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On June 13, the government released the withdrawal of PIS / Pasep for all those who worked between 1971 and 1988. Before, one of the conditions had to be met to withdraw money. such as being retired or having a serious illness, for example. While he could not withdraw the money, the worker was receiving an income, paid once a year (this is not related to the wage premium PIS / Pasep, also paid annually).
In 2017, this correction was 8.87%. In other words, if you had $ 1,000 in the fund, the worker earned $ 88.70 in income. The question that remains is: Is it worthwhile to leave the money in the quota and continue to receive such income?
It depends on the profile of each
Pedro Raffy Vartanian, economics professor and researcher at the Mackenzie Center for Economic Freedom, said it's better to take and apply elsewhere or pay debts . the worker must avail himself of the extraordinary release to withdraw the money. "It is always best to remove it when there is such a possibility and use it as you prefer: the worker may not need the money at that time but in a year it may be necessary. "
is lower than the Selic (basic interest rate), which serves as a reference for remunerating certain investments.
"The profitability of PIS / Pasep has been higher in recent years, but in general it is lower than other applications, and the profitability of other investments should be higher than that of PIS / Pasep income. at a longer period, it is best to take advantage of the window that the government has given to draw the resource and apply according to the profile.For the more conservative profile, which seeks a constant profitability and no risk of loss, the professor said that treasury bonds and bank CBDs may have higher profitability than savings. "According to Joelson Sampaio, a professor at the Getulio Vargas Foundation School of Economics in São Paulo, there are better opportunities for investors to invest in the economy. investing in the stock and currency markets, noting that there is a risk of loss in this case.
that income PIS / Pasep, but the worker will have to do some research. "If you do not have the time to look at another investment, it is best to leave it there, if you have the opportunity to look, this could be a good opportunity for further investment," he said. said the expert.
Sampaio said that if the person has debts, it must be the destination of the quota money. "It is better to take the money to pay or pay a portion of the debts than to leave the quota."
Understanding Pis / Pasep Quota Income
From 1971 to 1988, businesses and public bodies deposit money into the PIS / Pasep fund on behalf of each of its employees and contracted servers. Each worker then had a portion (quota) of the fund. Starting in October 1988, workers stopped having individual accounts in the fund and were able to withdraw money only in specific cases.
The withdrawal of this quota takes place only once, but the correction of the fund's values may be withdrawn annually.
To perform the calculation, the indicators are considered as a monetary reprocessing and interest. The percentages of these indicators are published annually by resolution in the Official Gazette of the Union, the update being based on the balance the worker has in the quota on June 30th.
According to the resolution of the PIS / Pasep Fund, the correction paid in 2017 was 8.87%. For this year, the government says that the income will be between 8% and 10% .
Check what quota income has been in recent years, according to management reports PIS / Pasep Fund:
- July 1, 2016 to June 30, 2017: 8.87%
- July 1, 2015 to June 30 2016: 8.62%
- July 1, 2014 to June 30, 2015: 7.41%
- July 1, 2013 to June 30, 2014: 7.52%
- July 1, 2012 to June 30, 2013: 6, 62%
- July 2011 to June 30, 2012: 7.28%
- July 1, 2010 to June 30, 2011: 8.56%
When income is paid?
Annual income is paid according to the birthday of the co-applicant, in the case of Caixa, or according to the end of the registration to Pasep, for public sector employees. Amounts must be withdrawn by June 29 of each year.
If the employee does not draw the income during the payment schedule, the amounts are automatically incorporated into the worker's quota balance on June 30 of each year. a new account update and provision of proceeds for loot next year
Withdrawal was temporarily suspended
Withdrawal from the fund was temporarily halted on Friday (29) and in August
View schedule:
- June 30 to August 7: withdrawal for the calculation of annual quota yields
- August 8: release of withdrawals for quota holders of all ages to have accounts in Caixa (PIS) and Banco do Brasil (Pasep). Shareholders from age 57 continue to be able to withdraw (and can earn up to 10% more, due to annual adjustment)
- Aug 14: withdrawal for shareholders of any age who have accounts in other banks
- September: last day for service. As of the following day, payment will only be made to members who meet the usual withdrawal criteria (read below)
If I do not withdraw the money, will I continue to receive income?
. Whoever does not make the withdrawal now, during this release from the government, will continue to receive the income annually.
Will I be able to take money after September 28th?
After September 28, the usual criteria for the payment of allowances If you do not withdraw the amounts within the prescribed time, the worker can only make the withdrawal if he fulfills at least one of the following conditions:
- 60 years of age or older
- retired
- disability
- cancer
- carrier of the HIV virus
- serious illnesses enumerated in interdepartmental order of the government
- older person and / or disabled receiving the Continuous Benefit (GCP) benefit
- transfer to a paid or retired reservation in the case of a member)
- in the event of the worker's death, the family may withdraw
