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[{"$f":"TODAY()","v":"2015-09-11"}]

{"sheet":"Simulador","index":1,"n_rows":92,"n_cols":17,"rows_kept":92,"cut":false,"hidden":false,"merged":[[15,14,15,15],[33,1,33,9],[51,1,51,9],[52,1,61,1],[62,1,63,9],[58,7,59,8],[60,9,61,9],[45,1,46,7],[56,7,57,8],[36,1,37,9],[39,8,40,9],[41,8,42,9],[43,8,44,9],[39,1,40,7],[49,1,49,9],[32,8,32,9],[73,1,73,9],[79,1,79,9],[80,1,80,9],[75,9,76,9],[66,9,67,9],[60,7,61,8],[74,1,74,9],[38,1,38,9],[47,8,48,9],[47,1,48,7],[72,4,72,6],[52,2,53,6],[75,1,76,8],[81,1,82,8],[54,2,55,6],[56,2,57,6],[58,2,59,6],[60,2,61,6],[66,1,67,8],[68,1,69,8],[65,1,65,9],[77,9,78,9],[64,1,64,9],[56,9,59,9],[52,7,53,8],[6,1,7,6],[29,1,30,9],[10,9,11,9],[8,1,9,8],[10,1,11,8],[27,1,27,9],[0,0,0,10],[28,1,28,9],[43,1,44,7],[35,1,35,2],[54,7,55,8],[32,1,32,7],[34,1,34,9],[50,1,50,9],[45,8,46,9],[1,9,2,9],[1,1,2,8],[6,7,7,8],[13,1,13,9],[1,0,92,0],[4,9,5,9],[4,1,5,8],[92,1,92,9],[89,1,89,9],[88,1,88,9],[87,1,87,9],[77,1,78,8],[91,1,91,9],[90,1,90,9],[85,1,85,9],[83,9,84,9],[83,1,84,8],[3,1,3,9],[68,9,69,9],[81,9,82,9],[70,9,71,9],[12,1,12,9],[41,1,42,7],[70,1,71,8],[52,9,55,9],[6,9,7,9],[31,1,31,7],[17,7,25,9],[26,1,26,9],[8,9,9,9],[31,8,31,9],[14,1,15,9],[16,7,16,9]]}
["SIMULADOR DE BENEFÍCIO PLANO CD",null,null,null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":"2015-09-11"}]
[null,"Unidade Previdenciária ECOS (UPE) =",null,null,null,null,null,null,null,157.66,null,null,null,null,false,1,"F"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,true,2,"M"]
[null,"Dados de Entrada:",null,null,null,null,null,null,null,null,null,null,null,null,"CONSERVADOR - alocação de 100% da Conta de Participante na carteira Conservadora, composta por ativos enquadrados nos segmentos de Renda Fixa e Investimentos Estruturados, considerados de baixo risco e com baixa volatilidade de preço"]
[null,"Qual sua data de nascimento ? ",null,null,null,null,null,null,null,null,null,{"$f":"RIGHT(J5,4)","v":""},null,null,"ARROJADO 30 -  alocação de 30% da Conta de Participante na carteira Arrojada, composta por ativos enquadrados nos segmentos de Renda Variável, Investimentos Estruturados e Investimentos no Exterior - sujeitos à alta volatilidade de preço. O saldo remanescente é alocado no perfil conservador."]
[null,null,null,null,null,null,null,null,null,null,null,"IDADE ATUAL",null,null,"ARROJADO 40 - alocação de 40% da Conta de Participante na carteira Arrojada, composta por ativos enquadrados nos segmentos de Renda Variável, Investimentos Estruturados e Investimentos no Exterior - sujeitos à alta volatilidade de preço. O saldo remanescente é alocado no perfil conservador."]
[null,"Com qual idade deseja receber o benefício? (a partir de 60 anos)",null,null,null,null,null,{"$f":"IFERROR(IF(L7<=J7,\"\",\"IDADE Ñ PERMITIDA\"),\"\")","v":""},null,null,null,{"$f":"YEAR(L1)-L5","v":{"$error":"#VALUE!"}},null,null,"ARROJADO 50 - alocação de 50% da Conta de Participante na carteira Arrojada, composta por ativos enquadrados nos segmentos de Renda Variável, Investimentos Estruturados e Investimentos no Exterior - sujeitos à alta volatilidade de preço. O saldo remanescente é alocado no perfil conservador."]
[]
[null,"Qual o seu Salário Atual?",null,null,null,null,null,null,null,null,null,null,null,null,"Taxa Adm RF","Taxa Adm RV"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,7.4999999999999997E-3,1.4999999999999999E-2]
[null,"Sexo (F/M) ="]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Saldo projetado =",{"$f":"IF(J7>=65,0,(65-'Cálculo Participante'!B10)*12*2*H53)","v":{"$error":"#VALUE!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Salário Mínimo = ",724]
[null,"Indique abaixo qual o seu Perfil de Investimento ",null,null,null,null,null,null,null,null,null,{"$f":"IF('Cálculo Participante'!B10>=60,G17=1,\"\")","v":""}]
[null,{"$f":"IFERROR(IF(L7=60,\"Sua idade é igual ou maior a 60 anos, escolha o Perfil CONSERVADOR - o regulamento do plano não permite que você tenha rentabilidade baseado em investimentos de renda variável \",\"\"),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,"PERFIL",null,null,"Percentuais alocação perfis"]
[null,null,null,null,null,null,1,"Seu Perfil é:",null,null,null,{"$f":"IF(L7>=60,1,G17)","v":{"$error":"#VALUE!"}},null,null,{"$f":"IF(G17=1,100%,IF(G17=2,70%,IF(G17=3,60%,50%)))","v":1},{"$f":"IF(G17=1,0%,IF(G17=2,30%,IF(G17=3,40%,50%)))","v":0}]
[null,null,null,null,null,null,null,{"$f":"IFERROR(IF(L17=1,O4,IF(G17=2,O5,IF(G17=3,O6,O7))),\"\")","v":""}]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Obs: O Perfil de Investimento pode ser alterado nos meses de junho e dezembro. Caso o participante não altere, fica mantida a última opção."]
[null,"Histórico de Rentabilidades"]
[null,"A título de informação complementar, elaboramos uma tabela com a rentabilidade real (o que exclui efeito da inflação) histórica de cada carteira. "]
[]
[]
[null,"Indique a Rentabilidade CARTEIRA CONSERVADORA  (% a.a.) ="]
[null,"Indique a Rentabilidade CARTEIRA ARROJADA  (% a.a.) ="]
[null,"A contribuição efetuada pela Patrcinadora é direcionada para o Perfil Conservador. "]
[null," Apenas está sujeito a opção de perfil o recurso aportado pelo Participante."]
[null,{"$f":"1+(I32/100)","v":1},null,{"$f":"IF(B37=\"\",(I33/100)+1,1)","v":1}]
[null,{"$f":"IFERROR(IF(L17=1,\"Seu perfil é CONSERVADOR - não rentabiliza o patrimônio por Renda Variável - Deixar célula em branco para rentabilidade do PERFIL ARROJADO\",\"\"),\"\")","v":""}]
[]
[null,"Aportes (contribuições) extras"]
[null,"Indique o Saldo Atual que você tem acumulado no Plano:"]
[]
[null,"Se deseja fazer aportes MENSAIS, indique o valor:"]
[]
[null,"Se deseja fazer aportes TRIMESTRAIS, indique o valor:"]
[]
[null,"Se deseja fazer aportes SEMESTRAIS, indique o valor:"]
[]
[null,"Se deseja fazer aportes ANUAIS, indique o valor:"]
[]
[]
[null,"Contribuições e Saldo de Conta Total "]
[]
[null,null," CONTRIBUIÇÃO DO PARTICIPANTE=",null,null,null,null,{"$f":"IFERROR('Tab Contr'!C12/2,\"\")","v":""}]
[]
[null,null," CONTRIBUIÇÃO DA PATROCINADORA=",null,null,null,null,{"$f":"H53","v":""}]
[]
[null,null," CONTRIBUIÇÃO RISCO  (exclusiva p/ PATROCINADORA E AUTOPATROCINADO) =",null,null,null,null,{"$f":"IFERROR(IF(L7>=65,0,0.0191%*P12),\"\")","v":""},null,{"$f":"SUM(H57:H60)","v":0}]
[]
[null,null," CONTRIBUIÇÃO ADMINISTRATIVA  (exclusiva p/ PATROCINADORA e AUTOPATROCINADO) =",null,null,null,null,{"$f":"0.05%*J9","v":0}]
[]
[null,null,"SALDO DE CONTA TOTAL =",null,null,null,null,{"$f":"IFERROR('Tab Contr'!O57,\"\")","v":""}]
[]
[]
[]
[null,"Formas de Benefício"]
[null,"OPÇÃO 01 - Nº DE PARCELAS: "]
[null,"Indique o Nº parcelas (60 a 240) que deseja receber o benefício =",null,null,null,null,null,null,null,240]
[]
[null," BENEFÍCIO MENSAL =",null,null,null,null,null,null,null,{"$f":"IFERROR(IF((H61/J67)<=D73,IF(J67=60,\"ESCOLHER OUTRA FORMA DE RECEBIMENTO\",\"DIMINUIR Nº PARCELAS\"),H61/J67),\"\")","v":""}]
[]
[null,{"$f":"IFERROR(IF(H61/J67<D73,\"O valor da parcela é < 1 UPE, então seu o benefício deverá ser pago em parcela única de:\",\"\"),\"\")","v":""},null,null,null,null,null,null,null,{"$f":"IFERROR(IF(H61/J67<=J2,H61,\"\"),\"\")","v":""}]
[]
[null,null,"UPE atual =",{"$f":"J2","v":157.66},"UPE projetada = ",null,null,{"$f":"IFERROR(J2*(1.02)^'Tab Contr'!A10,\"\")","v":""}]
[]
[null,"OPÇÃO 02 - % DO SALDO DE CONTA: "]
[null,"Indique o % do Saldo de Conta Total (0,1 até 1,5%) =",null,null,null,null,null,null,null,0.7]
[]
[null," BENEFÍCIO MENSAL =",null,null,null,null,null,null,null,{"$f":"IFERROR(IF((($H$61*$J$76%)<'Tab Contr'!C1),IF($J$76%=1.5%,\"ESCOLHER OUTRA FORMA DE RECEBIMENTO\",\"AUMENTAR PERCENTUAL\"),$H$61*$J$76%),\"\")","v":""}]
[]
[]
[null,"OPÇÃO 03 - FATOR ATUARIAL: "]
[null,"Fator atuarial =",null,null,null,null,null,null,null,{"$f":"IFERROR(IF(J11=\"F\",'Cálculo Participante'!E25,'Cálculo Participante'!E10),\"\")","v":3.7083559231378144E-3}]
[]
[null," BENEFÍCIO MENSAL =",null,null,null,null,null,null,null,{"$f":"IFERROR(H61*J82,\"\")","v":""}]
[]
[null," Este benefício será recalculado anualmente de acordo com o saldo remanescente e a idade do participante. Ou seja, NÃO SE TRATA DE BENEFÍCIO VITALÍCIO, pois uma vez zerado o saldo, o benefício será encerrado."]
[]
[null,"Observações: "]
[null,"1.  A Renda apresentada no Simulador é uma estimativa. "]
[null,"2.  O valor efetivo somente será calculado no momento do requerimento do benefício, com base no valor acumulado no período. "]
[null,"3. Os valores informados são meramente exemplificativos, não constituindo obrigação regulamentar da Fundação ECOS."]
[null,"4. É indicado que periodicamente os participantes refaçam sua simulação atualizando os valores e  premissas."]

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[null,"UPE =",{"$f":"Simulador!J2","v":157.66}]
[null,"Tabela de Contribuição",null,null,null,"RF","RV"]
[null,"SAL","SAL EM UPE","PERC",null,{"$f":"1-Simulador!O10","v":0.99250000000000005},{"$f":"1-Simulador!P10","v":0.98499999999999999}]
[null,null,{"$f":"C1*5-0.01","v":788.29},0.02]
[null,null,{"$f":"C1*15-0.01","v":2364.89},0.03]
[null,null,{"$f":"C1*25-0.01","v":3941.49},0.04]
[null,null,{"$f":"C1*50-0.01","v":7882.99},0.05]
[null,null,{"$f":"C1*50","v":7883},0.06]
[]
[{"$f":"IF(Simulador!J7-Simulador!L7<0,3,Simulador!J7-Simulador!L7)","v":{"$error":"#VALUE!"}},null,null,null,"Carteiras",null,null,"Adicional mensal",null,"Adicional trimestral",null,"Adicional semestral",null,"Adicional anual","Saldo Total"]
[null,null,"Contr mensal","Contr anual","RF","RV","Total","Contr adicional","No ano","Contr adicional","No ano","Contr adicional","No ano","Contr adicional","RF + RV"]
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[7,0,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"(E17*Simulador!$B$36*$F$3+Simulador!$O$17*(D18+I18+K18+M18+N18))","v":{"$error":"#VALUE!"}},{"$f":"(F17*Simulador!$D$36*$G$3+Simulador!$P$17*(D18+I18+K18+M18+N18))","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},0,0,0,0,0,0,0,{"$error":"#VALUE!"}]
[8,0,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"(E18*Simulador!$B$36*$F$3+Simulador!$O$17*(D19+I19+K19+M19+N19))","v":{"$error":"#VALUE!"}},{"$f":"(F18*Simulador!$D$36*$G$3+Simulador!$P$17*(D19+I19+K19+M19+N19))","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},0,0,0,0,0,0,0,{"$error":"#VALUE!"}]
[9,0,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"(E19*Simulador!$B$36*$F$3+Simulador!$O$17*(D20+I20+K20+M20+N20))","v":{"$error":"#VALUE!"}},{"$f":"(F19*Simulador!$D$36*$G$3+Simulador!$P$17*(D20+I20+K20+M20+N20))","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},0,0,0,0,0,0,0,{"$error":"#VALUE!"}]
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[11,0,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"(E21*Simulador!$B$36*$F$3+Simulador!$O$17*(D22+I22+K22+M22+N22))","v":{"$error":"#VALUE!"}},{"$f":"(F21*Simulador!$D$36*$G$3+Simulador!$P$17*(D22+I22+K22+M22+N22))","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},0,0,0,0,0,0,0,{"$error":"#VALUE!"}]
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[]
[]
[]
[]
[]
["Data cálculo benefício:",{"$f":"TODAY()","v":"2015-09-11"}]
[]
["Dados do Participante",null,null,{"$f":"+C9-INT(C9)","v":0.69609856262833603}]
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["Saldo Total",{"$f":"Simulador!H61","v":""}]
["Saldo da Conta Total",{"$f":"Simulador!H61","v":""}]
[]
[" Este benefício será recalculado anualmente de acordo com o saldo remanescente e a idade do participante."]
[]
["Dados do Participante",null,null,{"$f":"+C24-INT(C24)","v":0.74948665297741002}]
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["Saldo Total",{"$f":"Simulador!H61","v":""}]
["Saldo da Conta Total",{"$f":"Simulador!H61","v":""}]
[]
[" Este benefício será recalculado anualmente de acordo com o saldo remanescente e a idade do participante."]

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["BASES TÉCNICAS"]
["Mortalidade de Válidos:AT-2000 - Masculina"]
["Taxa de Juros - 4,75% aa"]
["Taxa de Morbidez:- Experiência de STEA"]
[]
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[]
[]
[null,"(*) 1996 US Annuity 2000 Basic Table,  Male and Female - Fonte: site do Society of Actuaries SOA (17/06/2002)"]

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[90,3771412.5563220563,0.88724099999999995,0.11275900155305862,57894.947096905213,298224.86984732893,4.6511381355640031,1,6.1152664237140613]
[91,3346151.8478837372,0.87526700000000002,0.12473300099372864,49037.489313334954,240329.92275042369,4.4009426484864882,1,5.7653629889895326]
[92,2928776.2894416549,0.86294599999999999,0.13705399632453918,40974.601978681014,191292.43343708874,4.1685611134579839,1,5.4444677898167448]
[93,2527375.7838685182,0.85044799999999998,0.14955200254917145,33755.482955817475,150317.83145840772,3.953138225133932,1,5.1503428833516178]
[94,2149401.6806394137,0.83792100000000003,0.16207900643348694,27405.520359684917,116562.34850259023,3.753243396686607,1,4.8801841892174691]
[95,1801028.8056430581,0.82550800000000002,0.1744920015335083,21922.34912812012,89156.828142905317,3.5669377000543494,1,4.6307279435859332]
[96,1486763.6872887898,0.81335299999999999,0.18664699792861938,17276.443281064137,67234.479014785204,3.3916852225294325,1,4.3981741468113364]
[97,1209263.705347399,0.801597,0.198403000831604,13414.650864043188,49958.035733721073,3.2241398408384425,1,4.1779819424177891]
[98,969342.15841535898,0.789663,0.21033699810504913,10265.531018438976,36543.384869677888,3.0598143733664194,1,3.9645631687965266]
[99,765453.63684074767,0.77697300000000002,0.22302700579166412,7738.7206777186548,26277.85385123891,2.8956328113635341,1,3.7542130868440418]
[100,594736.80857706629,0.76294899999999999,0.23705099523067474,5740.1211828315081,18539.133173520255,2.7297459553589429,1,3.5447989657865091]
[101,453753.85336706415,0.74701499999999998,0.25298500061035156,4180.8302210146649,12799.011990688748,2.5613565521879762,1,3.3354771626760233]
[102,338960.9347729974,0.72859399999999996,0.27140599489212036,2981.5206156565869,8618.1817696740836,2.3905323425966647,1,3.1264126726719321]
[103,246964.90330999726,0.70710699999999993,0.29289299249649048,2073.8119348711957,5636.6611540174963,2.2180194400644093,1,2.9185152124117577]
[104,174630.61188482222,0.68197700000000006,0.31802299618721008,1399.9111368067563,3562.849219146301,2.0450538433984304,1,2.7131893934181925]
[105,119094.06080137541,0.65262700000000007,0.34737300872802734,911.41497308655426,2162.938082339545,1.8731649645985544,1,2.5120926269041219]
[106,77723.999618619244,0.61847999999999992,0.38152000308036804,567.84153844154696,1251.5231092529907,1.7040006313870981,1,2.3169323777657405]
[107,48070.739284123621,0.57895799999999997,0.42104199528694153,335.27315503504241,683.68157081144363,1.5391777884512881,1,2.129304711172133]
[108,27830.939074457641,0.53348400000000007,0.46651598811149597,185.30699058896451,348.40841577640117,1.3801687657278794,1,1.9505814086205444]
[109,14847.360701197962,0.48148000000000002,0.51851999759674072,94.375478011752847,163.10142518743663,1.2282182683845602,1,1.7818367722753528]
[110,7148.7072304127951,0.42236899999999999,0.57763099670410156,43.379383801958667,68.725947175683785,1.0842997560647847,1,1.6238198310944436]
[111,3019.392324202222,0.35557300000000003,0.64442700147628784,17.491271319174071,25.346563373725122,0.94909783349710075,1,1.4769545849587526]
[112,1073.6143868935567,0.28051599999999999,0.71948397159576416,5.9373973573627987,7.8552920545510503,0.82301942783228488,1,1.3413689592819273]
[113,301.16601335383291,0.19662000000000002,0.80338001251220703,1.59000948386894,1.9178946971882511,0.70621588527979984,1,1.2169322223400001]
[114,59.215261545630632,0.10330700000000004,0.89669299125671387,0.29845122715888495,0.32788521331931109,0.59862243302071105,1,1.103307]
[115,6.1173510244944662,0,1,2.9433986160426147E-2,2.9433986160426147E-2,0.5,1,1]
[]
[]
[null,"(*) 1996 US Annuity 2000 Basic Table,  Male and Female - Fonte: site do Society of Actuaries SOA (17/06/2002)"]

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