Overview
- Students may keep the conclusion incentive in savings by default or opt to invest it in Tesouro Direto, with the choice changeable at any time.
- The balance remains blocked until the Education Ministry confirms eligibility, and any account closure request keeps funds in savings until the status is regularized.
- A one-time authorization from a legal guardian is required at the moment the account is released for use or investment, and eligible students have accounts opened automatically.
- Caixa Econômica Federal, as the program’s financial agent, must provide clear information on investments, including profitability and cost reports.
- If a student fails to meet program rules, the principal and earnings revert to the Fipem fund; press reports detail the incentive mix and cite a government window for the conclusion deposit between February 26 and March 5, 2026.