A anuidade mais barata dos Estados Unidos se chama Social Security

A equipe da Faculdade de Boston que estuda aposentadorias fez um estudo muito interessante e chegou a conclusao que a melhor forma para as pessoas transformarem seus fundos de 401k (um tipo de fundo de garantia que o empregado e seu empregador contribuem para que aos 59 anos e meio o empregado possa comecar a retirar o valor depositado) em um fluxo mensal de ganhos é atraves da “compra” de uma anuidade do Seguro Social Americano. Segundo o estudo, a maioria das pessoas nao se dão conta que o SS é de certa forma uma anuidade e que possui o produto mais barato do mercado Americano.

O estudo da um exemplo de como calcular a taxa de anuidade do SS se uma pessoa esperar um ano a mais para se aposentar e hipoteticamente utilizar o mesmo valor que o SS pagaria no ano seguinte a idade de aposentadoria utilizando o dinheiro do plano 401k

No exemplo abaixo, o valor utilizado da poupanca em um ano é o preço (12860) , e o aumento em benefico mensal (860) é a anuidade que ele esta comprando

Exemplo ilustrativo

Digamos que voce nasceu em 1962. Se voce decidir se aposentar ao 65 anos digamos que voce tem direito a coletar anualmente 12 Mil Dolares por ano, ou 1 mil pro mes. Se esperar mais um ano, ou seja se aposentar aos 66 anos, O SS sera de 12860 ou $860.00 a mais por ano. Portanto se voce nao se aposentar aos 65 e usar o valor de $12860.00 para pagar suas despesas durante os seus 65 anos de idade, o valor de 12860 é o preco do ganho anual de 860 dolares. A taxa da anuidade (o valor do ganho adicional como porcentagem do preco de compra) portanto seria de 6.7% ou $860 / $12860 Lembre-se que os beneficios de SS são indexados a inflação, portanto o aposentado esta comprando uma anuidade verdadeira. Ha grandes empresas Americanas (como a Vanguard) que pagam anuidade mas numa taxa muito inferior

Vale lembrar que o cidadao Americano pode optar por se aposentar aos 62 anos, porem recebera apenas 70% daquilo que teria se esperar ate os 67 anos(essa regra se aplica aqueles que nasceram a partir de 1960). Quem nasceu antes de 1938 tem aposentadoria integral (100%) assim que que passou a ter 65 anos de idade. Aqueles que nasceram entre 1938 e 1959 pagam um “agio progressivo” de 2 meses (aqueles nascidos em 1938) a um ano e 8 meses (aqueles nascidos em 1959) para obter aposentadoria integral ou aposentadoria de 100%.

Veja tablea abaixo:

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Resumo em Ingles:

Households now retiring need to transform their 401(k) and IRA savings into retirement income.
One way is to delay claiming Social Security to increase their monthly benefit, using savings to pay current expenses while they wait.
In effect, they are buying an annuity from Social Security: The savings used is the “price” and the increase in their monthly benefit the annuity income it “buys.”
Buying an annuity from Social Security is generally the best deal in town, especially in today’s low interest-rate environment.

Texto completo retirado do artigo
The Center for Retirement Research at Boston College has just released a new study that shows that the best way for people to turn their 401(k) balances into a stream of income is to “buy” an annuity from Social Security. Many people don’t recognize that Social Security is in the annuity business, but it is and it has the cheapest product in town.

As more people approach retirement with 401(k) plans as their only supplement to Social Security, they face the challenge of how best to use their accumulated 401(k) assets to support themselves once they stop working. They could invest in safe assets and try to live off the interest, but the value of the assets would erode as prices rise and interest income would fluctuate as nominal interest rates rise and fall. They could invest in a portfolio of stocks and bonds and draw out some percent each month, but to avoid outliving their assets that draw is now about 3 percent. They could take some of their money to an insurance company and buy an annuity, but commercial annuities tend to be expensive because they are designed for people with above-average life expectancy and involve considerable marketing costs.

[Related: What’s a Realistic Retirement Age?]

A much better alternative is for the household to “buy” an annuity from Social Security. They can make this “purchase” by using their savings to pay current expenses and delaying claiming to get a higher monthly benefit at an older age. The savings used is the “price” and the increase in monthly benefits is the annuity it “buys.”

For example, consider a retiree who could claim $12,000 a year at age 65 and $12,860 at age 66 – $860 more. If he delays claiming for a year and uses $12,860 from savings to pay the bills that year, $12,860 is the price of the extra $860 annuity income.[1] The annuity rate – the additional annuity income as a percent of the purchase price – would be 6.7 percent ($860/$12,860). Remember that Social Security benefits are indexed for inflation, so the retiree is buying a real annuity. Vanguard – a wonderful company – also sells real annuities but it pays much lower rates.

The reason that Social Security annuities are a better deal than those in the private market is that Social Security can offer a product that is actuarially fair – they are based on the life expectancy of the average person (not those people whose parents lived into their 90s) and Social Security doesn’t have to worry about marketing costs or profits. Moreover, in this period of very low rates, Social Security is an especially good deal because the increase in benefits is not based on current rates but rather is a basic feature of the system. So buying an annuity from Social Security, especially in today’s low interest rate environment, is the best deal in town.

So read the study and tell your friends with some 401(k) assets to use them to delay claiming their Social Security benefit.

Alicia Munnell, the director of the Center for Retirement Research at Boston College, is a weekly contributor to “Encore.

If you were born in 1960 or later
Your full retirement age is 67
Remember, the earliest a person can start receiving Social Security retirement benefits will remain age 62.

If you start receiving retirement benefits at
• age 62, you will get 70% of the monthly benefit because you will be getting benefits for an additional 60 months.
• age 65, you will get 86.7% of the monthly benefit because you will be getting benefits for an additional 24 months.
If you start receiving benefits as a spouse at your full retirement age, you will get 50% of the monthly benefit your spouse would receive if his or her benefits started at full retirement age. If you start receiving benefits at
• age 62, you will get 32.5% of the monthly benefit instead of 50% because you will be getting benefits for an additional 60 months.
• age 65, you will get 41.7% of the monthly benefit instead of 50% because you will be getting benefits for an additional 24 months.
Note: If you qualify for benefits as a Survivor, your full retirement age may be different.

Summary:
Households now retiring need to transform their 401(k) and IRA savings into retirement income.
One way is to delay claiming Social Security to increase their monthly benefit, using savings to pay current expenses while they wait.
In effect, they are buying an annuity from Social Security: The savings used is the “price” and the increase in their monthly benefit the annuity income it “buys.”
Buying an annuity from Social Security is generally the best deal in town, especially in today’s low interest-rate environment.
source: Boston College

Artigo Original

Tabela Progressiva do valor porcentual da aposentadoria de uma pessoa:

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