Perspectiva dos alunos de Ciências Contábeis da UFPB em relação ao planejamento para aposentadoria

Abstract

Financial education is essential for achieving good retirement conditions. Through knowledge and effective financial planning, put into practice as soon as possible, it's possible to acquire additional sources of income throughout one's life, in addition to Social Security, enabling a more comfortable retirement. This research aims to analyze the perspective of students in the Accounting program at UFPB regarding financial planning for retirement. For the development of this study, a methodology was used that employed both quantitative and qualitative approaches, describing the data collected through the administration of a questionnaire to 76 students. As a result, it was found that the majority declared having a moderate level of knowledge about personalfinances. Regarding financial assets, Savings stood out as the most recognized and owned asset among the respondents, while complementary pension plans (VGBL and PGBL) were the least known. It was also observed that, in their daily lives, most students mentioned little to no discussion of retirement planning, orthe topic is rarely mentioned. Despite this, they declareda moderate level of concern about retirement and expressed their intention to allocate up to 20% of their income for retirement preparation, primarily throughcontributions to INSS, followed by investments in the financial market.