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FGTS Define Distribuição de Lucros: Saiba Como Consultar o Seu Saldo e o Que Esperar dos Rendimentos em 2023

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Nesta quinta-feira, 8 de agosto, o Conselho Curador do Fundo de Garantia do Tempo de Serviço (FGTS) se reúne para decidir a distribuição dos lucros acumulados pelo fundo em 2023. O valor a ser dividido entre os trabalhadores brasileiros é impressionante: R$ 23,4 bilhões, um recorde que representa quase o dobro dos R$ 12,1 bilhões obtidos no ano anterior.

O que significa a distribuição de lucros do FGTS?

A distribuição de lucros do FGTS é uma prática prevista em lei, onde parte dos ganhos obtidos pelo fundo ao longo do ano é repassada aos cotistas, ou seja, aos trabalhadores que possuem saldo em contas vinculadas ao FGTS. Esses lucros são receitas de aplicações financeiras realizadas pelo fundo, como investimentos em títulos públicos, habitação, saneamento, infraestrutura e saúde.

Detalhes da Distribuição em 2023

O lucro extraordinário de R$ 23,4 bilhões será dividido de forma proporcional ao saldo que cada trabalhador possuía em sua conta do FGTS até 31 de dezembro de 2022. Isso significa que quanto maior o saldo, maior será a parcela dos lucros a serem recebidos .

A Caixa Econômica Federal, que administra o FGTS, tem até dia 31 de agosto para realizar essa distribuição. O valor será creditado diretamente na conta vinculada do trabalhador, sem a necessidade de qualquer solicitação adicional.

Impacto da Decisão do STF nos Rendimentos do FGTS

Além da distribuição de lucros, há uma questão importante relacionada aos rendimentos do FGTS. Por lei, o fundo oferece um rendimento anual de 3% acrescido da taxa referencial (TR). No entanto, uma recente decisão do Supremo Tribunal Federal (STF) determinou que o FGTS deve ter uma correção mínima pelo Índice Nacional de Preços ao Consumidor Amplo (IPCA). Essa correção garante que o rendimento do fundo acompanhe, no mínimo, a inflação, protegendo o poder de compra dos trabalhadores.

É importante destacar que esta decisão do STF não terá efeito retroativo, ou seja, ela se aplica apenas a partir da data de publicação do julgamento. Isso significa que os rendimentos dos anos anteriores não serão revisados, mas a partir de agora, o FGTS deve garantir, pelo menos, a correção pela inflação.

O que acontece se o rendimento ficar abaixo da inflação?

Caso, após a distribuição dos lucros, o rendimento total do FGTS — que inclui os 3% anuais mais a TR — seja inferior à medida de inflação pelo IPCA, o Conselho Curador do fundo terá que estabelecer uma forma de compensação. Isso visa garantir que o saldo dos trabalhadores seja corrigido de acordo com a inflação, evitando perdas financeiras.

O rendimento definitivo do FGTS em 2023 só será conhecido após a conclusão dessa distribuição, quando for possível verificar se o montante foi suficiente para superar a inflação do período.

De Onde Vem o Lucro do FGTS?

Dos R$ 23,4 bilhões de lucros registrados em 2023, R$ 16,8 bilhões são lucros recorrentes, gerados pelas aplicações tradicionais do FGTS em diversos setores. Já os R$ 6,6 bilhões restantes resultaram da reestruturação do fundo destinado à revitalização do Porto Maravilha, no Rio de Janeiro. Esse fundo foi criado para financiar obras de infraestrutura na região portuária da cidade, um projeto iniciado em 2010 e que recebeu novos transportes após um acordo firmado em agosto de 2023.

Como consultar seu Saldo no FGTS?

Para os trabalhadores que desejam participar do pagamento da sua conta no FGTS, a consulta do saldo pode ser feita de maneira fácil e acessível. As opções disponíveis incluem:

  • Aplicativo FGTS : Disponível para download em smartphones, o aplicativo permite que o trabalhador consulte seu saldo, visualize o extrato detalhado e receba notificações sobre os depósitos depositados pelo empregador.
  • Site da Caixa Econômica Federal : Através do portal da Caixa, é possível acessar todas as informações relacionadas ao FGTS, incluindo o saldo atualizado.
  • Internet Banking da Caixa : Os clientes da Caixa Econômica Federal podem acessar suas contas pelo internet banking e verificar o saldo do FGTS diretamente na plataforma.
  • Agências da Caixa : Para quem prefere atendimento presencial, é possível solicitar o extrato do FGTS diretamente em uma das agências da Caixa Econômica Federal.

Por que ficar atento ao Saldo do FGTS?

Manter-se informado sobre o saldo e os rendimentos do FGTS é essencial para os trabalhadores, especialmente em tempos de inflação elevada. Além de servir como reserva financeira em casos de demissão sem justa causa, o saldo do FGTS pode ser utilizado para compra da própria casa, amortização de dívidas e outras finalidades previstas na lei. Com a recente decisão do STF e a distribuição do registro de lucros, é importante garantir que os valores sejam corretos e ajustados.

Com informações do site Gazeta Brasil

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Walmart Shares Soar to All-Time High Following Strong Sales and Profit Growth

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Walmart shares

Walmart (WMT) reported better-than-expected results for the third fiscal quarter of 2025 on Tuesday, with both sales and profits showing impressive growth, leading to a new all-time high in its stock price – Walmart shares

Record Revenue and Profit

The retail giant announced a revenue of $169.59 billion, surpassing last year’s $160.80 billion and beating analysts’ expectations of $167.72 billion, according to Visible Alpha. Walmart’s net income for the quarter reached $4.58 billion, or $0.57 per share, exceeding estimates of $4.25 billion and $0.53 per share, respectively.

E-Commerce and Advertising Drive Growth

Walmart’s e-commerce and advertising sectors, two of the company’s fastest-growing areas, saw significant increases. E-commerce revenue rose by 27%, while its digital advertising revenue surged by 28%. Analysts highlighted that the strong performance of Walmart’s high-margin advertising business could help offset losses in its e-commerce operations, potentially boosting the company’s overall profit margins.

Walmart Gaining Market Share Amid Inflation

Walmart has successfully gained market share across various income levels in recent quarters. Executives attributed this growth to the company’s combination of affordable prices and convenience, which has made Walmart a popular choice for consumers feeling the impact of inflation.

Positive Fiscal Outlook for 2025

Walmart also raised its projections for fiscal 2025. The company now expects sales growth between 4.8% and 5.1%, an increase from its previous forecast of 3.75% to 4.75%. Additionally, Walmart raised its adjusted earnings per share (EPS) guidance to a range of $2.42 to $2.47, up from the earlier range of $2.35 to $2.43.

Stock Performance Hits New High

Walmart’s stock has seen a remarkable 60% increase year-to-date. After the earnings report, shares rose by 3%, reaching $86.67, and hit a new record of $87.88 shortly after the markets opened.

Retail Earnings Season Begins

Walmart, along with home improvement giant Lowe’s (LOW), is leading the start of a busy earnings season for the retail sector. Other major retailers, including Target (TGT), TJX Companies (TJX), and BJ’s Wholesale Club (BJ), will report their results this week. These reports will offer key insights into consumer health as the holiday shopping season approaches.

With strong results from Walmart, analysts will gain valuable information about the overall state of consumer spending in the U.S., which will be crucial for understanding trends as the end-of-year shopping season approaches.

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Who is Warren Buffett? The History and Contribution of the Oracle of Omaha to the Financial Market

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Warren Buffett, who is often referred to as the “Oracle of Omaha,” is undoubtedly one of the most renowned investors in history. Born on August 30, 1930, in Omaha, Nebraska, Buffett has, over the decades, meticulously built his reputation as both a financial genius and a committed philanthropist. As a result of his extraordinary success, his name has become synonymous with long-term investing, disciplined decision-making, and an unmatched ability to generate substantial wealth through the stock market. In this article, we will explore his background, highlight his key accomplishments, and delve into his significant contributions to the financial world.

Early Life and Education

Warren Edward Buffett demonstrated a keen interest in business and investing from a very young age. In fact, by the time he was just 11 years old, he had already purchased his first stock, a remarkable feat for someone so young. Furthermore, Buffett’s dedication to education was evident as he attended the University of Nebraska to complete his undergraduate studies. Later on, he earned a master’s degree in economics from Columbia University. It was during his time at Columbia that Buffett had the opportunity to study under the legendary investor Benjamin Graham, the author of The Intelligent Investor. Not surprisingly, Graham’s principles of value investing profoundly influenced Buffett’s investment philosophy, shaping the foundation of his future success.

O Legado de Warren Buffett

Building Berkshire Hathaway

Buffett’s rise to fame began with his acquisition of Berkshire Hathaway, a struggling textile company, in the 1960s. He transformed the company into a diversified conglomerate, owning subsidiaries in industries ranging from insurance (GEICO) and energy (Berkshire Hathaway Energy) to retail and manufacturing. Today, Berkshire Hathaway is one of the most valuable companies in the world, with a market capitalization exceeding $700 billion.

Warren Buffett’s strategy involves acquiring undervalued companies with strong fundamentals and holding them for the long term. His iconic investments include Coca-Cola, American Express, and Apple. This “buy-and-hold” approach has made Berkshire Hathaway’s Class A shares some of the most expensive on the stock market, valued at hundreds of thousands of dollars each.

Warren Buffett – Investment Philosophy

Buffett’s investment philosophy is grounded in simplicity and discipline. He advocates for investing in businesses with strong competitive advantages, trustworthy management, and consistent earnings. Famous for his quotes, Buffett often emphasizes the importance of patience, saying, “The stock market is a device for transferring money from the impatient to the patient.”

Philanthropic Contributions

In addition to his financial success, Warren Buffett is one of the most generous philanthropists in the world. He co-founded The Giving Pledge with Bill and Melinda Gates, committing to donate the majority of his wealth to charitable causes. As of today, Buffett has donated tens of billions of dollars to causes such as education, health care, and poverty alleviation.

Warren Buffett and his Legacy in the Financial Market

Buffett’s impact on the financial market is immeasurable. His teachings have inspired countless investors to adopt value investing as a core strategy. Moreover, his annual letters to Berkshire Hathaway shareholders are regarded as must-read material for anyone interested in finance.

Buffett’s story is also a testament to the power of long-term vision and ethical business practices. Unlike many investors who chase quick profits, Buffett focuses on sustainability and creating lasting value, making him a trusted figure in the industry.

Conclusion

Warren Buffett’s contributions to the financial world extend far beyond his impressive investment portfolio. His life serves as a masterclass in patience, discipline, and integrity. Known as the Oracle of Omaha, Buffett continues to inspire millions with his wisdom and generosity, proving that success is not just about making money but also about making a difference.

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The Environmental Impact of Cryptocurrencies: Challenges and Sustainable Solutions

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The topic of “The environmental impact of cryptocurrencies” has certainly generated intense debate in recent years, especially with the continued growth in the use of digital currencies such as Bitcoin. The blockchain technology behind these cryptocurrencies requires large amounts of energy, raising concerns about long-term sustainability. In this article, we will explore how cryptocurrencies affect the environment and the measures being taken to mitigate these impacts.

The Energy Required for Blockchain: Mining and the Environmental Impact of Cryptocurrencies

Cryptocurrency mining involves validating transactions on a blockchain network and requires significant computational processing power. This process is energy-intensive, especially for cryptocurrencies that use the Proof of Work (PoW) algorithm. Bitcoin, for example, is often criticized for its high energy consumption, which rivals that of some medium-sized countries.

 

The Environmental Impact of Cryptocurrencies

The Carbon Footprint of Cryptocurrencies: What Do the Studies Say?

Studies have quantified the carbon footprint of cryptocurrencies, revealing alarming data. According to research from the University of Cambridge, the Bitcoin network consumes more than 120 terawatt-hours (TWh) of electricity per year, equivalent to about 0.55% of global electricity production. This massive consumption contributes significantly to greenhouse gas emissions, placing cryptocurrencies at the center of discussions on climate change.

Sustainable Alternatives: Green Cryptocurrencies and Eco-Friendly Algorithms

To address the growing concern about the environmental impact of cryptocurrencies, initiatives are emerging focused on making the technology more sustainable. One such initiative is the adoption of less energy-intensive consensus algorithms, such as Proof of Stake (PoS). In addition, cryptocurrencies such as Chia have been designed to be more environmentally friendly, using consensus methods that consume significantly less energy.

The Transition to Renewable Energy in Cryptocurrency Mining

Another strategy to reduce environmental impact is the transition to renewable energy sources in mining. Mining companies are beginning to adopt solar, wind, and hydroelectric power for their operations. This shift not only helps to reduce the carbon footprint, but can also make cryptocurrency mining more cost-effective in the long run.

Conclusion: The Future of Cryptocurrencies and Environmental Sustainability

The environmental impact of cryptocurrencies is a significant challenge that cannot be ignored. However, with the advancement of technologies and a growing awareness of the importance of sustainability, the future of cryptocurrencies can be greener. With the transition to more efficient algorithms and the adoption of renewable energy, these are essential steps to ensure that the growth of cryptocurrencies does not harm the environment.

In this scenario, the combination of technological innovation and environmental commitment can help shape a more sustainable future for cryptocurrencies.

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