Investing
Savings and Investing
Retirement Plan
A Personal Retirement Savings Plan (PPR) is a long-term savings and investment solution designed to help you build your financial future through regular, disciplined investing. In addition to the potential for capital growth, you may also benefit from tax advantages, subject to the applicable legislation.
MEDAL offers a range of Personal Retirement Savings Plans tailored to each member’s risk profile, investment horizon, and financial objectives. Our experienced advisers provide personalised guidance to help you select the solution best suited to your individual needs.
Main Benefits
Retirement planning tailored to your goals
Personalised strategies for long-term financial security
Solutions adapted to different life stages
Clear guidance on pension and savings options
Specialist service for expatriates
Franchises réduites pour les soins ambulatoires
(consultations, traitements et examens)
Découvrez notre gamme de polices d'assurance voyage
Police Annuelle
Il s’agit d’une police annuelle pour deux personnes, avec l’avantage que les capitaux assurés s’appliquent individuellement à chaque personne assurée.
| Garanties / Limites | Silver | Gold |
|---|---|---|
| Political Evacuation | 10.000€ | 10.000€ |
| Fees for expert advice in Kidnapping | 125.000€ | 125.000€ |
| Kidnapp, Ramson & Illegal Detention | 400€ day (max. 20.000,00€) | 400€ day (max. 20.000,00€) |
| Legal Costs | 15.000€ | 15.000€ |
| Third Party Liability | 5.000.000€ | 5.000.000€ |
| Delay | 37,50€ / hour (max. 225€) | 37,50€ / hour (max. 225€) |
| Trip Cancellation and Curtailment | 5.000€ | 5.000€ |
| Luggage Delay (deductible:4hours) | 750€ | 750€ |
| Loss, Theft or stealth of luggage | 3.000€ | 3.000€ |
| Funeral Expenses | 7.500€ | 7.500€ |
| Search & Rescue | 15.000€ | 15.000€ |
| Medical Expenses Abroad Accident | 1.000.000€ | 1.000.000€ |
| Medical Expenses Abroad Sudden Illness | 10.000€ | 25.000€ |
| Accidental Death Or Permanent Disablement | 100.000€ | 250.000€ |
| Actions |
Police d'Assurance Temporaire
Nous proposons également un régime spécial avec quatre options, vous permettant de choisir la couverture la mieux adaptée à vos besoins de voyage. Cette police temporaire vous permet de couvrir votre voyage pour des périodes de 5, 10, 15, 30, 60 ou 90 jours.
| Garanties / Limites | Base | Extra | Plus | Premium |
|---|---|---|---|---|
| Third Party Liability | 25.000€ | 50.000€ | 150.000€ | 300.000€ |
| Luggage | 500€ | 1.000€ | 1.500€ | 2.000€ |
| Funeral Expenses | 500€ | 1.000€ | 1.500€ | 2.000€ |
| Medical Expenses | 2.500€ | 5.000€ | 15.000€ | 30.000€ |
| Death Or Permanent Disablement | 25.000.000€ | 50.000.000€ | 150.000.000€ | 300.000.000€ |
| Travel Assistence | Nível 1 | Nível 2 | Nível 3 | Nível 3 |
| Actions |
- Inclus
- Non Inclus
FAQs - Retirement Plan
A Personal Retirement Savings Plan (PPR) is a medium to long-term savings and investment product designed to supplement your retirement income. It may also provide valuable tax advantages under Portuguese legislation, subject to
your individual tax circumstances.
Tax relief on contributions
If you are a Portuguese tax resident, you may be entitled to an annual personal income tax (IRS) deduction equal to 20% of your contributions, up to the following limits:
Up to age 35: maximum tax deduction of €400 with annual contributions of €2,000.
Between ages 35 and 50: maximum tax deduction of €350 with annual contributions of €1,750.
Over age 50 until retirement: maximum tax deduction of €300 with annual contributions of €1,500.
Taxation on withdrawals
A PPR may be withdrawn without losing the tax benefits in certain situations provided by Portuguese law, including:
Retirement or from the age of 60.
Long-term unemployment of the policyholder or a member of their household.
Permanent disability or critical illness of the policyholder or a member of their household.
Payment of instalments on a mortgage for the policyholder’s main and permanent residence, where legally permitted.
In the event of the policyholder’s death, the accumulated value is paid to the designated beneficiaries or legal heirs.
Tax on investment gains
The taxation of investment gains depends on the type of product:
Capitalisation Insurance Policies
Withdrawals within the first 5 years: 28% tax on investment gains.
Withdrawals between 5 and 8 years: 22.4% tax on investment gains.
Withdrawals after 8 years: 11.2% tax on investment gains.
PPR
Where a withdrawal qualifies under the conditions established by Portuguese law, investment gains are generally taxed at a favourable rate of 8%.
Yes. However, the conditions depend on the reason for the withdrawal. Portuguese law allows penalty-free withdrawals in certain circumstances, including:
Retirement.
Long-term unemployment.
Permanent disability.
Critical illness.
Payment of mortgage instalments on your main and permanent residence, where legally permitted.
You may be required to repay any tax benefits previously received, together with any applicable interest or penalties in accordance with Portuguese tax legislation.
PPR Insurance Policy
Usually provides capital protection.
Generally offers a more conservative investment approach.
Suitable for investors with a lower risk tolerance.
PPR Investment Fund
Does not guarantee your capital.
Offers greater long-term growth potential.
Suitable for investors seeking higher returns and who are comfortable with investment risk.
Investing
MEDAL offers a range of investment solutions designed to meet the diverse financial objectives of its members, whether the aim is to grow wealth, generate income, or plan for future goals.
Working in partnership with leading insurers, we provide investment solutions tailored to each investor’s risk profile, financial objectives, and investment horizon. Our experienced advisers offer personalised guidance and ongoing support, helping you make informed decisions that align with your long-term financial goals.
Main Benefits
Investment solutions tailored to your goals
Diversified options for different risk profiles
Long-term financial planning
Clear and transparent guidance
Specialist service for expatriates
Franchises réduites pour les soins ambulatoires
(consultations, traitements et examens)
FAQs - Investing
Investing allows you to grow your wealth over time and work towards important financial goals, such as retirement, funding your children’s education, or building a financial reserve for the future.
Depending on the solution you choose, you can start investing with relatively modest amounts and make additional contributions over time as your financial circumstances allow.
Saving involves setting money aside with low risk and easy access to your funds. Investing means allocating your money to assets with the potential for higher returns, while accepting a certain level of investment risk.
Yes. Every investment carries some degree of risk. Generally, the greater the potential return, the higher the level of risk involved.
The right investment depends on your financial objectives, investment time horizon, previous investment experience, and attitude towards risk.
Withdrawal conditions vary depending on the product. Some investment solutions provide access to your capital at any time, while others are designed to encourage long-term investing.
This depends on the product selected. Some investment solutions offer capital protection, while others are linked to financial markets and their value may rise or fall over time.
Yes. Many investment solutions allow you to make one-off additional contributions or set up regular investment plans.
Your insurer will provide regular statements and online tools, allowing you to track the value and composition of your investment portfolio.
A personalised financial assessment helps identify the investment solutions most appropriate for your objectives, financial circumstances, and risk profile, enabling you to make informed decisions with greater confidence.
Add to your base plan:
- Non-respect du Contrat – Si une échéance de projet n’est pas respectée en raison de la maladie ou du départ d’un membre clé de l’équipe, entraînant une perte financière pour le client, cette police offre une couverture et protège contre ce type de situation.
- Erreurs Professionnelles, Omissions et Négligence – Si le travail fourni ne répond pas aux attentes du client, notre police garantit une protection financière.
Assurez-vous que votre entreprise reste protégée contre les réclamations inattendues et les risques financiers. Contactez-nous dès aujourd’hui pour obtenir un devis personnalisé.
Remplissez dès aujourd’hui le formulaire de contact ou prenez rendez-vous afin de personnaliser une police selon vos besoins.
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