Women accumulate less pension and insurance amid cost pressures

This analysis adds to a sequence of recent publications on our economics portal pointing to the general increase in household operating and consumption costs, including logistical restrictions and inflationary pressures that generate a predominantly negative sentiment in the market. From the perspective of structural macroeconomics of cycles and liquidity, the current stage of tightening and deleveraging reduces risk propensity and restricts the flow of credit directed to long-term accumulation products, disproportionately affecting population segments with a lower pre-existing liquidity cushion.

Following the projections for the upcoming cycles, the 30 to 90-day horizon points to the maintenance of severe restrictions on family budgets, with the exchange rate hovering around the R$ 5.17 level and the IPCA pressing basic living costs, which will limit any significant expansion in the volume of new contributions to private pension plans. For the beginner investor and families seeking to protect their assets, the practical recommendation is to adopt the discipline of the margin of safety, starting by setting aside a fixed percentage, even if reduced to 5% of net monthly income, to form an emergency reserve before allocating to production.