Retirement​

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PPR Investment Funds Offer

Learn about our solutions, with different Investment Strategies, adjusted to the different risk profiles.

Fund Currency Maximum exposure to stocks Art. SFDR
Optimize Capital Reforma PPR/OICVM Agressivo EUR 100% Article 6 Find more​
Optimize LFO PPR/POCVM Leopardo EUR 100% Article 6 Find more​
Optimize Capital Reforma PPR/OICVM Ativo EUR 55% Article 6 Find more​
IMGA Investimento PPR/OICVM A – Fundo de Investimento Aberto de Poupança Reforma EUR 55% Article 8 Find more​
Optimize Capital Reforma PPR/OICVM Equilibrado EUR 35% Article 6 Find more​
IMGA Poupança PPR / OICVM A – Fundo de Investimento Aberto de Poupança Reforma EUR 35% Article 8 Find more​
GNB PPR/OICVM - Fundo de Investimento Mobiliário Aberto de Poupança-Reforma EUR 25% Article 6 Find more​
Optimize Capital Reforma PPR/OICVM Moderado EUR 15% Article 6 Find more​

Prepare your retirement's future

Taxation

You can have tax benefits with the subscription and the redemption or maturity.

Flexibility

You can choose between several PPR Investment Funds, adjusted to the different investor profiles.

Future

Directed to those who wish to invest on their retirement with a medium/long-term goal and risk tolerance.

Tax benefits

20% of the amounts invested on the PPR in 2024 are deductible from IRS collection, by unmarried taxpayer or by each spouse not judicially separated from people and property, with the maximum values ​​identified in the following table:

Subscriber age Investment to gain the maximum fiscal benefit* Maximum deduction from IRS collection*
Up to 35 2.000€ 400€
35 to 50 1.750€ 350€
from 50 1.500€ 300€

* Taxable person

IRS collection limits

The sum originated from IRS collections (including fiscal benefits) cannot, however, exceed per household, the limits listed on the following chart:

Inferior to 7 091 Superior to 7 091 and inferior to 80 640 Superior to 80 640
Sem limite 1 000 +
[( 2 500 - 1 000) x ((Amount of the last tier - Taxable income) / (Amount of the last tier - Amount of the first tier))]		 1 000

The amounts applied after the date of retirement or the amounts paid by a third party are not deductable, except when performed by the employers on behalf of their workers (n.º 8 of art.º 21.º of Estatuto dos Benefícios Fiscais).