa come\u00e7a, menor precisa ser o esfor\u00e7o mensal para alcan\u00e7ar um resultado significativo l\u00e1 na frente.\u201d<\/p>\n\n\n\n<script type=\"text\/javascript\">\nvar rnd = window.rnd || Math.floor(Math.random()*10e6);\nvar pid1063088 = window.pid1063088 || rnd;\nvar plc1063088 = window.plc1063088 || 0;\nvar abkw = window.abkw || '';\nvar absrc = 'https:\/\/servedby.metrike.com.br\/adserve\/;ID=181570;size=728x90;setID=1063088;type=js;sw='+screen.width+';sh='+screen.height+';spr='+window.devicePixelRatio+';kw='+abkw+';pid='+pid1063088+';place='+(plc1063088++)+';rnd='+rnd+'';\ndocument.write('<scr'+'ipt src=\"'+absrc+'\" type=\"text\/javascript\"><\/scr'+'ipt>');\n<\/script>\n\n\n\n<script type=\"text\/javascript\">\nvar rnd = window.rnd || Math.floor(Math.random()*10e6);\nvar pid1063088 = window.pid1063088 || rnd;\nvar plc1063088 = window.plc1063088 || 0;\nvar abkw = window.abkw || '';\nvar absrc = 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