Serasa’s national survey shows that most Brazilians (60%) begin financial planning for retirement just five years in advance. The survey, released on Friday (24), was produced by the Opinion Box Institute and listened to 1,052 retired people or about to retire in January 2025.
The survey also revealed that 37% of retirees admit that they did not plan financially to stop working and 53% had to continue working to complement their income. Among those who planned, 70% began to complement their salary with another income five years before retiring.
According to the survey, among retirees, 48% say they feel financial instability; 45%, have great fear of indebtedness; and 64%, do not consider the amount of retirement sufficient to maintain the standard of living.
Serasa’s research also shows that food is the biggest expense of those who have ever retired, and health costs are second: 60% of retirees have already needed to seek credit or loan to assist in these expenses considered essential.
“It is essential that the worker about to retire if planned financially, predicting the possible gains and expenses that should occur over the years, especially for those who want to stop working right after they start receiving the benefit,” says the expert of Serasa in Financial Education, Thiago Ramos.
“For those who have already retired, but still have difficulties, the ideal is to create financial control and establish a flow according to their reality,” he said.
