Much more than retirement: with BTG Pactual’s Private Pension, your assets work for you.
Private Pension is the ideal investment to help you build a secure future, but be aware that it goes far beyond just retirement. This type of investment offers various benefits and allows you to build your wealth with greater flexibility and diversification, focusing on the medium and long term.
Ensure a secure future without relying solely on Social Security for a comfortable retirement.
You can deduct up to 12% of your annual taxable gross income on your income tax return through contributions to PGBL plans.
Switch funds according to the needs of your portfolio without needing to withdraw the invested amount and invest in a new plan.
Plan for the future of your children and heirs in a simple and efficient way.
Achieve more attractive returns than those of investments subject to this taxation, as the money that would be collected continues to earn.
An advisor from BTG Pactual helps you create a diversified pension portfolio according to your investor profile.
There are two types of Private Pension plans: PGBL and VGBL. Discover which one makes more sense for you.
More suitable for those who file a complete income tax return and contribute to the INSS. It allows the deduction of the contribution amounts up to a limit of 12% of the annual taxable gross income. The income tax is applied to the total amount to be withdrawn (contributions and earnings).
Recommended for those who file a simplified income tax return or are exempt. It is also an option for those who file a complete return and wish to invest more than 12% of their annual taxable gross income in Private Pension, serving as a supplement for those investing in PGBL who would like to contribute an amount beyond what is covered by the tax benefit. The income tax is applied only to the earnings.
The taxation of Private Pension can be progressive or regressive. Each option is more suitable for different goals and investor profiles.
More suitable for short-term investments. The rates will be calculated based on the amount to be withdrawn, considering the income tax calculation base (see table below), with 15% withheld at source as a prepayment of the tax, and the adjustment must be made in the annual income tax return.
The income tax rates vary depending on the investment period, which is why it is ideal for those who can keep their funds invested for the long term.
