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Private Pension Plan
Planning for retirement is essential to ensure a comfortable and worry-free future. A Private Pension Plan allows you to accumulate savings over time, helping you maintain financial security after you stop working.
BKS helps you select the best private pension plan, connecting you with top insurance providers to ensure a safe, profitable, and personalized investment.
What is a Private Pension Plan?
A Private Pension Plan is a long-term investment plan designed to provide a complementary retirement income. Unlike government pensions, private plans offer greater control over contributions, returns, and withdrawals.
Additionally, many plans include inheritance benefits, allowing the accumulated capital to be transferred directly to beneficiaries in case of death.
How Does a Private Pension Plan Work?
Plan
Selection
Fund
Accumulation
Tax
Benefits
Withdrawals
or Annuities
With BKS, you get expert guidance to find the best plan, ensuring security and profitability for your future.
Who Should Consider a Private Pension Plan?
Private pension plans are ideal for anyone looking to plan for retirement and ensure a more secure financial future.
💰 Self-employed professionals and freelancers – Ensure income in retirement without relying on government benefits.
🏢 Business owners and executives – Financial protection with efficient tax planning.
👨👩👧👦 Parents investing in their children’s future – Pension plans can also be used for education and other financial goals.
📈 Investors seeking diversification – A strategic option for building a long-term portfolio.
No matter your profile, BKS Insurance Brokerage is here to help you find the ideal private pension plan for your future.
Types of Private Pension Plans
When choosing a private pension plan, you can select between two main models:
PGBL
(Plano Gerador de Benefício Livre)
Recommended for those who file a complete income tax return, as it allows deduction of up to 12% of taxable income. Taxation applies only at the time of withdrawal and over the total amount.
VGBL
(Vida Gerador de Benefício Livre)
Ideal for those who file a simplified income tax return or are not subject to income tax. In this model, taxation at the time of withdrawal applies only to investment returns, not the total accumulated amount.
BKS Insurance Brokerage helps you choose between PGBL and VGBL, ensuring your decision is financially strategic and aligned with your long-term retirement goals.
Benefits of a Private Pension Plan
Retirement Income
Supplement
Maintain financial stability beyond government pensions.
Tax
Advantages
Potential deductions for certain plans.
Flexible
Contributions
Adjust investments based on your financial situation.
Succession
Planning
Transfer accumulated funds directly to beneficiaries.
Diverse Investment
Options
Choose between conservative, moderate, or high-risk funds.
Why Choose BKS?
Compare Multiple Insurers
Get the best deal and save money.
Full
Transparency
No hidden fees or surprises.
Personalized
Service
Expert guidance throughout the entire process.
Fast and
Hassle-Free
Simple application with minimal paperwork.
Our mission is to help you build a solid financial future with confidence.
Personal Insurance
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