This tool will help you in your pension planning decisions.

Interests that work in your favor

You must have heard that expression that says “money makes money”, right? With the power of compound interest, which exponentially increases the resources you invest in the plan, your assets tend to grow faster and faster.

Tax benefits

If you complete the Individual Income Tax return, you can deduct contributions made to the Sabesprev Family up to 12% of your gross annual taxable income. Even parents can use the tax incentive in relation to contributions made in favor of their children under 16* (if older, they must be linked to Social Security).

Estate Planning

In the event of the participant's death, the resources accumulated in the Sabesprev Family are paid directly to the indicated beneficiaries, without the need for sharing or probate, therefore eliminating expenses with legal fees and taxes, such as ITCMD (in São Paulo). This means economy and agility.

Flexibility to contribute

In addition to the Basic Contribution, you can make voluntary contributions whenever you have a little or a lot of money left over. The so-called Sporadic Contributions help to increase your total balance and can even be deducted from your IR. (To make sporadic contributions, just make a pix to [email protected]). But if the situation gets tough, don't worry, you can request the suspension of the Basic Contribution for up to 12 months without canceling the plan.