PPR Real Vida Protected Capital Series 2
Annual Rate: 2.60%*
*Gross annual rate guaranteed 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 Returns
Benefit from a guaranteed annual rate of return that grows your savings.
Single Payments
Option to subscribe with a single payment from €1,000.
Guaranteed Capital
Your investment always remains protected, ensuring you never receive less than the amount you invested.
Guaranteed Returns
Benefit from a guaranteed annual rate of return that grows your savings.
Single Payments
Option to subscribe with a single payment from €1,000.
Why choose the PPR Real Vida Protected Capital
The PPR Real Vida Protected Capital stands out for providing security in growing your savings, through the guarantee of the capital invested and a stable return.
It is a simple, transparent and tax-efficient solution, ideal for those who want to save with confidence and build a solid financial cushion 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 suited to those looking to save securely and secure a stable supplement for retirement, valuing protected capital, consistent returns and tax benefits.
Given that, in the future, your pension may represent only around 38% of your income, starting to plan today can make all the difference to your standard of living later on.
Benefits of PPR Real Vida Protected 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, guaranteeing full protection of the amount invested throughout the contract.
Tax Benefits
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
Reimbursement in exceptional situations
- Long-term unemployment of the Insured Person or a member of their household;
- Permanent incapacity for work of the Insured Person or a member of their household;
- Serious illness of the Insured Person or a member of their household.
Surrender Charges
Surrenders of the PPR (Retirement Savings Plan) outside the legally provided conditions are subject to the following charges:
- 1st annuity 2.00%
- 2nd annuity 0.25%
- Subsequent annuities 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.
Reimbursement in exceptional situations
- Long-term unemployment of the Insured Person or a member of their household;
- Permanent incapacity for work of the Insured Person or a member of their household;
- Serious illness of the Insured Person or a member of their household.
Surrender Charges
Surrenders of the PPR (Retirement Savings Plan) outside the legally provided conditions are subject to the following charges:
- 1st annuity 2.00%
- 2nd annuity 0.25%
- Subsequent annuities 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 Benefits
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 Benefits
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?
Find out at what age you will be able to retire and how long is left to reach your goal. Use our calculator to understand the impact of your contributory career and plan the future better. Calculate your estimated retirement age now.
Frequently Asked Questions
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This does not replace the reading of the pre-contractual and contractual information legally required.