How to register with Serasa Consumer?
Anyone who is employed with a signed contract has the right to benefit from an annual FGTS withdrawal, which means that they can withdraw part of the FGTS balance each year in the month of their cumpleaños and during the following months.
If the employee chooses this withdrawal, it is important to remember that you will not have the right to withdraw the entire balance of the FGTS account in case of unjustified dismissal, which is the withdrawal due to termination of contract.
This worker will still retain the right to receive compensation from the 40% in case of dismissal, but will lose the possibility of withdrawing all funds from his account if he is fired.
The annual retreat is applicable to both active and inactive accounts. If the account has up to R$ 500, the worker can withdraw the 50% from the balance. If the account has a balance exceeding R$ 500, withdrawals will increase with an additional fixed amount.
Adherence to the annual retreat is not mandatory; The worker can choose to join this retreat or elect that the values be deposited continuously in the FGTS account.
How to join the annual retreat:
If the worker wishes to join this benefit, he must authorize the withdrawal, as it is not automatic.
To do this, the taxpayer must download the FGTS application, available for both Android and iOS devices.
Another option is to access the Caixa Econômica Federal website.
Caixa customers who wish to join the annual retreat must log into the bank system or the Internet banking website and select the annual retreat option.
For those who want to save FGTS money, you can leave it where it is. According to the laws of the Federal Government, the worker can withdraw the entire balance of the account in the future, but with some conditions:
In case of unjustified dismissal.
For retirement.
To buy your own home.
I withdraw after the death of the account holder.
People who opt for an annual retreat may regret returning to the retreat option for termination at any time, but they will be able to withdraw these funds from the account after a 2-year waiting period.
Even if the worker chooses to withdraw the funds in the month of his cumpleaños, he can only use the FGTS money to finance his own home, as this law has not been modified.
Is it worth joining the annual retreat?
It depends on what you're going to do with the money. If the worker needs the funds immediately, then it is really good to withdraw this additional money.
At certain times of the year, extra money is always useful, especially when there are additional expenses that must be paid.
But if the objective is to save money and give an advance for your own home, it is more interesting to save funds in your account and, when you reach a considerable amount, that money can be used better to buy a property.
Once the contributor joins the annual retreat, the amount will be available for three months after the release date. If you do not withdraw, you will automatically return to your FGTS account.
To find out the balance of the FGTS account, the worker can download the FGTS application on their phone or access the Caixa's official website. In both cases, there is a value simulator to know how much you would receive if you took advantage of this benefit.
