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Vamos salvar a reforma
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ISBN10: 6209342787
ISBN13: 9786209342783
Publisher: Edicoes Nosso Conhecimento
Published: Nov 30 2025
Pages: 72
Weight: 0.24
Height: 0.17 Width: 6.00 Depth: 9.00
Language: Portuguese
ISBN13: 9786209342783
Publisher: Edicoes Nosso Conhecimento
Published: Nov 30 2025
Pages: 72
Weight: 0.24
Height: 0.17 Width: 6.00 Depth: 9.00
Language: Portuguese
Ao contrário dos trabalhadores em muitos paÃses desenvolvidos, hoje em dia muito poucos trabalhadores americanos podem esperar alcançar independência financeira à medida que envelhecem. Muitos serão obrigados a trabalhar até mais tarde, alguns até aos 70 anos. Este artigo recomenda um sistema único de pensões de contribuição definida (DC) privado para cobrir todos os trabalhadores, com um conjunto único de regras para substituir o atual mosaico de planos de reforma DC nos EUA. As principais disposições incluem - Criação de Fundos de Reforma Fiduciários (TRFs) amplamente diversificados, cujos patrocinadores são fiduciários, com responsabilidades fiduciárias. - Dedução na folha de pagamento do salário de cada funcionário para ir automaticamente para um TRF amplamente diversificado, a menos que o funcionário opte por não participar. - Os empregadores serão isentos da responsabilidade fiduciária. - Uso padrão das poupanças do TRF para comprar uma anuidade indexada imediata ou diferida. - Todos os TRFs e anuidades serão isentos de custos de marketing. - Deduções fiscais projetadas para permanecer dentro das despesas fiscais atuais dos EUA para a aposentadoria.
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