Uma Análise da Composição da Renda da População Urbana Segundo Diferentes Fontes com ênfase na Renda Previdenciária no Período 1992-2002

Kaizô Iwakami Beltrão, Sonoe Sugahara and Flávio Rabelo

No 1078, Discussion Papers from Instituto de Pesquisa Econômica Aplicada - IPEA

Abstract: The social security policies can be described as a set of actions that aim to cover theeventual loss of the working capacity. In general, the public systems intend to cover abasic portion of the income, without the intention of keeping the total purchasingpower. It is usually left to the complementary funds to fulfill this function. In Brazil, thehistory of the complementary funds is relatively recent: the law that regulated these fundsfor the first time (Law 6.435) was approved in 1977. In the past, individuals with higherincome used alternative strategies for the maintenance of their purchasing power.Familiar investments in property and businesses were the most common options, sincethe stock market was very incipient. More recently it is already possible to notice theweight of the private pension funds (open and closed) in the income of the agedBrazilians. This work has as objective the analysis of the urban population disaggregatedby sex, groups of age and schooling of the head of the domicile, in the period 1992-2002according to the different sources of income. Another objective is to calculate the relativeweight of each one of these income sources in the individual budget, as well as itsevolution in the last decade and along the life cycle. Special emphasis is placed on theincome received from social security: when the most aged population is focused, theanalysis of the different strategies used (or not) by the individuals to equalize the incomealong the life cycle points to the fact that between the alternatives, the most efficient onesseem to be the accumulation with the work and or the existence of a complementaryfund. The used data are from different PNADs along the time period 1992-2002.

Pages: 48 pages
Date: 2005-03
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