In a move to facilitate workers' access to their Time of Service Guarantee Fund (FGTS) resources, the federal government presented the calendar for the 2024 FGTS anniversary withdrawal.
This modality allows workers the option of withdrawing part of their FGTS balance annually. This happens in the month of their birthday, offering a flexible alternative to the total withdrawal linked to events such as unfair dismissal.
Thus, with the aim of promoting greater financial freedom and assisting in personal financial planning, the anniversary withdrawal is a valuable tool for Brazilians.
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FGTS Dates 2024
The established calendar maintains the logic of allowing withdrawals within a specific period, based on the account holder's birth month. For January, for example, the withdrawal period extends from January 2 to March 29.
This window of opportunity is repeated in a similar way for the other months. In other words, it ensures that everyone has access to their funds in an orderly and predictable manner.
Furthermore, this structure seeks not only to simplify the withdrawal process, but also to avoid overloading banking systems. Another objective is to ensure that workers can count on this resource at a strategic time of the year.
How does the FGTS anniversary withdrawal work?
Unlike the termination withdrawal, which restricts access to the total FGTS balance to specific situations such as dismissal without just cause, the anniversary withdrawal modality offers workers the chance to withdraw a fraction of the balance available in their account annually.
This represents an opportunity to have additional resources for investments, paying debts or even for personal use, increasing the individual's financial autonomy.
Who is entitled to the anniversary withdrawal?
The anniversary withdrawal option is available to all workers who have active or inactive FGTS accounts.
By opting for this option, the employee gives up the possibility of withdrawing the total balance in the event of unfair dismissal, being eligible only to receive the termination fine of 40% on deposits made by the employer throughout the employment contract.
In other words, this choice must be made based on a careful analysis of each individual's financial needs and objectives, considering the flexibility offered by the anniversary withdrawal versus the security of the total withdrawal in emergency situations.
Image: Marcelo Camargo/Agência Brasil
