Educação financeira e preparação para a aposentadoria: um estudo com jovens profissionais

Abstract

This study investigates the influence of financial education on retirement planning among early-career professionals, identifying key obstacles and the relationship between theoretical knowledge and practical application. Grounded in theories such as the Expected Utility Theory, the Life-Cycle Hypothesis, and the Modern Portfolio Theory, the research analyzes data on the Brazilian pension system and the behavioral and examines the structural and financial factors that hinder long-term saving. A qualitative approach was employed through a questionnaire administered to young professionals, assessing sociodemographic profiles, financial literacy levels, and retirement-oriented practices. The findings reveal that, although participants recognize the importance of preparing for the future, many face difficulties in estimating the amount required for retirement, handling unforeseen circumstances, and adjusting their plans in response to economic changes. Over half of the respondents do not make regular contributions to private pension plans, despite considering them important, and lack knowledge about the variety of financial products available to support the achievement of long-term financial freedom. The study concludes that financial education is a decisive factor in bridging the gap between knowing and doing, highlighting the need to expand accessible, contextualized training programs tailored to diverse socioeconomic realities, enabling individuals from all backgrounds to develop solid financial skills throughout life.