Apply in a private board up to 31 days benefit guarantee in IR

Under the watchful eye of the Lion, many investors are taking advantage of the end of the year to invest in private pensions and guarantee tax benefits. The strategy is to pay contributions into a PGBL (Free Benefits Plan) to get a deduction in the income tax (IR) the following year – in this case, in 2019 Experts warn, however, that this decision will not compensate in all cases. . It is necessary to take into account the income of the investor, its objectives and the type of IR statement to be made.

The application in a PGBL plan can reduce up to 12% of taxable income, thus reducing the value of the tax. "It's a tax planning tool because it delays the payment of tax," says financial planner Annalisa Blando Dal Zotto, a certified financial planner by Planejar. However, the bill goes further: in repaying the funds in the future, the IR will focus on the total amount bought back. In the Free Benefit Guarantor Life (VGBL) plan, the tax only affects the income of the period.

Therefore, the PGBL is better suited for those reporting the incidence statement in the full template. "It's a great option for those who have a higher income – starting at $ 100,000 a year for example – or many deduction fees, such as medical expenses," Annalisa said.

For the planner, investors with lower incomes who do not have deductible expenses should opt for the simplified reporting model – therefore, VGBL would be more appropriate. "In simplified terms, Revenue already considers a deduction of 20%.

Another council, she says, does not apply in the PGBL

To help investors make the best decision, BTG Pactual has developed a retirement simulator with a questionnaire on objectives, income, health and education expenses and the desired term, the platform not only indicates whether the user should choose the PGBL or the VGBL , but even if it should not consider another type of application.

"There is no point in investing in" said the bank partner responsible for BTG Pactual Digital and BTG Pactual Vida e Previdência, Marcelo Flora

By the regressive table, in a case of repayment within a maximum period of two years, 35% of the tax is paid, ie the minimum rate of 10% over ten years. investor must first dispose of his reserve of urgency, then between 5% and 20% of pension income, "he said. A month ago, the institution lowered the minimum application of the segment from R $ 10,000 to R $ 1,000.

Portability

In addition to choosing the type of plan, fund management. For experts, rates of up to 1% per year are considered acceptable.

The search for better yields and lower rates outside the big banks and insurance companies has generated a great movement of portability this year, especially for independent homes. This is the case of the new Vitreo, a digital manager launched at the end of October by Vectis Partners. The fund has quotas of ten segment funds with caliber managers like Green, Adam and Ibiuna. "Of the $ 280 million under management up to now, portability is an important flow because it's a sector in flux," said Patrick O. Grady. , president of Vitreo. "

Faced with heightened competition, Itaú, Santander, Bradesco and BB have stabilized over the last few months, imposing rates – a right that the investor pays every time – who brings the fund or makes a difference. withdrawal.

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