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NEW YORK, UNITED STATES, AND SÃO PAULO, SP (FOLHAPRESS) – The debts accumulated in recent years do not seem to dissipate the sleep of Brazilians who have a dirty name on the square. instead of using the 13th salary to reduce the debt, the majority intends to take the money to save, invest or buy Christmas gifts.
The conclusion lies in the study of credit center SPC Brazil, which shows that 27% intend to use the additional resource to save or invest.Already 23% wish to shop for Christmas, while 17% want to repay their debts.
This is the opposite of what the corollary of personal finance predicts. It is always advisable to donate er priority to paying debts, balance the budget, start saving and, if there is something left to eat.
Data from the CNDL (National Confederation of Traders) and the SPC of Brazil indicate that in October, 62.9 million defaulters in the country. The average value of the sum of all outstanding issues amounts to R $ 2,615.98, but 14% do not know how much they owe.
For Flávio Borges, Superintendent of Finance at SPC Brazil, the poll result is disturbing. "We expected people to give priority to debt repayment, but they will buy it, regardless of the financial situation," he said.
He believes that some factors may explain the wrong decision. "There are a lot of people who have been here for a long time, and that is changing their perception of what it is to be in debt and what it is to be dirty. "
It is as if the consumer was accommodated in this bad situation, who does not have access to credit, which is dangerous.
Waiting for an improvement in the economy may have also contributed to the decision not to give priority to the payment of bills, explains Borges. "With the new government, the market is creating optimism, which is reflected in consumers' buying habits, and they tend to be more in debt because they have confidence in themselves." the future. "
In general, the recommendation for those who find themselves in the red is to use the 13th salary to pay the debts, giving priority to those who have the rates of interest. the highest interest and which may compromise performance.
Once the debts are paid and there is still money left, it is important to save money. The objective is to constitute an emergency reserve giving at least six months of the main accounts of the consumer.
In this way, in case of unemployment, he has the resources to guarantee his budget until he can reposition himself on the labor market.
Finally, the specialist can invest what remains to constitute a patrimony or allow the consumer to realize his dreams of consumption.
OTIMISTA
A study by Kantar TNS shows that 60% of the population is optimistic for the future, but also cautious.
The number of people eligible for funding increased from 26% to 43%.
For Valkiria Garré, president of Kantar TNS Brasil, this optimism will not have a direct effect on end-of-year purchases – at 42% the economy will not begin to break even. "Noticeably improve that from the second half of 2019.
" If nothing happened in November of next year, the honeymoon [com o novo governo] will be over. The government must show that the economic team is moving in the right direction. "
How and where to invest the 13th salary
1. You do not have a reserve for emergencies?
Use 13 to start; your goal is to save 6 to 12 months of the cost of living
. Apply in investments that can be withdrawn at any time.
Where to place money
in fixed income investments
Conservative funds (provided that the cost of administration is less than 1% per annum)
2.
Diversifying Investments
For medium- and long-term goals, such as retirement, invest in inflation-indexed securities
Example of IPCA + Cash, which offers inflation plus a rate interest or CBDs that
Multi-Market Fund
IPCA Treasure
Fixed Rate Investments whose Return Is Known at the Time of Application
For those wishing to take risks
3 It's a good idea if: Your plan is corporate and the company makes an equivalent contribution to your investment.
You want to increase the amount applied in a PGBL to reach the 12% discount ceiling of annual taxable income
The plan is shown for who makes the income tax return by the complete model
4. Think of other types of investments, such as courses and training, that can increase future earnings
Travel may also be included in the list, provided that financial planning is well planned [19659029]. Window.fbAsyncInit = function () {
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