Savings, Investments & Pensions

A Private Pension (PPR) is a medium- and long-term financial product designed for anyone wishing to maintain a good standard of living during retirement. In addition to preserving the invested capital with a secured return, it provides access to highly attractive tax incentives.

Find the plan that best fits your risk profile. Unlike the majority of Life Insurance-based PPR products, pension-fund-based PPR products typically do not offer capital preservation guarantees.

A PPR is a medium- and long-term Private Pension plan that helps you build a financial top-up for your retirement. It guarantees highly advantageous tax conditions and can offer stable returns, making it a secure option to strengthen your future income.

Private Pensions (PPRs) allow you to deduct a percentage of your annual contributions from your income tax (IRS), within the legal limits applicable to the participant's age. Upon withdrawal, specific conditions allow you to benefit from a highly favourable tax treatment compared to other savings products.

Withdrawals can be made under various circumstances provided by law: retirement due to old age, long-term unemployment, critical illness, primary residence mortgage loan repayment, or after a five-year period under specific tax conditions. Each condition may have a different tax impact.

It depends on the type. Some PPRs guarantee the invested capital at the end of the contract, while others depend on the performance of the assets they invest in. Information on risk, guarantees and return is always stated in the product conditions.

No. Although designed to strengthen your retirement, the PPR can also help build medium- and long-term savings for other financial goals, benefiting from tax advantages and a disciplined investment strategy.

Savings prioritise the security and stability of the capital, while investment seeks higher returns by taking on different levels of risk. Each solution suits distinct objectives, time frames and financial profiles.

No. Some products have a guaranteed rate for a defined period, while others depend on the performance of the financial markets. It is essential to check the type of remuneration and the risk profile before taking out a product.

Most solutions allow flexible top-ups, enabling you to increase your savings whenever you wish. On the other hand, withdrawals may be subject to specific conditions, terms, or charges, depending on the chosen product type and contract rules.