The advance payment of the 13th INSS salary is a benefit that can significantly help retirees, pensioners, and other beneficiaries who rely on the National Social Security Institute (INSS) in Brazil. If you’re looking for ways to optimize your finances and better plan your year, understanding how this payment works can be a smart move — especially if you know how to use it to generate extra income.
What is the Advance Payment of the 13th INSS Salary?
The 13th salary for INSS beneficiaries works like a Christmas bonus, usually paid in two installments at the end of the year. However, the Brazilian government often anticipates part of this payment to help stimulate the economy and support the financial needs of millions of people.
The advance payment means you will receive part (or all) of this extra salary months before the usual period, giving you the flexibility to cover expenses or invest earlier.
Who is Entitled to Receive It?
The benefit is granted to:
- Retirees
- Pensioners
- Beneficiaries of accident aid, sickness aid, and imprisonment aid (except for temporary benefits shorter than 1 year)
If you fall into one of these categories, you will automatically receive the amount — no application process is required.
When is the Advance Paid?
The exact payment dates vary each year and are determined by the government’s official calendar. Usually, the first installment of the 13th is paid between April and June, while the second is issued in the final months of the year.
How to Use the Advance to Make Money Online
If you want to go beyond covering bills, the advance payment can be an opportunity to invest in online income sources, such as:
- Starting an online business — Selling products or services via marketplaces or social media.
- Investing in digital courses — Learning profitable skills like digital marketing, design, or e-commerce.
- Buying and reselling online — Using platforms like Shopee, Mercado Livre, or Amazon.
- Investing in low-risk financial products — Treasury bonds, CDBs, or conservative investment funds to grow your money safely.
Tips to Make the Most of It
- Avoid impulsive spending — Plan your use of the money before it arrives.
- Allocate a portion to investments — Even a small percentage can make a big difference over time.
- Think about recurring income — Use the payment to create a source of income that keeps generating profit throughout the year.
Final Thoughts
The advance payment of the 13th INSS salary is more than just an early bonus — it can be a strategic financial tool. With the right mindset and planning, you can transform this benefit into an opportunity for financial growth and stability.
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