{"id":76035,"date":"2022-12-17T12:00:00","date_gmt":"2022-12-17T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=76035"},"modified":"2022-12-09T04:28:40","modified_gmt":"2022-12-09T04:28:40","slug":"saque-aniversario-ou-saque-rescisao","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/cs\/saque-aniversario-ou-saque-rescisao\/","title":{"rendered":"Odstoupen\u00ed od smlouvy nebo odstoupen\u00ed od smlouvy v den narozen\u00ed: pochopte rozd\u00edl"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-conheca-os-saques-e-confira-3-dicas-que-vao-te-ajudar-na-escolha\">Conhe\u00e7a os saques e confira 3 dicas que v\u00e3o te ajudar na escolha<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Saiba qual das duas escolher! Fonte: Pexels.\"  id=\"76036\" src=\"https:\/\/cdn.adtechpanda.com\/bee62c7e-6b4f-484f-abed-76eb5625a2c8\/-\/crop\/1280x1117\/0,203\/-\/preview\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Saiba qual das duas escolher! Fonte: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para quem trabalha de carteira assinada e quer acessar o seu saldo do FGTS, com certeza fica na d\u00favida sobre aderir ao saque-anivers\u00e1rio ou saque-rescis\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Essas duas modalidades de cr\u00e9dito podem permitir que o trabalhador acesse o saldo do fundo de formas, valores e em momentos diferentes.&nbsp;<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-11OR8N\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/cs\/consultar-fgts-pelo-cpf\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Jak zkontrolovat FGTS pomoc\u00ed CPF\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/fa417824-3b12-4785-9fa6-82ff63adfd67\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/cs\/consultar-fgts-pelo-cpf\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Jak zkontrolovat FGTS pomoc\u00ed CPF\">\n            Jak zkontrolovat FGTS pomoc\u00ed CPF        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Veja como voc\u00ea consegue saber o valor do seu fundo apenas pelo CPF!        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/cs\/consultar-fgts-pelo-cpf\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            \u010cti d\u00e1l            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/cs\/consultar-fgts-pelo-cpf\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/fa417824-3b12-4785-9fa6-82ff63adfd67\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Jak zkontrolovat FGTS pomoc\u00ed CPF              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/cs\/consultar-fgts-pelo-cpf\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    \u010cti d\u00e1l                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Z\u016fstanete na stejn\u00e9m webu              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas, mesmo quem sabe o que \u00e9 saque-anivers\u00e1rio ou saque-rescis\u00e3o fica na d\u00favida na hora de escolher, j\u00e1 que cada um deles possuem vantagens interessantes e desvantagens que devem ser bem analisadas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por isso, resolvemos preparar este post para explicar a voc\u00ea mais sobre cada uma dessas modalidades de saque para que assim voc\u00ea saiba qual delas \u00e9 a melhor para o seu uso.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>O que \u00e9 saque-anivers\u00e1rio?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Conhe\u00e7a mais sobre essa modalidade. Fonte: Pexels.\"  id=\"76038\" src=\"https:\/\/cdn.adtechpanda.com\/2511d82e-3dfb-49f0-9cc0-2cdae3a5312e\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Conhe\u00e7a mais sobre essa modalidade. Fonte: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em resumo, para entender a diferen\u00e7a entre o saque-anivers\u00e1rio ou saque-rescis\u00e3o \u00e9 preciso conhecer a fundo o que \u00e9 cada modalidade.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sendo assim, o saque-anivers\u00e1rio \u00e9 uma modalidade de saque que permite que o trabalhador receba parte do seu saldo do FGTS uma vez ao ano no m\u00eas de seu anivers\u00e1rio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, em todos os anos o trabalhador consegue acessar o dinheiro do seu fundo e pode utiliz\u00e1-lo da forma que quiser. Muita gente aproveita esse momento para comprar algo que queria ou investir o dinheiro em t\u00edtulos que rendem mais.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, quem adere ao saque-anivers\u00e1rio pode realizar a antecipa\u00e7\u00e3o desse dinheiro a partir de uma modalidade de cr\u00e9dito que muitos bancos possuem.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, ao antecipar o seu saque-anivers\u00e1rio, voc\u00ea consegue acessar hoje o valor equivalente ao valor total de saque que voc\u00ea faria daqui a 10 anos! E a melhor parte \u00e9 que essa modalidade de cr\u00e9dito conta com juros mais baixos que outras.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas, \u00e9 preciso considerar que o saque-anivers\u00e1rio pode fazer com que voc\u00ea n\u00e3o consiga acumular capital no seu fundo, j\u00e1 que em todos os anos parte do valor sair\u00e1 da conta do FGTS para ir at\u00e9 a sua conta banc\u00e1ria.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, caso voc\u00ea escolha o saque-anivers\u00e1rio hoje e acabe se arrependendo, s\u00f3 \u00e9 poss\u00edvel mudar a modalidade ap\u00f3s ter ficado com ela por dois anos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, \u00e9 importante considerar esses pontos antes de aderir ao saque-anivers\u00e1rio, para assim ter certeza da decis\u00e3o que voc\u00ea estar\u00e1 tomando.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1z0SGF\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/cs\/saque-aniversario\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Saque-anivers\u00e1rio\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/4609d711-562f-4eda-b05d-667f5a3ff1a5\/\" alt=\"Mulher segurando v\u00e1rias notas de dinheiro em formato de leque em frente ao seu rosto\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/cs\/saque-aniversario\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Saque-anivers\u00e1rio\">\n            Saque-anivers\u00e1rio        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Conhe\u00e7a mais detalhes sobre essa modalidade de saque.        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/cs\/saque-aniversario\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            \u010cti d\u00e1l            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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Mas, com o surgimento do saque-anivers\u00e1rio, agora os trabalhadores podem decidir qual dos saques querem aderir.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas, apesar de existir duas modalidades, o saque-rescis\u00e3o \u00e9 a modalidade de saque padr\u00e3o do FGTS. Ou seja, todas as contas j\u00e1 vem com essa modalidade pr\u00e9-configurada, sem que voc\u00ea precise aderir a ela em um primeiro momento.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, o saque-rescis\u00e3o oferece a vantagem de permitir que o seu dinheiro no FGTS consiga crescer ao passar dos anos para que assim voc\u00ea consiga acessar um valor maior no futuro em casos de emerg\u00eancias.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>No entanto, assim como o saque-anivers\u00e1rio, essa modalidade tamb\u00e9m tem um lado negativo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O fato \u00e9 que no Brasil, \u00e9 muito dif\u00edcil um empregador demitir seu funcion\u00e1rio sem justa causa porque ao fazer isso, ele precisa pagar uma multa de 40% do valor do saldo do fundo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sendo assim, o mais comum \u00e9 que o pr\u00f3prio funcion\u00e1rio se demita ou que seja feito um acordo entre empresa e colaborador. Dessa forma, apesar de oferecer mais seguran\u00e7a, o saque-rescis\u00e3o \u00e9 uma op\u00e7\u00e3o dif\u00edcil de ser acessada.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Qual a diferen\u00e7a entre saque-anivers\u00e1rio ou saque-rescis\u00e3o?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>At\u00e9 aqui voc\u00ea j\u00e1 p\u00f4de conferir o que cada modalidade de saque do FGTS significa.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas, para deixar mais claro as principais diferen\u00e7as entre o saque-anivers\u00e1rio ou saque-rescis\u00e3o, separamos abaixo as principais caracter\u00edsticas onde as duas modalidades de saque acabam se diferenciando.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Momento de realizar o saque<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em primeiro lugar, uma das diferen\u00e7as entre saque-anivers\u00e1rio ou saque-rescis\u00e3o tem rela\u00e7\u00e3o com o momento em que eles podem ser acessados.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sendo assim, o saque-anivers\u00e1rio tem uma frequ\u00eancia maior. Ele pode ser realizado todos os anos no m\u00eas do seu anivers\u00e1rio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por outro lado, o saque-rescis\u00e3o s\u00f3 pode ser sacado se voc\u00ea for demitido sem justa causa. Se isso n\u00e3o acontecer, o dinheiro continuar\u00e1 no fundo e voc\u00ea n\u00e3o ter\u00e1 acesso a ele com essa modalidade.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Valores de saque<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Outro aspecto que os diferencia \u00e9 em rela\u00e7\u00e3o aos valores que voc\u00ea pode acessar. Sendo assim, com o saque-rescis\u00e3o voc\u00ea sempre poder\u00e1 acessar 80% do valor do seu fundo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, se voc\u00ea tem R$ 1.000,00 no fundo, poder\u00e1 sacar a quantia de R$ 800,00.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por outro lado, o sistema de valores do saque-anivers\u00e1rio n\u00e3o \u00e9 t\u00e3o simples. Ele funciona a partir de faixas de valores que permitem que voc\u00ea acesse at\u00e9 50% do valor do seu saldo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E al\u00e9m da porcentagem, voc\u00ea tamb\u00e9m pode acessar uma parcela adicional, dependendo da sua faixa de saldo no FGTS.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para entender melhor, observe a tabela abaixo que mostra a rela\u00e7\u00e3o de faixas de saldo, porcentagem e parcela adicional.<\/p>\n<\/div><div class=\"prose text-left mb-5 w-[17rem] sm:w-full flex overflow-auto m-auto\">\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Faixa de saldo<\/strong><\/td><td><strong>Porcentagem<\/strong><\/td><td><strong>Parcela adicional<\/strong><\/td><\/tr><tr><td>At\u00e9 R$ 500,00<\/td><td>50%<\/td><td>&#8211;<\/td><\/tr><tr><td>De R$ 501,00\u00a0 at\u00e9 R$ 1.000,00<\/td><td>40%<\/td><td>R$ 50,00<\/td><\/tr><tr><td>De R$ 1.001,00\u00a0 at\u00e9 R$ 5.000,00<\/td><td>30%<\/td><td>R$ 150,00<\/td><\/tr><tr><td>De R$ 5.001,00\u00a0 at\u00e9 R$ 10.000,00<\/td><td>20%<\/td><td>R$ 650,00<\/td><\/tr><tr><td>De R$ 10.001,00\u00a0 at\u00e9 R$ 15.000,00<\/td><td>15%<\/td><td>R$ 1.150,00<\/td><\/tr><tr><td>De R$ 15.001,00\u00a0 at\u00e9 R$ 20.000,00<\/td><td>10%<\/td><td>R$ 1.900,00<\/td><\/tr><tr><td>Acima de R$ 20.001,00<\/td><td>5%<\/td><td>R$ 2.900,00<\/td><\/tr><\/tbody><\/table><figcaption>Confira os valores que s\u00e3o liberados no saque-anivers\u00e1rio. Fonte: Caixa.<\/figcaption><\/figure>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, segundo a tabela, uma pessoa que tenha R$ 1.000,00 no FGTS consegue acessar pelo saque-anivers\u00e1rio o valor de R$400,00 mais a parcela adicional de R$ 50,00 totalizando assim R$ 450,00.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Prazo de ades\u00e3o<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Outro ponto a se atentar \u00e9 em rela\u00e7\u00e3o ao prazo de ades\u00e3o aos saques. A saber, o saque-rescis\u00e3o n\u00e3o oferece nenhum prazo j\u00e1 que ele \u00e9 a modalidade padr\u00e3o do FGTS. Assim, \u00e9 poss\u00edvel aderir a ele em qualquer momento.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por\u00e9m, a hist\u00f3ria pode ser um pouco diferente com o saque-anivers\u00e1rio. Sendo assim, caso o trabalhador queira acessar o saque no mesmo ano de ades\u00e3o, ele precisa aderir a modalidade at\u00e9 o \u00faltimo dia do m\u00eas de seu anivers\u00e1rio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Caso a ades\u00e3o tenha sido feita depois, ele s\u00f3 come\u00e7ar\u00e1 a receber o valor do saque a partir do seu m\u00eas de anivers\u00e1rio do pr\u00f3ximo ano.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Como escolher o tipo de saque ideal para voc\u00ea?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Conhe\u00e7a tr\u00eas pontos para analisar e assim decidir entre as duas modalidades de saque. Fonte: Pexels.\"  id=\"76039\" src=\"https:\/\/cdn.adtechpanda.com\/9fd593d6-f96d-4dec-b69b-138bf1c94244\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Conhe\u00e7a tr\u00eas pontos para analisar e assim decidir entre as duas modalidades de saque. Fonte: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Depois de conhecer mais sobre as duas modalidades, muita gente pode ficar em d\u00favida sobre qual delas escolher, j\u00e1 que ambas oferecem vantagens interessantes para o trabalhador.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sendo assim, se voc\u00ea est\u00e1 na d\u00favida, separamos abaixo tr\u00eas dicas que podem ajudar voc\u00ea na hora de escolher um deles.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Analise a sua empresa e setor<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Antes de tudo, \u00e9 interessante que voc\u00ea veja como est\u00e1 o seu setor de atua\u00e7\u00e3o atualmente e a empresa que voc\u00ea trabalha.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aqui \u00e9 importante que voc\u00ea analise se o setor est\u00e1 em alta, em baixa ou ent\u00e3o se a sua empresa est\u00e1 demitindo muitos funcion\u00e1rios ou realizando mais contrata\u00e7\u00f5es.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Analisar esses pontos pode mostrar as chances que voc\u00ea pode ter de ser demitido sem justa causa. Sendo assim, se voc\u00ea acredita que as chances s\u00e3o baixas, pode ser mais interessante optar pelo saque-anivers\u00e1rio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas, caso as coisas na sua empresa estejam estranhas e ela n\u00e3o consiga lucrar tanto, pode ser mais interessante optar pelo saque-rescis\u00e3o para se proteger no futuro.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Verifique suas necessidades financeiras<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Outro ponto a analisar s\u00e3o as suas necessidades financeiras. No momento, voc\u00ea precisa de um dinheiro a mais para pagar as contas ou consegue seguir bem com o que recebe?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ou quem sabe voc\u00ea quer investir em um novo projeto e pode precisar de mais dinheiro no momento.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Caso voc\u00ea tenha uma necessidade mais imediata de ter dinheiro, o saque-anivers\u00e1rio pode ser uma boa op\u00e7\u00e3o de ter a quantia desejada sem precisar fazer empr\u00e9stimo no momento.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Conhe\u00e7a o seu perfil financeiro<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, tamb\u00e9m \u00e9 interessante que voc\u00ea se conhe\u00e7a quando o assunto s\u00e3o as finan\u00e7as pessoais.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, se voc\u00ea faz mais o perfil de quem n\u00e3o guarda dinheiro e prefere usar todos os recursos que tem, talvez seja mais interessante se manter no saque-rescis\u00e3o para ter uma garantia no futuro.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas, caso voc\u00ea fa\u00e7a o tipo que guarda dinheiro e at\u00e9 investe, o saque-anivers\u00e1rio pode ser uma boa oportunidade para voc\u00ea crescer o seu patrim\u00f4nio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sendo assim, para escolher entre o saque-anivers\u00e1rio ou saque-rescis\u00e3o, \u00e9 preciso analisar muito bem suas finan\u00e7as e seus comportamentos para assim tomar a escolha ideal para voc\u00ea.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por outro lado, se quiser saber mais sobre o saque-rescis\u00e3o, acesse o conte\u00fado recomendado abaixo.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z11plwv\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/cs\/saque-rescisao\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Saque-rescis\u00e3o\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/06c15798-3a26-4a3b-81e4-066bb24f0a57\/\" alt=\"Homem de terno com as m\u00e3os para cima comemorando\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/cs\/saque-rescisao\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Saque-rescis\u00e3o\">\n            Saque-rescis\u00e3o        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Conhe\u00e7a mais sobre essa modalidade e saiba como sacar o dinheiro por ela!        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/cs\/saque-rescisao\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            \u010cti d\u00e1l            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); 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