{"id":3236,"date":"2021-09-08T02:00:31","date_gmt":"2021-09-08T05:00:31","guid":{"rendered":"https:\/\/futurofunsejem.org.br\/online\/?p=3236"},"modified":"2021-09-08T15:50:00","modified_gmt":"2021-09-08T18:50:00","slug":"regime-de-tributacao-na-previdencia","status":"publish","type":"post","link":"https:\/\/futurofunsejem.org.br\/online\/regime-de-tributacao-na-previdencia\/","title":{"rendered":"Regime de tributa\u00e7\u00e3o na previd\u00eancia"},"content":{"rendered":"

[vc_row][vc_column][vc_column_text]Regime tribut\u00e1rio na previd\u00eancia privada sempre gera muitas d\u00favidas. Se trata de uma decis\u00e3o muito importante, pois sua op\u00e7\u00e3o ser\u00e1 aplicada ao investimento no momento de receber a renda, seja em forma de aposentaria ou de resgate de contribui\u00e7\u00f5es. \u00a0A escolha precisa ser feita at\u00e9 o \u00faltimo dia \u00fatil do m\u00eas seguinte \u00e0 ades\u00e3o ao plano e, al\u00e9m disso, deve ser uma decis\u00e3o consciente, pois n\u00e3o d\u00e1 para voltar atr\u00e1s e solicitar mudan\u00e7a. Se a escolha n\u00e3o for realizada, automaticamente o participante \u00e9 alocado no regime progressivo. Veja a seguir como cada regime funciona.<\/p>\n

Regime progressivo<\/strong><\/h4>\n

Nesse regime, os valores recebidos pelo plano s\u00e3o tributados pela tabela normal de imposto de renda, a mesma que incide sobre os sal\u00e1rios. As al\u00edquotas variam de 0% a 27,5%, mas a tabela conta com parcelas redutoras, e ainda prev\u00ea dedu\u00e7\u00f5es por dependentes, ent\u00e3o a al\u00edquota de imposto paga efetivamente \u00e9 menor. Vide tabela abaixo.[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=”.vc_custom_1631126748265{margin-bottom: 0px !important;border-bottom-width: 0px !important;padding-top: 10px !important;padding-bottom: 15px !important;}”][vc_column css=”.vc_custom_1629398205907{padding-top: 20px !important;padding-bottom: 10px !important;}”][vc_single_image image=”3576″ img_size=”full”][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]Dedu\u00e7\u00e3o: R$ 189,59 por dependente; pens\u00e3o aliment\u00edcia integral; contribui\u00e7\u00e3o ao INSS.
\nIsen\u00e7\u00e3o: R$ 1.903,98 no benef\u00edcio de previd\u00eancia p\u00fablica ou privada do aposentado de idade
\nTabela vigente desde 2015.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n

Regime regressivo<\/strong><\/h4>\n

Aqui, os valores recebidos pelo plano s\u00e3o tributados conforme o tempo em que permaneceram acumulados, contado sobre cada contribui\u00e7\u00e3o ao plano. Mas a contagem n\u00e3o para na fase de recebimento dos recursos. Vale lembrar que em caso de resgate \u00fanico, o imposto ser\u00e1 uma m\u00e9dia de al\u00edquotas, de acordo com o prazo de acumula\u00e7\u00e3o de cada parcela do seu saldo. Nesse regime, a incid\u00eancia \u00e9 exclusiva na fonte, n\u00e3o prev\u00ea dedu\u00e7\u00f5es e ajuste na declara\u00e7\u00e3o anual de IR. Confira a tabela abaixo.[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=”.vc_custom_1631126939024{margin-bottom: 0px !important;border-bottom-width: 0px !important;padding-top: 10px !important;padding-bottom: 15px !important;}”][vc_column css=”.vc_custom_1629398205907{padding-top: 20px !important;padding-bottom: 10px !important;}”][vc_single_image image=”3582″ img_size=”full”][\/vc_column][\/vc_row][vc_row][vc_column][vc_cta h2=”Saiba mais ” h2_font_container=”font_size:18px|color:%23ffffff” h2_google_fonts=”font_family:Open%20Sans%3A300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C800%2C800italic|font_style:700%20bold%20regular%3A700%3Anormal” h4_font_container=”font_size:15px|color:%23ffffff|line_height:0px” h4_google_fonts=”font_family:Open%20Sans%3A300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C800%2C800italic|font_style:400%20regular%3A400%3Anormal” shape=”square” style=”custom” use_custom_fonts_h2=”true” use_custom_fonts_h4=”true” custom_background=”#4770b1″ custom_text=”#ffffff”]<\/p>\n

    \n
  1. No regime regressivo as al\u00edquotas s\u00e3o brutas. J\u00e1 a tabela progressiva tem parcelas redutoras. Depois que elas s\u00e3o aplicadas chegamos \u00e0 al\u00edquota efetiva, a que de fato voc\u00ea paga. Em muitos casos, mesmo a al\u00edquota de 27,5% do progressivo \u00e9 mais compensadora que a al\u00edquota de 10% do regressivo.<\/span><\/li>\n
  2. O regressivo n\u00e3o tem al\u00edquota 0%. Ent\u00e3o, por exemplo, um participante aposentado que recebe renda de R$ 1.500,00 pelo plano \u00e9 isento no progressivo, mas tributado em pelo menos R$ 150,00 no regressivo.<\/span><\/li>\n
  3. No futuro, sua aposentadoria pelo INSS e outras rendas, como alugu\u00e9is, ser\u00e3o tributadas no progressivo. Em alguns casos, deixar a previd\u00eancia no regressivo pode compensar.<\/span><\/li>\n<\/ol>\n

    [\/vc_cta][\/vc_column][\/vc_row]<\/p>\n<\/section>","protected":false},"excerpt":{"rendered":"

    Entenda como funciona e como planejar.<\/p>\n","protected":false},"author":7,"featured_media":3300,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[77,82,61,20,17],"tags":[54,74],"class_list":["post-3236","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-capa-home","category-edicao-120","category-post-grid","category-por-dentro-do-plano","category-voce-funsejem","tag-previdencia","tag-tributacao"],"acf":[],"yoast_head":"\nRegime de tributa\u00e7\u00e3o na previd\u00eancia privada | Futuro On-line<\/title>\n<meta name=\"description\" content=\"Entender a tributa\u00e7\u00e3o na previd\u00eancia privada \u00e9 muito importante, pois a op\u00e7\u00e3o ser\u00e1 aplicada ao investimento no momento de receber a renda.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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