Brazilian couples frequently neglect joint retirement planning

Research indicates a significant gap in financial communication among Brazilian couples. According to data from CNDL and SPC Brasil, 66% of couples do not discuss money, while 21% only address financial matters when difficulties arise.

Retirement planning is also frequently neglected. A study by Serasa and Opinion Box reveals that 60% of Brazilians only begin preparing for retirement five years before leaving the workforce. Experts warn that treating retirement as an individual project rather than a joint family dynamic can jeopardize long-term quality of life.

Financial specialists emphasize that couples must integrate pension analysis with wealth building. Following the Pension Reform, benefits are calculated based on 100% of the average contribution salaries without discarding lower contributions, which can reduce benefits for those with irregular or low-income periods. Experts recommend regular simulations and monitoring the National Social Information Registry (CNIS).