Read e-book online Adeus Aposentadoria: Como Garantir Seu Futuro Sem Depender PDF

By Gustavo Cerbasi

ISBN-10: 8543100984

ISBN-13: 9788543100982

Adeus, aposentadoria – Esqueça tudo o que você já ouviu falar sobre aposentadoria. A ideia de parar de trabalhar e se sustentar com um auxílio mensal é um conceito ultrapassado para dar conta do padrão de vida que queremos ter.

Bancos, empresas de previdência, fundos de pensão e o Ministério da Previdência Social recomendam que as pessoas poupem mais ao longo dos anos para chegarem com uma boa reserva à idade avançada. Mas será que apenas essa poupança get to the bottom of o problema?

Quem já passou dos 60 anos lamenta não ter se esforçado mais no passado e sabe que, mesmo que tivesse dobrado seu esforço, ainda estaria longe de uma situação confortável. Como estamos vivendo mais, com mais qualidade, custo de vida mais alto e maior nível educacional e cultural, a renda de uma aposentadoria – pública ou privada – não é suficiente hoje. A velha fórmula deixou de funcionar.

É preciso adotar um modelo realista para planejar o futuro. Reunindo
pesquisas e reflexões sobre casos de fracasso e de sucesso, este livro propõe uma nova forma de enxergar o trabalho e de lidar com o dinheiro, oferecendo conselhos atualizados sobre a melhor maneira de se educar, de investir, de empreender e de gerenciar a carreira.

Ao longo de mais de uma década, Gustavo Cerbasi vem se dedicando a estudar e trabalhar com educação financeira, orientando públicos de diversas idades e periods sociais. Em Adeus, aposentadoria, ele apresenta um plano para administrar sua riqueza que inclui dicas personalizadas de acordo com sua faixa etária. Além disso, faz uma análise das modalidades existentes de aposentadoria e aponta suas principais falhas.

Sem dúvida, o desafio para conquistar uma vida futura mantendo o padrão atual e sem depender de ninguém é grande, mas é possível se começarmos a realizar esse projeto desde já.

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To these people, please be sure I am grateful to all of you. There are a few people who had a much more direct hand in this project to whom explicit thanks are due here: to Nassim Taleb, my co-lecturer at Courant who through good-natured heckling helped shape the contents of my lectures, to Peter Carr, Bruno Dupire and Marco Avellaneda for helpful and insightful conversations and finally to Neil Chriss for sharing some good writing tips and for inviting me to lecture at Courant in the first place.

1 SPX daily log returns from December 31, 1984, to December 31, 2004. 9% return on October 19, 1987! From a hedging perspective, traders who use the Black-Scholes model must continuously change the volatility assumption in order to match market prices. Their hedge ratios change accordingly in an uncontrolled way: SV models bring some order into this chaos. A practical point that is more pertinent to a recurring theme of this book is that the prices of exotic options given by models based on BlackScholes assumptions can be wildly wrong and dealers in such options are motivated to find models that can take the volatility smile into account when pricing these.

Otherwise, there’s no guarantee and this discretization doesn’t work. Given that Heston parameters in practice often don’t satisfy 2 λ v/η2 > 1, we are led to prefer the Milstein discretization, which is in any case simpler. Sampling from the Exact Transition Law As Paul Glasserman (2004) points out in his excellent book on Monte Carlo methods, the problem of negative variances may be avoided altogether by sampling from the exact transition law of the process. Broadie and Kaya (2004) show in detail how this may be done for the Heston process but their method turns out also to be very time consuming as it involves integration of a characteristic function expressed in terms of Bessel functions.

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Adeus Aposentadoria: Como Garantir Seu Futuro Sem Depender dos Outros by Gustavo Cerbasi


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