Reader Anselmo was laid off from his company and will withdraw his FGTS. Over the next five months, he will receive unemployment insurance and a settlement agreement with the company, amounts that will be sufficient to cover his monthly expenses. After that period, however, his income will be lower than his expenses, and he will need to use the FGTS money to supplement his income.
The recommendation is that Anselmo invest the FGTS funds in a conservative application with daily liquidity, such as a DI fund or a daily-liquidity CD from the bank where he has his checking account. The article advises avoiding more complex investment modalities.
Currently, the returns on conservative financial investments are around 14% per year. After the tax deduction, the net gain is approximately 0.9% per month. Since interest rates are expected to decline in the coming months, the guidance is to consider a more conservative monthly rate of 0.8%.
Six months from now, when the unemployment insurance payments end, the article mentions that Anselmo will need to reassess his financial situation and possibly seek other sources of income or adjust his spending.
