This paper describes the main characteristics of "reverse mortgage" and it also assesses the main aspects related to its implementation in Brazil. A reverse mortgage is an equity release product that allows old people to convert their housing asset into an income flow, without the requirement of...

This article focuses on current aspects of the public servants` pension system in Brazil, dialoguing with the legislative proposal (PL no 1.992/2007) which aims to introduce a complementary pillar in the civil servants pension system. The proposal is been considered in Congress and will allow...

The employer`s payroll contribution for pension system relief has been one of the most important topic on the debate about social security. Some advocates that the traditional source of funds for pension system tends to undergo a process of erosion.And there are critics, who argue that there is...

Este artigo simula os efeitos de reformas previdenciárias paramétricas na previdência social, e os resultados mais importantes são: a) o valor presente da dívida atuarial é equivalente a 1,9 PIB de 2005, no cenário básico; b) a interrupção do crescimento real do piso previdenciário, a...

This paper has a double purpose. First, the author intends to discuss what is in game when the public social security is changed for private systems based on individual savings. Second, she aims to analyze why the neoliberal reforms are accepted easier in Latin America (with exception of Brazil)...