What are the best retirement savings plans on the market? We help you make the right choice!

Retirement Savings Plans (PPR) remain one of the most advantageous ways to save for the future. With tax benefits, flexibility, and different levels of risk, PPRs are suited to various investor profiles—but not all products are the same.

What to consider when choosing a PPR?

Historical performance: While the past does not guarantee the future, it is a good indicator of consistency.
Type of PPR: Fund (more exposed to the market) or insurance (more conservative).
Commissions: These can significantly affect your final income.
Risk profile: There are solutions for conservative, moderate, and dynamic profiles.

PPRs of the Moment

1. Zurich PPR Future

Risk profile: Conservative
Guaranteed capital: Yes
Profitability:
- Minimum guaranteed return of 2% per year (Gross-2025)
- Possibility of additional appreciation indexed to the 12-month Euribor average
Minimum subscription amount: €1,000
Minimum monthly deliveries: €25
Recommended term: Between 5 and 20 years (minimum until the insured person reaches 60 years of age).

2. Tranquilidade

Risk profile: Conservative to moderate (level 3 on a scale of 1 to 7)
Guaranteed capital: No
Return: Varies according to the fund's performance; for example, in 2024, it recorded a return of 7.9% over a one-year period.
Minimum subscription amount: €100
Minimum monthly deliveries: €25
Recommended term: Minimum of 5 years.

3. Allianz PPR Active

Risk profile: Conservative
Guaranteed capital: Yes, upon maturity of the contract
Profitability: Interest rate applied in the first year is 2.5% gross (2.0% net)
Minimum subscription amount: €250
Minimum monthly deliveries: €25
Recommended term: Minimum of 5 years; ideal for medium/long term.

How can we help you?

Our team is available for:

Analyze your investor profile
Compare the best retirement savings plans available on the market
Assist you in transferring your current retirement savings plan (if applicable)
Maximize the tax benefits of your investment