Double your thirteenth salary with these tips!

As the end of the year approaches, many workers receive an important financial benefit: the thirteenth paycheck. The first installment, equivalent to 50% of gross salary, without deductions, must be paid to employees under the CLT regime by the November 30 deadline. The value of this calculation includes payroll amounts such as overtime, bonuses, and commissions. The perspective that raises doubts for most workers is what to do with this money, and it is precisely the management of this benefit that we are talking about in this article.

One major doubt among workers is whether to invest, pay off debt or create an emergency fund. An interesting path is to pay off debt, especially to start the new year in a more financially peaceful way. However, the entire benefit should not be directed to one purpose.

How to divide the thirteenth salary?

It is important, even for those with overdue bills, to set aside part of the down payment of the 13th installment to form an emergency fund. Unexpected events can happen at any time, and having a financial security buffer becomes crucial.

For those who have already paid off their debts and are interested in investing this money, it is necessary to consider some factors, such as the security and liquidity of the investment. There are good safe options with daily liquidity, such as Treasure Selic and CDBs.

What options are available to invest your thirteenth salary?

For those who already have an emergency reserve, the 13th application can be directed toward more profitable investments. In this sense, fixed income investments are better suited for more conservative profiles. Meanwhile, for those with an appetite for risk, variable income can be a useful option.

Furthermore, if all debts are paid off and there is a full emergency fund, using this benefit for some types of entertainment, such as travel, is a valid option. With so many opportunities, it is possible to build a diversified portfolio, which increases the chances of success and mitigates risk.

Regardless of what purpose you will use your 13th paycheck, it is essential to know your investor profile and implement financial planning that allows for greater security and personal satisfaction.