{"id":6185,"date":"2022-11-11T16:55:03","date_gmt":"2022-11-11T16:55:03","guid":{"rendered":"http:\/\/sitesempresas.com\/amplitude\/?page_id=6185"},"modified":"2023-02-03T17:22:42","modified_gmt":"2023-02-03T17:22:42","slug":"planos-poupanca-reforma-2","status":"publish","type":"page","link":"https:\/\/www.amplitudeseguros.com\/en\/seguros\/seguros-particulares\/planos-poupanca-reforma-2\/","title":{"rendered":"Retirement Savings Plans"},"content":{"rendered":"
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Retirement Savings Plans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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A PPR is a financial investment geared towards medium and long-term savings, with the objective of complementing your retirement. The investment policy of the funds associated with the Retirement Savings Plan takes into account the principle of risk dispersion, security, yield and liquidity of the investments.<\/p>

\"The PPRs are made up of registered certificates of a retirement savings fund which may take the form of a securities investment fund, pension fund or, similarly, an autonomous fund of a type of life insurance.<\/p>

Therefore, PPRs may be marketed under three different forms: life insurance contract, investment fund and pension fund. In the specific case of PPRs marketed under a life insurance contract, a distinction should be made between life insurance not linked to investment funds and insurance linked to investment funds.<\/p>

Although they share a common regime, denomination and objective, the PPRs can have different characteristics, namely in terms of guaranteed returns and risk profile \"*.<\/p>

*Source ISP<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Advantages<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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A Retirement Savings Plan can be deducted in IRS with certain limits.<\/p>

The deduction allowed for PPRs is 20% of contributions, subject to the limits indicated below, and only applies to residents in Portuguese territory, not yet retired.<\/p>

  • PPR - Under 35 years old: 20% of the applied amount with a limit of \u00a3400.00 (for married and unmarried couples).<\/li>
  • PPR - From 35 to 50 years old: 20% of the applied amount with a limit of EUR 350.00 (for married and unmarried couples).<\/li>
  • PPR - Over 50 years old: 20% of the applied amount with a limit of \u00a3300.00 (for married and unmarried couples).<\/li><\/ul>

    Scales and limits:
    Investments with benefits, such as PPRs, are subject to limits that increase up to \u20ac100, depending on the income bracket. The exception to the rule are taxpayers with incomes falling into the first bracket (up to \u20ac7,000), in which 20% of the amounts invested in a PPR can be deducted up to a ceiling of \u20ac300 to \u20ac400 (according to the age of the subscriber). Taxpayers with annual income of more than \u20ac80,000 do not have access to the tax benefits associated with PPRs.<\/p>

    Note:<\/strong> tax benefits with PPR in the IRS 2022 to be delivered in 2023<\/p><\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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    Risk Profile<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    There are dozens of PPRs in Portugal, each with a different investment strategy. If you are still far from retirement age, you can opt for a PPR fund with a more aggressive profile (greater component of shares).<\/p>

    But as you get closer to retirement, you should shift savings to a fund with a neutral or defensive profile (higher bond component).\u00a0<\/p>

    If you are less than ten years away, prefer PPR insurance with guaranteed capital.<\/p><\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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    Care to be taken<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Commissions<\/i><\/span>\r\n\t\t\t\t<\/i><\/span><\/p>\r\n

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    • There are commissions for subscription, delivery, management, deposit, redemption and transfer, depending on the product.\u00a0<\/li>
    • The charging of commissions on the transfer, in whole or in part, of PPRs where there is no guaranteed capital is prohibited by law. In cases of PPRs with capital or return guarantee, the transfer commission may not exceed 0.5% of the amount to be transferred.<\/li><\/ul> <\/div>\r\n\r\n <\/div>\r\n
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      Profitability<\/i><\/span>\r\n\t\t\t\t<\/i><\/span><\/p>\r\n

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      The PPR funds do not have guaranteed capital. As a rule, PPR insurance has guaranteed capital and a minimum return.<\/p> <\/div>\r\n\r\n <\/div>\r\n

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      Rescue<\/i><\/span>\r\n\t\t\t\t<\/i><\/span><\/p>\r\n

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      You can redeem at any time. But outside the legal conditions, you will have to repay the tax benefits plus 10% a year and bear an early redemption fee.<\/p> <\/div>\r\n\r\n <\/div>\r\n <\/div> \r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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      The information contained in this website is merely indicative. The rights and obligations of the parties are defined in the Proposals, Conditions\u00a0<\/em>Special and\u00a0<\/em>General applicable terms of the respective insurance policies contracted.<\/em><\/p><\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

      Planos Poupan\u00e7a Reforma Um PPR \u00e9 um investimento financeiro vocacionado para a poupan\u00e7a de m\u00e9dio e longo prazo, tem como objetivo complementar a sua reforma. A pol\u00edtica de investimento dos fundos associada ao PPR tem em conta o princ\u00edpio da dispers\u00e3o dos riscos, a seguran\u00e7a, o rendimento e a liquidez das aplica\u00e7\u00f5es. “Os PPR s\u00e3o […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":5717,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-6185","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/pages\/6185","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/comments?post=6185"}],"version-history":[{"count":13,"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/pages\/6185\/revisions"}],"predecessor-version":[{"id":7341,"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/pages\/6185\/revisions\/7341"}],"up":[{"embeddable":true,"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/pages\/5717"}],"wp:attachment":[{"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=6185"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}