https://repositorio.ifpe.edu.br/xmlui/handle/123456789/530 Wed, 15 Apr 2026 04:16:25 GMT 2026-04-15T04:16:25Z https://repositorio.ifpe.edu.br/xmlui/handle/123456789/1894 Revisão Bibliografia Acerca do Cálculo do Fator de Comercialização de Imóveis Atípicos The main objective of this work is to update the existing Brazilian literature in the area of real estate valuations, with special emphasis on Nelson Alonso's article in COBREAP (2017), which is still one of the most used as a reference for calculating the investment factor. marketing used in the evolutionary method in the evaluation of atypical properties. With this, it is also expected to contribute satisfactorily to the development of future work on the theme exposed here. Thu, 10 Jul 2025 00:00:00 GMT https://repositorio.ifpe.edu.br/xmlui/handle/123456789/1894 2025-07-10T00:00:00Z https://repositorio.ifpe.edu.br/xmlui/handle/123456789/1869 A necessidade da implantação da educação financeira no currículo obrigatório do ensino médio This study analyzes and justifies the importance of including financial education in the mandatory curriculum of high school, aiming to prepare students to deal consciously and responsibly with financial matters throughout their lives. The research discusses Brazil's relationship with the OECD, the inclusion of Financial Education in the National Common Curricular Base (BNCC), the impacts of its absence on young people's lives, the problem of gambling, and examples of public policies in other countries. The results indicate that, although initiatives such as the National Financial Education Strategy (ENEF) and the recognition of Financial Education as a state public policy represent significant progress, their implementation remains incipient, with limited outcomes in Brazilian schools. Based on theoretical analyses, the study suggests future research on the practical impacts of this discipline on young people's lives and its effects in different socioeconomic contexts. It concludes that including financial education in the school curriculum is essential to shape conscious citizens, contributing to a more balanced and financially sustainable society. Mon, 30 Jun 2025 00:00:00 GMT https://repositorio.ifpe.edu.br/xmlui/handle/123456789/1869 2025-06-30T00:00:00Z https://repositorio.ifpe.edu.br/xmlui/handle/123456789/1830 Fundos Imobiliários como alternativa para renda passiva para complementação de renda da aposentadoria ao invés do investimento tradicional de aquisição direta de imóveis The study assesses the viability of Real Estate Investment Funds (FIIs) as an alternative to directly purchasing real estate for generating passive income during retirement, highlighting the growing interest in this type of investment, especially after the COVID-19 pandemic, and its regulation by the Brazilian Securities and Exchange Commission (CVM), based on Law No. 8,668/93. Real Estate Investment Funds (FIIs) offer advantages such as greater liquidity, diversification, lower initial capital, and professional management, contrasting with the high costs and low liquidity of acquiring physical real estate, traditionally used as a retirement strategy. Classified by the Brazilian Association of Financial and Capital Market Entities (ANBIMA) into categories such as brick, paper, FoFs, and hybrids, FIIs demonstrated, in a comparison between the Real Estate Investment Funds Index (IFIX) and FIPEZAP indexes from 2023 to 2024, better performance in profitability and liquidity, despite presenting risks such as vacancy, equity fluctuation, and dividend fluctuations. Thus, it can be concluded that FIIs are a viable alternative to supplement retirement income, as long as the investor is aware of the risks, offering a more efficient and less bureaucratic option than directly purchasing real estate for those seeking long-term financial stability. Thu, 30 Jun 2005 00:00:00 GMT https://repositorio.ifpe.edu.br/xmlui/handle/123456789/1830 2005-06-30T00:00:00Z https://repositorio.ifpe.edu.br/xmlui/handle/123456789/1814 A importância dos fundos de pensão no sistema previdenciário brasileiro : um estudo sobre a necessidade de planejamento financeiro para a aposentadoria. The present study aims to analyze Closed Supplementary Pensions in Brazil as a financial planning instrument aimed at retirement, given the challenges of population aging and the limitations of the Regime Geral de Previdência Social (RGPS). Demographic, registration and financial data from Entidades Fechadas de Previdência Complementar (EFPCs) for the period 2015 to 2024 were used to support simulations in three profitability scenarios: pessimistic, neutral and optimistic. The results indicated a 28.15% increase in the number of participants, 80.62% growth in accumulated assets and expansion of Contribuição Definida (CD) plans, driven by regulatory changes. The accumulated nominal profitability of the segment was 169.5%, with an average real profitability of 4.53%. The simulations indicated pension funds as an effective alternative for supplementing retirement income, especially due to the contribution of the sponsor and when there are consistent profitability. It is concluded that joining supplementary pension plans can represent an efficient strategy to guarantee a safer and more dignified retirement. Fri, 11 Jul 2025 00:00:00 GMT https://repositorio.ifpe.edu.br/xmlui/handle/123456789/1814 2025-07-11T00:00:00Z