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The FGTS (Service Time Guarantee Fund) is one of the benefits received by an employee who is fired by a company. However, the amount received varies according to the amount accumulated by each worker. It is up to the person who was fired to choose the best way to use their money. While some prefer to use the benefit to pay off debts or buy a property, there are those who want to open a business with the payment amount. A survey carried out by the Opinion Box Institute, commissioned by Serasa and Banco Pan in 2019, showed that 33% of Brazilians would like to use the money from their FGTS to start a business . However, although it seems like a simple task, you need to be careful. Investing in your own business requires strategies to be adopted so that it can be successful. Below, see tips on how to use FGTS correctly to open a business. Determine a value of the FGTS balance to invest in your business Starting a new business with little money is something that may not work. Therefore, if the FGTS value is insufficient, the ideal is to rethink whether, in fact, this is the time to invest in your business.
Furthermore, you need to be careful when investing all the benefit money in the future company, as you will need to have a reserve amount for possible emergencies. It is important to remember that profit does not come immediately, meaning it will take time for your business to generate a financial return . Analyze your business options You can open your independent business or invest in microfranchises , also known as cheap franchises. They tend to have a high monthly turnover and, as they have a low risk, they are advantageous for those just starting out. It is common for these franchises to Industry Email List have legal support, training and other facilities. If you choose to invest your FGTS in a franchise, it is important to study the brand and the market before closing a deal. Furthermore, looking for something that fits your profile is essential for your business to grow. Create a business plan With the business plan you will be able to organize your ideas when starting a business. It will serve as a kind of guide, which will direct your steps along the route.
Through the business plan, you will be able to have detailed information on how services can be offered, what products will be sold, strengths and weaknesses of the new business, among other notions necessary to manage the company assertively. Invest in customer relationships After opening your business, whether independent or a microfranchise, having a good relationship with the customer is essential for your business to succeed. After all, a satisfied customer, in addition to being more likely to be loyal, also recommends your products and services to other people. Therefore, investing in tools that provide good customer service is one of the ways to boost your business. To do this, you can use part of your FGTS to invest in the integration of a chatbot in your company and a customer service survey. With the chatbot configured according to your business needs , it is possible to respond to the customer 24 hours a day through robots, without the consumer having to wait hours to be served.
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