Created in 2023 to complement retirementExtra Treasury+ Extra retirement completed 2 years with a record investment. In late January, the total applied in the title totaled $ 4 billion, up 150% in 12 months.
According to the National Treasury and B3, the Brazilian Stock Exchange, 61% of investors in the public title are from 25 years to 44 years old. Created by B3, the Treasury and the Social Security Ministry Secretariat, Treasury Income+ allows the investor to plan a retirement date and receive an extra monthly income for 20 years from the due date of the chosen paper. The amount is corrected monthly by inflation, to ensure the purchase power of the investment.
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The capital accumulation period, equivalent to the life of this title, is from 7 years to 42 years, depending on the salary chosen by the investor. There are eight paper due dates, from January 15, 2030 to January 15, 2065, always with 5 year intervals between one title and another (2030, 2035, 2040, 2045, 2050, 2055, 2060 and 2065).
According to the National Treasury and B3, in addition to the interest in funding retirement, actions such as the Treasury Direct Gift Card have contributed to the increase in Income+Investments. Created in December, the Gift Card B3, a prepaid card that allows us to present government bonds to third parties, moved R $ 250 thousand in a month.
The Treasury also cites the Direct Treasury Olympics of Financial Education (Olitef), aimed at students from 6th to 9th grade of elementary school and 1st year of high school, as a factor that contributes to the result.
It is possible to start investing in the Treasury Income+ with any value. Until November last year, there was a minimum limit of $ 30, but now the investor can apply from the fraction of 1% of the value of the chosen paper. There is no limit for purchasing assets. The investor can purchase as many titles as they want from the eight Income+ Treasury Securities available, respecting a limit of $ 2 million per month.
The investor who makes the early redemption of securities before 10 will pay a rate of the redemption amount of 0.5% per year. Between 10 years and 20 years, the rate charged will be 0.2% per year. Over 20 years, 0.1% per year. In this case, there are no charges of semiannual fees. The investor only pays the custody fee at the time of the rescue that occurs before the title maturity.
The custody fee is also charged if, at the time of income conversion of accumulated securities, the investor receives more than six minimum wages per month. In this case, the rate of 0.1% per year will focus on what exceeds six wages.
Fundraising
Treasury Direct was created in January 2002 to popularize this type of application and allow individuals to acquire government bonds directly from the National Treasury via the Internet without intermediation of financial agents. The applicator only needs to pay a semiannual fee for B3, which has the custody of the titles.
Other information can be obtained in the Treasury Direct website.
Selling titles is one of the ways the government has to raise funds to pay debts and honor commitments. In return, the National Treasury is committed to returning the amount with an additional that may vary according to Selic, inflation rates, exchange rates or a defined rate in advance for the pre-fixed papers.
