A educação financeira e a aposentadoria sob a visão dos estudantes das Ciências Atuariais, Contábeis e Econômicas da UFPB

Abstract

The main objective of this research was to identify financial education and retirement from the perspective of students of Actuarial, Accounting and Economic Sciences at UFPB. To carry it out, 184 face-to-face questionnaires and 82 questionnaires answered online through Google forms were applied, adding up to a total of 266 questionnaires with questions about the students' profile, students' knowledge about financial education and pensions, as well as whether they form a monetary reserve for the future and whether they know the investments that can be used to contribute to retirement. The results show that the students do not have knowledge about financial and social security education since 48% do not have knowledge about what a private pension plan such as PGBL and VGBL is, in addition when the respondents were asked if they knew other investments different from those mentioned the majority of the sample with 45% did not answer the open question, and when asked if the students made any investments, 40% revealed that they did not save money for it, the students were also short-sighted, they only thought about forming a retirement reserve when they had more stability, with 51% of the sample. It was possible to conclude that the lack of public policies for them to be inserted from childhood in schools causes the lack of this knowledge and measures can be taken to mitigate the problem, such as public institutions creating projects to develop students, as well as extension projects.