{"id":1818,"date":"2025-03-31T10:11:25","date_gmt":"2025-03-31T09:11:25","guid":{"rendered":"https:\/\/segurosecidadania.pt\/?p=1818"},"modified":"2025-03-31T14:57:21","modified_gmt":"2025-03-31T13:57:21","slug":"jurisprudencia-1-3-2-2-2-2-3-3-2-2-2-2-2-2-2-2-3-2-2-2-2","status":"publish","type":"post","link":"https:\/\/segurosecidadania.pt\/?p=1818","title":{"rendered":"UNI\u00c3O DA POUPAN\u00c7A E DOS INVESTIMENTOS"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-5zcqm7-ba5918912b3ad285341fbd284ec2eb83\">\n.avia-section.av-5zcqm7-ba5918912b3ad285341fbd284ec2eb83{\nbackground-color:#ff8100;\nbackground-image:unset;\nz-index:0;\nposition:relative;\n}\n.av-curtain-footer.av-curtain-activated #main .avia-section.av-5zcqm7-ba5918912b3ad285341fbd284ec2eb83{\nz-index:0;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-5zcqm7-ba5918912b3ad285341fbd284ec2eb83 main_color avia-section-small avia-no-border-styling  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.av-special-heading.av-2s55cf-7048b189d0d08093eecd54e970819c57 .av-special-heading-tag{\nfont-size:25px;\npadding:0 0 0 0;\n}\n.av-special-heading.av-2s55cf-7048b189d0d08093eecd54e970819c57 .special-heading-inner-border{\nborder-color:rgba(0,0,0,0.01);\n}\n.av-special-heading.av-2s55cf-7048b189d0d08093eecd54e970819c57 .av-subheading{\nfont-size:20px;\n}\nbody .av-special-heading.av-2s55cf-7048b189d0d08093eecd54e970819c57 .av-special-heading-tag .heading-wrap:before{\nborder-color:rgba(0,0,0,0.01);\n}\nbody .av-special-heading.av-2s55cf-7048b189d0d08093eecd54e970819c57 .av-special-heading-tag .heading-wrap:after{\nborder-color:rgba(0,0,0,0.01);\n}\n\n@media only screen and (max-width: 479px){ \n#top .av-special-heading.av-2s55cf-7048b189d0d08093eecd54e970819c57{\nmargin:0 0 -100px 0;\n}\n#top #wrap_all .av-special-heading.av-2s55cf-7048b189d0d08093eecd54e970819c57 .av-special-heading-tag{\nfont-size:17px;\n}\n}\n\n@media only screen and (min-width: 768px) and (max-width: 989px){ \n#top .av-special-heading.av-2s55cf-7048b189d0d08093eecd54e970819c57{\nmargin:0 0 -35px 0;\n}\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top .av-special-heading.av-2s55cf-7048b189d0d08093eecd54e970819c57{\nmargin:0 0 -35px 0;\n}\n#top #wrap_all .av-special-heading.av-2s55cf-7048b189d0d08093eecd54e970819c57 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-2s55cf-7048b189d0d08093eecd54e970819c57 av-special-heading-h6 custom-color-heading blockquote modern-quote  avia-builder-el-2  avia-builder-el-no-sibling  av-inherit-size'><h6 class='av-special-heading-tag'  itemprop=\"headline\"  >Newsletter APS #08 | mar\u00e7o 2025<\/h6><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/main><!-- close content main element --><\/div><\/div><div id='after_section_1'  class='main_color av_default_container_wrap container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-1818'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-trht6-2531b05852eb1b77cb261c9b9e83c8d6 av_one_full  avia-builder-el-3  el_after_av_section  avia-builder-el-no-sibling  first flex_column_div  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-e9plz-8ffcd0ae1f2734dc492daf9defc0daa1\">\n#top .av-post-metadata-container.av-e9plz-8ffcd0ae1f2734dc492daf9defc0daa1{\nfont-size:14px;\nmargin:0 0 1px 0;\n}\n#top .av-post-metadata-container.av-e9plz-8ffcd0ae1f2734dc492daf9defc0daa1 .av-post-metadata-container-inner{\nfont-size:14px;\n}\n<\/style>\n<div  class='av-post-metadata-container av-e9plz-8ffcd0ae1f2734dc492daf9defc0daa1 av-metadata-container-align-left  avia-builder-el-4  el_before_av_heading  avia-builder-el-first  av-metadata-container-1'><div class='av-post-metadata-container-inner'><span class=\"av-post-metadata-content av-post-metadata-meta-content\"><span class=\"av-post-metadata-content av-post-metadata-category\"><span class=\"av-post-metadata-category-link\" ><a href=\"https:\/\/segurosecidadania.pt\/?cat=18\" >Europa<\/a><\/span><\/span><\/span><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1b9wa-f2ac25a823b072bb7cdc8eb61ce83398\">\n#top .av-special-heading.av-1b9wa-f2ac25a823b072bb7cdc8eb61ce83398{\nmargin:0 0 0 0;\npadding-bottom:0;\nfont-size:30px;\n}\nbody .av-special-heading.av-1b9wa-f2ac25a823b072bb7cdc8eb61ce83398 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-1b9wa-f2ac25a823b072bb7cdc8eb61ce83398 .av-special-heading-tag{\nfont-size:30px;\npadding:0 0 20px 0;\n}\n.av-special-heading.av-1b9wa-f2ac25a823b072bb7cdc8eb61ce83398 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-1b9wa-f2ac25a823b072bb7cdc8eb61ce83398 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-1b9wa-f2ac25a823b072bb7cdc8eb61ce83398 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-1b9wa-f2ac25a823b072bb7cdc8eb61ce83398 av-special-heading-h1 blockquote modern-quote  avia-builder-el-5  el_after_av_post_metadata  el_before_av_textblock  av-inherit-size'><h1 class='av-special-heading-tag'  itemprop=\"headline\"  >UNI\u00c3O DA POUPAN\u00c7A E DOS INVESTIMENTOS<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-lpcvxr49-658fa9932d29cf43ab3d722201b819e3 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><div><\/div>\n<div><\/div>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-1820\" src=\"https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/03\/poupanca.jpg\" alt=\"\" width=\"2000\" height=\"800\" srcset=\"https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/03\/poupanca.jpg 2000w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/03\/poupanca-300x120.jpg 300w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/03\/poupanca-1030x412.jpg 1030w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/03\/poupanca-768x307.jpg 768w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/03\/poupanca-1536x614.jpg 1536w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/03\/poupanca-1500x600.jpg 1500w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/03\/poupanca-705x282.jpg 705w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\" \/><\/p>\n<div><\/div>\n<\/div><\/section><br \/>\n<section  class='av_textblock_section av-2zmrk8-5934f042f7e73a64d8b3b9457abb5c0d '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><div><\/div>\n<div>\n<p><strong>\u00a0<\/strong><\/p>\n<p>A Uni\u00e3o da Poupan\u00e7a e dos Investimentos (Savings and Investments Union \u2013 SIU) \u00e9 uma iniciativa da Comiss\u00e3o Europeia (CE) que visa fortalecer a economia da Uni\u00e3o Europeia (UE), incentivando uma maior participa\u00e7\u00e3o dos cidad\u00e3os nos mercados financeiros e facilitando o financiamento das empresas. Esta proposta, apresentada em 19 de mar\u00e7o de 2025, visa potenciar a competitividade da economia europeia, centrando-se em proporcionar rendimentos mais atrativos para os dep\u00f3sitos dos cidad\u00e3os e em ampliar as fontes de financiamento para as empresas, ligando as poupan\u00e7as ao investimento mais produtivo, principalmente em \u00e1reas priorit\u00e1rias para a UE como a inova\u00e7\u00e3o, a descarboniza\u00e7\u00e3o, as tecnologias digitais e a defesa. Nos pr\u00f3ximos cinco anos de mandato do executivo comunit\u00e1rio, esta ser\u00e1 uma das principais pastas da comiss\u00e1ria portuguesa, Maria Lu\u00eds Albuquerque.<\/p>\n<p>A proposta SIU da CE abrange quatro vertentes de trabalho:<\/p>\n<ul>\n<li>Cidad\u00e3os e poupan\u00e7a<\/li>\n<li>Investimento e financiamento<\/li>\n<li>Integra\u00e7\u00e3o e calibra\u00e7\u00e3o<\/li>\n<li>Supervis\u00e3o eficiente no Mercado \u00danico<\/li>\n<\/ul>\n<p>O setor segurador desempenha um papel essencial na mobiliza\u00e7\u00e3o de poupan\u00e7as e no financiamento da economia, contribuindo para os objetivos da estrat\u00e9gia da SIU. Neste sentido, o Insurance Europe, na sua resposta \u00e0 consulta p\u00fablica lan\u00e7ada pela Comiss\u00e3o Europeia quanto \u00e0 cria\u00e7\u00e3o da SIU, prop\u00f4s algumas a\u00e7\u00f5es para alinhar o setor segurador com os objetivos da Uni\u00e3o da Poupan\u00e7a e Investimento. Entre as medidas sugeridas destacam-se:<\/p>\n<ul>\n<li>Garantir que a <strong>Estrat\u00e9gia de Investimento no Retalho (RIS)<\/strong> facilite o acesso a produtos de investimento, reduzindo burocracia e preservando a flexibilidade das seguradoras na defini\u00e7\u00e3o de pre\u00e7os e produtos.<\/li>\n<li>Avaliar por que motivo o <strong>PEPP<\/strong> n\u00e3o funcionou, identificando e eliminando barreiras atrav\u00e9s de simplifica\u00e7\u00e3o e melhorias significativas.<\/li>\n<li>Criar ou fortalecer <strong>incentivos fiscais<\/strong>, essenciais para incentivar a poupan\u00e7a para a reforma.<\/li>\n<li>Promover a<strong> inscri\u00e7\u00e3o autom\u00e1tica em regimes de pens\u00f5es<\/strong> com base em experi\u00eancias positivas de outros pa\u00edses.<\/li>\n<li>Partilhar boas pr\u00e1ticas e avaliar a cria\u00e7\u00e3o de um <strong>r\u00f3tulo europeu para produtos de poupan\u00e7a<\/strong>, garantindo diversidade e inova\u00e7\u00e3o no setor.<\/li>\n<\/ul>\n<p>Adicionalmente, o IE destaca ainda a import\u00e2ncia das seguradoras como investidores institucionais e sugere medidas para facilitar o investimento no \u00e2mbito da SIU, tais como:<\/p>\n<ul>\n<li>Ajustes na revis\u00e3o do regime de Solv\u00eancia II, garantindo um tratamento adequado dos investimentos de longo prazo.<\/li>\n<li>Adapta\u00e7\u00e3o dos requisitos de capital e <em>due diligence<\/em> no \u00e2mbito da Solv\u00eancia II de forma a incentivar investimentos sustent\u00e1veis e em titulariza\u00e7\u00f5es.<\/li>\n<li>Revis\u00e3o das normas internacionais de relato financeiro (IFRS) para eliminar desincentivos aos investimentos em capital pr\u00f3prio e em capital de risco.<\/li>\n<\/ul>\n<p>No que diz respeito ao calend\u00e1rio de implementa\u00e7\u00e3o, as medidas mais urgentes ser\u00e3o priorizadas em 2025, com foco na competitividade da economia europeia. Posteriormente, no segundo trimestre de 2027, a Comiss\u00e3o Europeia dar\u00e1 nota do progresso desta estrat\u00e9gia.<\/p>\n<\/div>\n<\/div><\/section><\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>A Uni\u00e3o da Poupan\u00e7a e dos Investimentos (Savings and Investments Union \u2013 SIU) \u00e9 uma iniciativa da Comiss\u00e3o Europeia (CE) que visa fortalecer a economia da Uni\u00e3o Europeia (UE), incentivando uma maior participa\u00e7\u00e3o dos cidad\u00e3os nos mercados financeiros e facilitando o financiamento das empresas.<\/p>\n","protected":false},"author":1,"featured_media":1820,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"quote","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-1818","post","type-post","status-publish","format-quote","has-post-thumbnail","hentry","category-europa","post_format-post-format-quote"],"_links":{"self":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/1818","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1818"}],"version-history":[{"count":1,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/1818\/revisions"}],"predecessor-version":[{"id":1821,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/1818\/revisions\/1821"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/media\/1820"}],"wp:attachment":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1818"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1818"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1818"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}