Is private pension a good deal? Retirement is a subject that worries many people, after all, time passes very quickly.
Thinking about a better retirement, many people are leaving the famous INSS behind and moving on to a private plan.
There are many banks with great private pension plans, and over the years, other financial institutions have entered the business.
This factor was very interesting to the customer, since the greater the competition, the better the plans for the customer. The more options you have, the better your final values will be.
However, if you have already entered into a private pension plan and found another more advantageous one, portability could be a great option.
Find out if private pension is a good deal? And if it is difficult to port it to another institution.
What precautions should you take with private pensions?
Firstly, choosing the financial institution well is essential, you must make sure that the institution chosen is trustworthy.
In other words, if it is suitable, you need to be very careful, there are many scams occurring on the internet. When you type “how to port your private pension”.
Some fraudsters have created links that direct you to a WhatsApp where the scams take place. Thus, scammers present very attractive plans, with very advantageous values for customers.
However, they say that for you to have access, you will need to pay an administrative fee. After the fee is paid you realize that it was all a big scam.
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An interesting tip is that portability can only occur within the same type of plan initially chosen. In other words, if it is a Free Benefit Generator Life you will not be able to exchange it.
Therefore, you cannot be too careful, make sure you are talking to the financial institution and not some scammer. Furthermore, avoid advance payments, have access to the contract before making any payments.
Insurance companies are constantly looking for new clients, so proposals tend to be very attractive.
What do you need to port your plan?
Initially, check whether the grace period has been respected, some contracts have a 60-day grace period. Counted from the signing of the contract, portability is prohibited before this period.
Soon after, your new insurer may request the transfer of your plan, pay attention to fees. Some insurers charge 10%, others up to 30%.
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To request portability you will need the CNPJ of the current fund, in addition, the SUSEP process that the plan is registered with.
Finally, the plan number will be required. Pay attention to the deadlines, the old insurer needs to respect the deadlines for sending your plan to the new insurer.
Therefore, portability must be carried out quickly and without much bureaucracy. Remembering that a good private pension plan can be great for your retirement.
Do the calculations, don't be in a rush to sign with an insurance company, do all the research, and think about your future. Aging safely remains the best decision.
