Many doubts have arisen since the law was passed allowing participants in private pension plans, such as PGBL or VGBL, to choose the tax regime – whether using the progressive or regressive table – only at the end, when they receive the benefit, or at the first redemption of the accumulated amounts.
Until now, the choice could only be made when the plan was contracted. And those who opted for the regressive table had to keep that choice, even if it wasn’t really advantageous in the future. Now, there is the possibility of switching.
In the Valor Investe report, our lawyer Ednaldo Almeida Rodrigo explained that it is better to wait until the benefit is obtained or the first redemption is requested, so that the participant can make a clearer decision about the best tax regime to apply, taking into account the accumulated balance and the contribution period.
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