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Blog do Coach - Milionários de verdade.
Brasília,
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19 d maio d 2019

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18

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fev

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Milionários de verdade.


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18 de fevereiro, 2013 | Autor: Gustavo Cerbasi | Tópicos: Comportamento
Tags: , ,


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As chances de um executivo de classe média conquistar ainda em vida um patrimônio equivalente a um milhão de reais atuais são bastante elevadas, se medirmos seu patrimônio pela declaração anual de imposto de renda. Quem receber um salário médio de cinco mil reais durante trinta anos, terá acumulado 1,8 milhões de reais de renda de seu trabalho durante este tempo. Se metade dos ganhos for revertida em bens como automóveis, moradia e investimentos, os juros do período sobre os investimentos irão se encarregar de formar o número mágico.

Porém, se a maior parte deste patrimônio não constituir-se de investimentos, este pseudo-milionário estará longe de sentir-se abastado, pois bens em uso não devem ser utilizados como medida da riqueza de uma pessoa. Por mais que um imóvel próprio valorize-se ao longo do tempo, sua valorização participará da troca por imóveis de valor similar ou um pouco mais elevado, fazendo com que os únicos reais beneficiados do investimento sejam os herdeiros do “investidor”. Quando levamos em conta os gastos gerados pelos bens, percebemos que seu papel nas finanças pessoais é de devorar o patrimônio.

No conceito econômico, um milionário possui ao menos um milhão de dólares aplicados em ativos de liquidez – ativos financeiros ou algo de fácil comercialização. Uma versão tupiniquim de milionário possuiria investimentos iguais ou maiores do que um milhão de reais. Um patrimônio como este gera renda real de seus investimentos (juros após impostos e inflação) de pelo menos 0,8% ao mês, permitindo resgates perpétuos de oito mil reais e sua correção pela inflação. Suficiente para se viver bem e com tranqüilidade no Brasil.

Eu diria, então, que para obter uma situação financeira tranqüila, basta tornar-se um milionário ou traçar um plano para aposentar-se com renda perpétua de oito mil reais. Tal sugestão parece absurda para quem encara com descrença as reais possibilidades de cada um de nós realmente poder se tornar milionário num futuro não muito distante. Muitos se espantam ao saber que o grande sonho da classe média norte-americana é conquistar, o quanto antes, o primeiro milhão de dólares. Parece irreal para a maioria de nós, pobres brasileiros, que ainda temos como sonho a compra da casa própria. Essa discrepância entre sonhos, porém, não se relaciona exatamente às diferenças de renda de cada povo, pois um milhão de dólares não garantem ao americano status muito maior do que um milhão de reais garantiria ao brasileiro.

Nem todos os norte-americanos conquistam o grande sonho da classe média, mas aqueles que conseguem geralmente o fazem seguindo uma receita simples: poupam intensamente durante cinco a dez anos (tempo durante o qual a maioria dos brasileiros está pagando sua casa própria e seus elevados juros), vivendo um padrão de vida bem abaixo do de seus pais, para então, após formar sua meta de poupança, entrar em longos financiamentos para pagar sua casa e seu carro. Detalhe: seus bens são pagos apenas com os juros de suas aplicações, ou algo muito próximo disso. É uma espécie de semi-independência financeira, em que o pagamento de suas propriedades não depende de seu salário.

Se lá, com juros reais de menos da metade dos nossos, esta receita é possível, aqui não poderia deixar de funcionar, pois nosso dinheiro aplicado cresce mais rapidamente. O problema está na nossa falta de foco ao traçar objetivos e no mau uso da renda de nosso trabalho. Vivemos hoje uma economia estável, superavitária, organizada, razoavelmente protegida contra a incompetência típica de nossos governos e com instituições nitidamente mais sólidas do que há poucos anos.

O desinteresse ou a descrença em relação a um plano pessoal de formação de riqueza reside, em boa parte, em nossa falta de educação financeira – tema surpreendentemente ignorado por nossos programas educacionais. Muitos dos que começam a poupar não chegam a notar o poder multiplicador dos juros, pois não resistem à tentação de dar uso ao dinheiro antes de atingir uma massa de recursos que gere juros interessantes. Poupar não é, realmente, nada motivador no início. A sensação é de perdermos oportunidades de desfrutar o presente para ganhar alguns trocados em juros. Porém, aqueles que atentam à evolução mensal dos rendimentos – sim, apenas dos rendimentos – de suas aplicações desfrutam da prazerosa sensação de, a cada dia, estar mais perto de “chegar lá”.

Felizmente, estatísticas mostram que cresce o número de jovens bem-sucedidos que optaram por poupar a maior parte de sua renda antes de assumir compromissos financeiros vultosos como um imóvel ou um automóvel de luxo. Seus planos? Forte limitação de gastos durante poucos anos, até formar uma massa de investimentos cujos juros mensais representem uma boa proporção dos ganhos mensais decorrentes de seu trabalho. Não estão esperando a aposentadoria para viver, mas sim adiando em alguns meses alguns luxos. Se você ainda não pode se dar ao luxo de fazer pausas sabáticas na carreira, que tal acelerar seu plano?


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