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Last active September 17, 2023 21:56
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finance.md

patrimômio mínimo de sobrevivência (PMS)

PMS = 6 x [gastos mensais]

patrimônio mínimo recomendado para sua segurança (PMR)

PMR = 12 x [gastos mensais] caso sua empregabilidade seja alta 20 x [gastos mensais] caso sua empregabilidade seja baixa

patrimônio ideal para sua idade e situação de consumo (PI)

PI = 10% * [gastos anuais] * [idade] ou 10% * [12x gastos mensais] * [idade]

  • sugestão: caso tenha dificuldades para alcançar o valor contrate um seguro de vida

patrimônio necessário para a independência financeira (PNIF)

PNIF = [gasto médio anual da família] / [rentabilidade líquida anual de investimentos]

  • rentabilidade líquida = rentabilidade - tributação - inflação
@Archi12351
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Good afternoon, can you tell me if there are any online finance courses you know of?

@jvrmaia
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jvrmaia commented Sep 17, 2023

I don't know, this notes are from Gustavo Cerbasi books

@Mikle512
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Good afternoon, can you tell me if there are any online finance courses you know of?

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