The distribution of almost R $ 13 billion from the profit from the FGTS Guarantee Fund (FGTS) in 2024, approved on Thursday (24) By the Fund’s curator board, it will be divided proportionally among quota holders. The higher the balance of the account linked to FGTS, the more the worker will have to receive.
The money will be deposited until August 31. The reference amount corresponds to the balance of each account on December 31, 2024. Those who have more than one account will receive the credit in all of them, respecting the proportionality of the balance.
To find out the portion of the profit that will be deposited, the worker must multiply the balance of each account on his name on December 31 last year by 0.02042919. This factor means that, in practice, every $ 1,000 balance, the quotaholder will receive $ 20.43. Those who had $ 2,000 will have credit of $ 40.86, with the amount rising to $ 102.15 for those who had $ 5,000 at the end of 2024.
The percentage of the profit that would be passed on to workers was defined on Thursday by the Board of Trustees and equals 95% of the profit of R $ 13.61 billion obtained by FGTS last year. The distribution of profit will increase FGTS performance this year to 6.05%, greater than the official inflation of 4.83% by the National Consumer Price Index (IPCA) in 2024.
Even winning inflation, the FGTS yielded less than the savings account. Last year, savings yielded 6.41%, influenced by the Selic rate (basic interest rates of the economy). When basic interest rates are above 8.5% per year, savings yields 0.5% per month (6.17% per year) plus the referential rate (TR).
By law, FGTS yields 3% per year plus the Referential Rate (TR). However, the distribution of profits – existing since 2017 – improves fund performance. Credit – Traditional income plus the distribution of profit – is incorporated into the account balance.
In 2024, the Supreme Federal Court (STF) has ruled that the fund should have minimum correction by the National Consumer Price Index (IPCA), but the correction is not retroactive about the stock of the accounts and is only valid from the publication of the result of the trial.
If the result of the distribution of profit per worker and the income of 3% per year more to TR is smaller than inflation, the curator board is required to define a form of compensation for the correction to reach the IPCA.
Can I withdraw?
FGTS money can only be withdrawn in accordance with withdrawal rules, such as dismissal without cause, home purchase or serious illnesses.
Since 2020, the worker can remove part of the balance in the anniversary month. In this case, it is necessary to adhere to the looting mode. However, if it is fired, the employee who opted for the anaqueed byded will only receive the 40% termination fine, not the employer’s deposits.
How to consult the balance
To verify the balance of the Guarantee Fund, the worker must consult the fund statement, in the FGTS application, Caixa Econômica Federal, available for smartphones and tablets of Android and iOS systems.
Upon entering the application, the worker should:
- Login with the registered password;
- Click on “Summary of Your FGTS”;
- Check, on the next screen, the complete history of deposits, withdrawals and income;
- Roll the screen until the month of December 2024 finds;
- Note the partial balance on December 31, 2024. You can print the extract or save it to PDF file;
- Multiply the balance on December 31 by 0.02042919. This should be done on each FGTS account on behalf of the worker.
Anyone who cannot make the consultation over the internet should go to any Caixa agency to ask for the extract at the service counter. The bank also sends the FGTS extract on paper every two months, at the registered address. Those who changed residence should look for a box agency or call 0800-726-0101 and enter the new address.
