Planos Poupança Reforma
Ninguém pode prever o futuro, mas há quem possa planeá-lo
Os Planos Poupança Reforma do Banco Carregosa permitem investir a longo prazo com gestão profissional, soluções ajustadas ao seu perfil e ainda usufruir dos benefícios fiscais associados aos PPRs.
O que é um Plano Poupança Reforma
Um Plano Poupança Reforma (PPR) é um produto financeiro de poupança a longo prazo, especificamente concebido para complementar a reforma.
Permite acumular capital de forma estruturada ao longo dos anos, beneficiando de vantagens fiscais significativas tanto na fase de investimento como no momento do resgate.
É uma das formas mais eficientes de preparar financeiramente o futuro, garantindo maior tranquilidade e independência na reforma.
Poupança
Reforce o seu património a longo prazo.
Rentabilidade
Gestão profissional dos seus investimentos.
Benefícios Fiscais
Deduções em IRS até 400€.
Fiscalidade Reduzida
Retenção na fonte de 8% nas condições previstas na lei.
Porquê investir. Vantagens do PPR
Transferência de outros PPR sem perda de benefícios.
Benefícios fiscais;
Fiscalidade reduzida no momento do resgate;
Gestão profissional e diversificada;
Flexibilidade de reforços ao longo do tempo;
A nossa oferta | Fundo Sixty Degrees
PPR/OICVM Flexível
O Fundo Sixty Degrees PPR/OICVM Flexível é um fundo de investimento aberto flexível, que combina uma gestão activa com uma estratégia de diversifcação global.
Concebido para investidores que procuram uma solução de poupança reforma com potencial de valorização a longo prazo, beneficiando de todas as vantagens fiscais do PPR.
Gestão Flexível
Estratégia de investimento adaptada às condições de mercado.
Diversificação
Carteira diversificada em múltiplas classes de ativos.
Equipa Experiente
Gestão por profissionais com décadas de experiência.
Transparência
Informação clara e relatórios detalhados.
Condições de Subscrição
- Mínimos de subscrição: 1 000€
- Mínimos reforços: 100€
- Sem comissões de subscrição, de reembolso e de custódia.
Documentação
Benefícios Fiscais | Fiscalidade
Deduções à colecta em IRS e fiscalidade reduzida no resgate
Benefícios Fiscais
* Por sujeito passivo.
Subscrever um PPR, permite-lhe deduzir ao seu IRS 20% do valor das suas entregas anuais.
Fiscalidade Reduzida no Resgate
Se resgatar o PPR dentro das condições previstas na lei pode beneficiar de uma taxa de tributação reduzida. Fora das condições previstas na lei, a tributação do PPR também é reduzida, mas não tão acentuada.
Evolução da Unidade de Participação - Categoria R (EUR)
Dados a 01-07-2026
Distribuição por Classe de Ativos
Dados a 30-06-2026
Distribuição por País
Dados a 30-06-2026
Rentabilidade
Rendibilidade desde início (02-02-2021 até 01-07-2026)
22,07%
Rendibilidade % (EUR)
01-07-2026
Fonte: dados do Fundo Fundo Sixty Degrees PPR/OICVM Flexível - Categoria R (semelhante à Categoria C), comercializada pela Sixty Degrees SGOIC, S.A.
Risco
A área sombreada da escala abaixo evidência a classificação da Categoria R do Fundo em termos do seu risco, com base no Indicador Sumário de Risco (ISR). O ISR constitui uma orientação sobre o nível de risco deste produto quando comparado com outros produtos. Mostra a probabilidade de o produto sofrer perdas financeiras, no futuro, em virtude de flutuações dos mercados.
4.7% Value-at-Risk (VaR)
Para um nível de confiança de 99%, o VaR (%) representa a perda máxima da carteira atual da Categoria I do Fundo num prazo de 30 dias.
4.53% Volatilidade anualizada
A taxa de volatilidade anualizada (%) é um indicador de risco que mede o desvio padrão dos retornos diários da Categoria I do Fundo desde a sua data de lançamento.
Notas
A presente informação diz respeito à Categoria R (semelhante à Categoria C) do fundo de investimento gerido e comercializado pela Sixty Degrees SGOIC, S.A. e não dispensa a leitura dos respetivos documentos constitutivos: Prospeto e informação fundamental destinada aos investidores (IFI) do produto estão disponíveis em www.sixty-degrees.com sem quaisquer ónus ou encargos.
Os valores referem-se a rentabilidades registadas no passado que não consideram o imposto sobre os rendimentos no resgate (líquidas de comissões de gestão e depositário), pelo que não constituem qualquer garantia de rentabilidades futuras uma vez que o valor do investimento pode aumentar ou diminuir em função do nível de risco dos fundos nesse momento. A Sixty Degrees e o Banco Carregosa advertem que, em regra, a uma maior rentabilidade está associado um maior nível de risco. A rentabilidade apenas seria obtida se o investimento fosse efetuado durante a totalidade do período de referência. O valor das unidades de participação pode aumentar ou diminuir em função da avaliação dos ativos que integram o património desses fundos, podendo implicar perda do capital investido.
Condições de resgaste
Quando é possível resgatar o PPR sem penalizações?
A partir dos 60 anos ou na reforma por velhice. (1)
Desemprego de longa duração. (2)
Incapacidade permanente para o trabalho. (2)
Doença grave. (2)
Pagamento de prestações de crédito garantido por hipoteca sobre habitação própria e permanente (exceto para amortização antecipada). (1)
Morte do participante (o resgate pode ser efetuado pelos beneficiários ou herdeiros). (2)
Notas:
(1) Desde que o PPR tenha sido subscrito há pelo menos 5 anos e que, no mínimo, 35% do total das entregas tenha sido realizado durante a primeira metade da vigência do contrato.
(2) A qualquer momento.
Segundo a legislação em vigor, o resgate fora das condições acima descritas obriga à devolução de todos os benefícios fiscais, acrescidos de 10% por cada ano decorrido.
Dúvidas | Perguntas Frequentes
What is a Pension Savings Scheme (PPR)?
A Pension Savings Scheme (PPR) is a medium- to long-term financial product designed to supplement your retirement pension. It has the potential to increase the value of your investments over time, and it provides tax advantages as set out in the law.
What types of PPRs are there?
-
PPR in the form of insurance – generally offering a guaranteed minimum capital or income (more conservative).
-
PPR in the form of an investment fund (PPR/OICVM or pension fund) – invests in financial markets and does not offer capital protection, but it may provide a higher long-term return.
What is the difference between PPR insurance and PPR funds?
-
PPR in the form of insurance is a more conservative insurance product that can offer a capital guarantee or minimum return.
-
PPR in the form of a fund is an investment product managed as a fund. It is not guaranteed to make a profit and its value depends on the performance of the financial markets.
Where do PPRs invest?
PPR funds invest in a diverse range of assets, such as bonds and shares, according to the fund’s risk profile. PPR insurance can invest in more conservative assets, according to the product’s investment policy.
Do PPRs carry risk?
Yes. The value of PPRs without a capital guarantee can fluctuate due to market volatility. Those with a guarantee tend to be less risky, but may offer lower returns.
How can I tell which PPR is best for me?
When choosing a PPR, the following must be taken into account:
• The investor’s risk profile;
• The time horizon for savings;
• The product’s costs and commissions;
• Financial objectives (supplementary pension, liquidity, etc.).
At what age is it best to take out a pension savings scheme?
Although there is no ‘ideal’ age, the earlier you start investing, the more time your money has to grow, and the greater your potential for appreciation. You will also be able to benefit from the maximum annual IRS deduction limits.
What are the benefits of investing in a PPR?
Investing in a PPR allows you to benefit from IRS tax advantages, including the possibility of deducting in IRS some of your contributions. You can also enjoy reduced taxation on gains upon redemption and rely on professional fund management. The flexibility to make regular or one-off contributions helps you develop long-term savings discipline, allowing you to prepare for retirement efficiently and safely.
What are the tax benefits of PPRs?
One of the biggest benefits of PPRs is the income tax deductions (20% of the amounts invested in PPRs are deductible from income tax), which can reach up to €400 per year, depending on the age of the subscriber:
| Subscriber's age | Investment to obtain the maximum tax benefit* | Maximum tax deduction* |
|---|---|---|
| Up to 35 years old | €2,000 | €400 |
| Between 35 and 50 years old | €1,750 | €350 |
| Over 50 years old | €1,500 | €300 |
*Per taxpayer.
This 20% tax benefit also depends on income and tax deductions. This means that the sum of tax deductions for health, education, training, health insurance, etc., cannot exceed certain overall limits set according to taxable income bracket.
| Less than €8,342 | Over €8,342 and under €80,000 | Over €80,640 |
|---|---|---|
| No limit |
€1,000 + [(€2,500 - €1,000) * [(€80,000 - taxable income) / (€80,000 - €8,342))] |
€1,000 |
Amounts paid after the date of retirement or amounts paid by third parties are not deductible, except when paid by employers on behalf of their employees (Article 21(8) of the Tax Benefits Statute).
Is it possible to make periodic transfers or top up the PPR?
Yes, most PPRs allow participants to make regular and/or one-off withdrawals, enabling them to adapt the plan according to their circumstances and savings goals.
Is redemption of the PPR possible?
Yes, you can request the redemption of your PPR at any time. However, the full tax benefits only apply if the redemption meets the legal requirements, such as reaching a certain age or being in a specific situation.
What are the conditions for redeeming the PPR without incurring tax penalties?
You can redeem a Pension Savings Scheme (PPR) without incurring tax penalties as long as it is done in one of the legally prescribed situations:
- Retirement due to the old age of the participant or their spouse, provided that the PPR is held in joint names;
- From the age of 60 of the participant of their spouse, provided that the PPR is held in joint names;
- Long-term unemployment of the participant or any other member of their household;
- Permanent incapacity for work, regardless of cause, of either the participant or any other member of the household;
- Serious illness of the participant or any member of their household;
- Payment of instalments of credit for permanent and own housing, including principal, interest, commissions, and other associated expenses. Redemption may be used for instalments that are due or will become due.
Additional conditions apply:
- In cases of retirement due to old age or at the age of 60 or over, only amounts corresponding to contributions made at least five years ago.
- In these situations, repayment of the entire PPR is only possible if at least 35% of contributions were made during the first half of the contract term.
- In cases of long-term unemployment, permanent incapacity for work or serious illness, this rule only applies to contributions made when the participant (or the relevant member of their household) was already in this situation.
If the Participant or their spouse dies, when the PPR is held in joint names:
- In the case of a PPR fund, the amount forms part of the inheritance and is passed on to the heirs in accordance with inheritance law.
- In the case of PPR insurance, payments are made to the designated beneficiaries or, if there are no beneficiaries, to the heirs.
Can I use the PPR scheme to pay for my house?
Yes, the legislation permits the use of the PPR value to pay instalments on credit agreements secured by a mortgage on a property intended as your permanent residence, provided the legal requirements regarding time and percentage of payments are met.
What tax is payable if redemption occurs outside of the legally prescribed conditions?
If a Pension Savings Scheme (PPR) is redeemed outside of the legally prescribed conditions, a specific tax regime applies. This regime is provided for by law and remains more favourable than the regime applicable to most savings and investment products.
Taxation is levied exclusively on income and benefits from reduced rates, which decrease progressively depending on how long the investment remains in the PPR.
Taxation applicable to PPR income
|
PPR seniority |
Income tax rate |
|
Less than 5 years |
21.5% |
|
Between 5 and 8 years |
17.2% |
|
More than 8 years |
8.6% |
What would happen if I redeemed early and had already enjoyed the tax benefits?
If you redeem outside of the legal conditions, you may have to return any tax benefits obtained, plus any applicable penalties, depending on the tax regime in force.
Can I transfer or change my PPR?
Yes, you can transfer a PPR to another organisation or change its type, for example from a guaranteed-capital PPR to a non-guaranteed-capital PPR, or vice versa, depending on the investor’s risk profile.
Do I have to pay to transfer my PPR?
It depends on the type of PPR:
- PPR without guaranteed capital:
The transfer is free of charge.
Under the law, it is illegal to charge transfer fees.
- PPR with guaranteed capital (PPR insurance):
A transfer commission may be charged under the terms set out in the contract, up to the legal maximum of 0.5% of the amount transferred.
Where applicable, the commission is only levied on the transferred amount and is legally capped at the established maximum.
Will I lose the tax benefits I’ve already obtained if I transfer my PPR?
No, transferring a PPR does not result in the loss of any existing tax benefits, provided the full amount is transferred to another eligible PPR.
Does transferring a PPR affect how much time counts towards the tax benefit if it is redeemed?
No, the length of time that the investment has been held remains the same. This is taken into account from the date of the original contributions, even after the investment is transferred to a new PPR.
How do I transfer my current PPR to Banco Carregosa?
If you are already a Banco Carregosa customer, the process is simple. Just contact your Account Manager or Private Banker and we will take care of the entire process.
If you are not a Banco Carregosa customer, open your account here in 5 minutes and request the transfer of your PPR.
You do not need to redeem your PPR or deal with tax issues, ensuring a simple transition with no tax impact.
