PPR Real Vida Guaranteed Capital Series 2
Annual Rate: 2.60%*
*Guaranteed gross annual rate during the first year.
A PPR designed for you
Guaranteed Capital
Your investment always remains protected, ensuring you never receive less than the amount you invested.
Guaranteed Return
Benefit from a guaranteed annual rate of return that grows your savings.
Single Lump-Sum Payments
Flexible subscription options available via a single lump-sum contribution starting from €1,000.
Guaranteed Capital
Your investment always remains protected, ensuring you never receive less than the amount you invested.
Guaranteed Return
Benefit from a guaranteed annual rate of return that grows your savings.
Single Lump-Sum Payments
Flexible subscription options available via a single lump-sum contribution starting from €1,000.
Why choose PPR Real Vida Guaranteed Capital
The PPR Real Vida Guaranteed Capital stands out by providing complete security in growing your savings, through a capital preservation guarantee and a stable interest rate yield.
It is a simple, transparent, and tax-efficient solution, ideal for anyone looking to save with confidence and build a solid top-up for the future.
It can also be taken out with an investment focus by people aged 55 or over, who benefit from more favourable taxation on capital gains, making it an even more efficient option at this stage of life.
Who is it for?
This plan is suitable for those seeking to save securely and guarantee a stable top-up for retirement, valuing capital protection, consistent yields, and tax incentives.
Considering that, in the future, your pension may represent only about 38% of your income, starting to plan today can make a difference to your lifestyle later on.
Benefits of PPR Real Vida Guaranteed Capital
A solution with capital and returns guaranteed at the end of the contract, combined with tax benefits that boost the efficiency of your savings.
Guaranteed Return
Annual rate of 2.60% (gross nominal annual rate) in the first year, offering stable and predictable growth of the invested capital.
Guaranteed Capital and Rate
The ideal solution for conservative profiles, ensuring the absolute preservation of your invested principal throughout the contract term.
Tax Incentives
Tax advantages applicable to Individual Clients and Companies, in accordance with the legal regime in force for PPR.
Flexible Surrender
No early surrender fees after the 2nd policy year (apart from the situations provided for by law).
Secure Savings
A product designed to deliver reliable growth, with professional management and a favourable tax framework.
Family Protection
In the event of death, the remaining capital of the policy is paid to the designated beneficiaries or, in their absence, to the legal heirs.
Refund Policy
Statutory Early Penalty-Free Withdrawals
- Long-term unemployment affecting the Insured Person or members of their household
- Permanent disability to work affecting the Insured Person or members of their household;
- Critical illness affecting the Insured Person or members of their household;
Surrender Charges
Policy withdrawals outside of legally permitted statutory conditions are subject to the following exit fees:
- Year 1: 2.00%
- Year 2: 0.25%
- Subsequent years: 0.00%.
Partial Surrender
- The minimum amount for each partial surrender is €250.00.
- Following a partial surrender, the accumulated savings may not be less than €250.00.
Statutory Early Penalty-Free Withdrawals
- Long-term unemployment affecting the Insured Person or members of their household
- Permanent disability to work affecting the Insured Person or members of their household;
- Critical illness affecting the Insured Person or members of their household;
Surrender Charges
Policy withdrawals outside of legally permitted statutory conditions are subject to the following exit fees:
- Year 1: 2.00%
- Year 2: 0.25%
- Subsequent years: 0.00%.
Partial Surrender
- The minimum amount for each partial surrender is €250.00.
- Following a partial surrender, the accumulated savings may not be less than €250.00.
TAX REGIME
Tax Incentives
For Individual Clients with tax residence in Portugal, a deduction from the IRS tax due of 20% of the capital invested, up to a maximum of €400.
- Up to 35 years old: 20% deduction, up to €400 (payment of €2,000)
- 35–50 years old: 20% deduction, up to €350 (payment of €1,750)
- Over 50 years old: 20% deduction, up to €300 (payment of €1,500)
Exception: Amounts invested by taxpayers after the date of retirement are not deductible from the IRS tax due.
Tax Regime for Repayment outside the established conditions
PPR income received in the form of capital is taxed under personal income tax (IRS) at an effective rate of 8% (for residents of the Autonomous Region of the Azores, these rates are reduced by 20%), provided the applicable legal requirements are met.
Outside these situations, the following effective tax rate will apply:
- Up to 5 years: 21.5% IRS;
- Between 5 and 8 years: 17.2% IRS;
- More than 8 years: 8.6% IRS.
These benefits apply to individuals with tax residence in mainland Portugal or the Autonomous Regions, under the terms and within the limits established in the Tax Benefits Statute (EBF) and the Personal Income Tax Code (CIRS)
Tax Regime for Companies
Under Article 23 of the Corporate Income Tax Code (IRC), the amounts borne by the company are treated as tax-deductible costs without limit, provided they are treated as employment income for employees (Article 2 of the CIRS) and constitute acquired and individualised rights.
With regard to the Single Social Tax (TSU), the amounts paid are not subject to Social Security contributions.
Tax Incentives
For Individual Clients with tax residence in Portugal, a deduction from the IRS tax due of 20% of the capital invested, up to a maximum of €400.
- Up to 35 years old: 20% deduction, up to €400 (payment of €2,000)
- 35–50 years old: 20% deduction, up to €350 (payment of €1,750)
- Over 50 years old: 20% deduction, up to €300 (payment of €1,500)
Exception: Amounts invested by taxpayers after the date of retirement are not deductible from the IRS tax due.
Tax Regime for Repayment outside the established conditions
PPR income received in the form of capital is taxed under personal income tax (IRS) at an effective rate of 8% (for residents of the Autonomous Region of the Azores, these rates are reduced by 20%), provided the applicable legal requirements are met.
Outside these situations, the following effective tax rate will apply:
- Up to 5 years: 21.5% IRS;
- Between 5 and 8 years: 17.2% IRS;
- More than 8 years: 8.6% IRS.
These benefits apply to individuals with tax residence in mainland Portugal or the Autonomous Regions, under the terms and within the limits established in the Tax Benefits Statute (EBF) and the Personal Income Tax Code (CIRS)
Tax Regime for Companies
Under Article 23 of the Corporate Income Tax Code (IRC), the amounts borne by the company are treated as tax-deductible costs without limit, provided they are treated as employment income for employees (Article 2 of the CIRS) and constitute acquired and individualised rights.
With regard to the Single Social Tax (TSU), the amounts paid are not subject to Social Security contributions.
Want to know your retirement date?
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Frequently Asked Questions
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This information does not dispense with reading the legally required pre-contractual and contractual documents.