Retirement Plans
Start today preparing your future!
What is a Retirement Plan?
Retirement Savings Plans are medium or long-term investments that can finance different objectives, while maintaining the flexibility to withdraw the capital at any time. They also allow to deal with unforeseen challenges, such as serious illness or long-term unemployment. A retirement plan can also be subscribed in segregated sub-accounts for various leisure purposes such as travel, car purchase and education, benefiting from the lower tax rates on capital gains.
Annual Tax Benefit
By investing in a Retirement plan, you can benefit from an annual tax reduction and deduct 20% on your personal income tax (IRS).
| Age | Investment | Deduction earned |
|---|---|---|
| Below 35 | 2 000€ | 400€ |
| 35 to 50 | 1 750€ | 350€ |
| More than 50 (not retired) | 1 500€ | 300€ |
You may invest an amount higher or lower than the amounts mentioned, benefiting proportionally, up to the maximum applicable to your age as of January 1st of the year to which the IRS tax return refers.
Taxation
Retirement plan taxes in Portugal are very favorable due tolow capital gains tax.
| Investment period | Up to 5 years | 5 to 8 years | More than 8 years |
|---|---|---|---|
| Not compliant with law requirements | 21,5% | 17,2% | 8,6% |
| Compliant with law requirements | 8,0% | 8,0% | 8,0% |
Conditions in the Law:
- Retirement, over 60 years old, education expenses and payment of mortgage and over 5 years of investment duration;
- Serious illness, death, long-term unemployment and permanent incapacity for work.
Why Invest with Optimize?
Availability
Access to a dedicated team, always ready to support you and respond to all your questions.
Credibility
Funds managed by a professional team with a recognized track record of awards and distinctions.
Range of Options
Investment solutions designed for different risk profiles, from the most conservative to the most dynamic.
Performance
Funds with consistent results, frequently ranking among the most profitable in the market.
Retirement Plans Optimize
Find a solution tailored to your goals and investor profile.
PPR Agressivo
Returns*
Since inception
5,2%
(annualized)
2024
11,2%
Risk level:
5
Max. stocks:
100%
PPR Ativo
Returns*
Since inception
3,9%
(annualized)
2024
9,1%
Risk level:
4
Max. stocks:
55%
PPR Equilibrado
Returns*
Since inception
3,1%
(annualized)
2024
8,2%
Risk level:
4
Max. stocks:
35%
PPR Moderado
Returns*
Since inception
3,0%
(annualized)
2024
8,0%
Risk level:
4
Max. stocks:
15%
*Disclaimers
Returns
Past performance is not necessarily a guide to future performance. The value of the shares can increase or decrease depending on the risk level that varies between 1 (minimum risk) and 7 (maximum risk). The fund’s Prospectus and the Sub-funds KIIDs are available on the commercializing entities. The returns mentioned are net of management and deposit fees, audit costs and supervisory fee. The figures disclosed imply the taxation borne by the collective investment undertaking and the eventual payment of capital gains tax are investors responsibility. Investing in the collective investment undertaking may result in the loss of invested capital. The disclosed annualized performance measures, calculated based on a period exceeding one year, would only be obtained if the investment was made during the entire reference period. Data last updated on 2025-09-30.