Increase in FGTS profitability
The Board of Trustees of the Service Time Guarantee Fund (FGTS) approved at a meeting this Tuesday (25/7) the distribution of R$12.7 billion among workers who have linked accounts. This measure aims to benefit those who had a balance in their FGTS accounts on December 31, 2022. As this amount will be distributed proportionally to the balance of each account, the operation will be carried out by Caixa until August 31 of this year.
Those benefiting from the distribution
Workers who had a balance in their FGTS linked accounts at the end of 2022 are the main beneficiaries of this measure. The distribution of R$12.7 billion will be proportional to the balance of each account, thus reflecting part of the positive net result obtained by the FGTS in the previous year.
Source of resources and objective of distribution
The amount distributed corresponds to 99% of the R$12.8 billion referring to the positive net result achieved by the FGTS in 2022. This net result is calculated based on the difference between the Fund's revenues and expenses. Last year, FGTS revenues totaled around R$49.7 billion, while expenses were just over R$36.9 billion.
The main objective of this distribution is to increase the profitability of FGTS linked accounts, directly benefiting workers. This amount added to the account balance allows workers to obtain an additional return on the resources deposited.
Use of distributed resources
It is important to highlight that the distributed resources can only be withdrawn in situations provided for by law, such as termination without just cause, birthday withdrawal, retirement, acquisition of your own home, among others. Therefore, these values represent an additional financial reserve for workers, contributing to their financial security and well-being.
The distribution of FGTS resources can be beneficial to workers in several ways. Firstly, by increasing the profitability of linked accounts, workers have the opportunity to obtain an additional return on deposited resources, which can contribute to the growth of their financial assets in the long term.
Furthermore, these additional resources represent a financial reserve that can be used in specific situations provided for by law, such as in cases of termination without just cause, retirement, acquisition of your own home, among others. This offers more financial security to workers, allowing them to face unforeseen events or make important investments in their lives.
See the pros and cons:
Pros:
- Increased profitability: The distribution of FGTS resources increases the profitability of linked accounts, providing workers with an additional return on their investments.
- Financial reserve: The amounts distributed represent an additional financial reserve that can be used in specific situations, such as in cases of unfair dismissal, retirement or home ownership, offering more financial security to workers.
- Benefit for assets: By making up the balance of the linked account, the additional resources contribute to the growth of workers' financial assets, helping to strengthen their financial situation in the long term.
Cons:
- Withdrawal limitations: The amounts distributed can only be withdrawn in situations provided for by law, which may limit the immediate availability of these resources to workers in certain financial circumstances.
- Impact on FGTS finances: The distribution of FGTS resources may impact the fund's finances, potentially generating adjustments to investment policies or other measures to ensure its long-term sustainability.
- Possible impact on the economy: Depending on the amount of resources distributed and the behavior of workers in relation to their use, there may be an impact on the economy, either positive, by stimulating consumption and investments, or negative, by reducing the availability of resources for other purposes.
Therefore, the distribution of FGTS resources is a measure that can benefit workers, providing them with an additional source of financial resources and contributing to their stability and economic well-being.
Concluding the News
The distribution of R$12.7 billion from FGTS among workers represents a measure that aims to increase the profitability of linked accounts, providing additional financial benefits for beneficiaries. Now, it is up to workers to take advantage of these resources in a conscious way, aligned with their needs and financial objectives.
And you, what do you think of this distribution of FGTS resources? Share your opinion in the comments below!
