PPR - Long-Term Savings
Long-term savings with tax advantages
The Retirement Savings Plan (PPR) is a financial instrument created to encourage medium and long-term savings, serving as a complement to retirement while benefiting from an attractive tax regime.
When structured as an investment fund, the PPR is regulated by the CMVM, allowing investors to benefit from professional management policies and asset diversification tailored to their profile and objectives. Unlike capital-guaranteed solutions, PPR funds offer greater potential for appreciation over time, while maintaining the discipline and consistency required to accumulate wealth efficiently.
Benefits for individual investors
- Personal Income Tax (IRS) deduction: possibility to deduct up to 20% of the invested amount, with annual limits defined according to the subscriber’s age;
- Reduced taxation: lower tax rate on capital gains when redemption complies with the legally established conditions;
- Flexibility: possibility of making regular or occasional contributions, adjusting the plan to financial availability;
- Structured planning: disciplined capital accumulation, oriented towards medium- and long-term objectives.
A solution for companies as well
The PPR can also be integrated as a corporate benefit, strengthening talent attraction and retention. By subscribing to a PPR for their employees, companies:
- Invest in the well-being and financial security of their teams;
- Can incorporate the benefit into flexible compensation policies;
- Encourage savings habits and long-term financial planning.
Our Offering
BlueCrow offers an investment fund eligible for PPR - the BlueCrow Global Opportunities PPR - structured to provide a competitive, transparent solution fully aligned with regulatory requirements.
