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Brazilians happily managing 13th salary by paying debts, investing in Tesouro Selic/CDBs, and planning renovations amid R$369.4B economic injection.
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13th salary arrives offering options for investments and debts

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The first installment of the 13th salary was deposited by Friday (28), injecting R$ 369.4 billion into the Brazilian economy in 2025, according to Dieese. Experts recommend using the benefit to pay off expensive debts, renovate properties, or invest in safe options like Tesouro Selic and CDBs. With interest rates at 15% per year, the choice depends on each person's financial profile.

The Employees' Provident Fund (EPF) interest rate has remained at 8.25%. For many salaried employees, EPF and Voluntary Provident Fund (VPF) are trusted tools for retirement savings. Some investors are wondering whether to continue contributing to VPF or shift extra savings to Systematic Investment Plans (SIPs) for better long-term returns.

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