{"id":2157,"date":"2025-09-29T11:15:42","date_gmt":"2025-09-29T10:15:42","guid":{"rendered":"https:\/\/segurosecidadania.pt\/?p=2157"},"modified":"2025-09-30T12:13:57","modified_gmt":"2025-09-30T11:13:57","slug":"jurisprudencia-1-3-2-2-2-2-3-3-2-2-2-2-2-2-2-2-3-2-2-3-2-3-3-3-2-2","status":"publish","type":"post","link":"https:\/\/segurosecidadania.pt\/?p=2157","title":{"rendered":"CONSULTA ESPEC\u00cdFICA DA COMISS\u00c3O EUROPEIA SOBRE PENS\u00d5ES COMPLEMENTARES DE REFORMA \u2013 PARTICIPAR E CONTRIBUIR PARA O FUTURO DAS REFORMAS NA EUROPA"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-4lhh8s-2753b29fdf85e37c21c334c3cf3dac51\">\n.avia-section.av-4lhh8s-2753b29fdf85e37c21c334c3cf3dac51{\nbackground-color:#2c5778;\nbackground-image:unset;\nz-index:0;\nposition:relative;\n}\n.av-curtain-footer.av-curtain-activated #main .avia-section.av-4lhh8s-2753b29fdf85e37c21c334c3cf3dac51{\nz-index:0;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-4lhh8s-2753b29fdf85e37c21c334c3cf3dac51 main_color avia-section-small avia-no-border-styling  avia-builder-el-0  el_before_av_one_full  avia-builder-el-first  avia-bg-style-fixed av-custom-positioned container_wrap fullsize'  ><div class='container av-section-cont-open' ><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-2157'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-2is7z0-546b0cc0f26ae16ad42d9a3ae462d7ef av_one_full  avia-builder-el-1  avia-builder-el-no-sibling  first av-break-at-tablet flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mg5624k1-17066cd04545d59f4157393b94fc4bbd\">\n#top .av-special-heading.av-mg5624k1-17066cd04545d59f4157393b94fc4bbd{\nmargin:0 0 0 0;\npadding-bottom:0;\ncolor:#ffffff;\nfont-size:25px;\n}\nbody .av-special-heading.av-mg5624k1-17066cd04545d59f4157393b94fc4bbd .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-mg5624k1-17066cd04545d59f4157393b94fc4bbd .av-special-heading-tag{\nfont-size:25px;\npadding:0 0 0 0;\n}\n.av-special-heading.av-mg5624k1-17066cd04545d59f4157393b94fc4bbd .special-heading-inner-border{\nborder-color:rgba(0,0,0,0.01);\n}\n.av-special-heading.av-mg5624k1-17066cd04545d59f4157393b94fc4bbd .av-subheading{\nfont-size:20px;\n}\nbody .av-special-heading.av-mg5624k1-17066cd04545d59f4157393b94fc4bbd .av-special-heading-tag .heading-wrap:before{\nborder-color:rgba(0,0,0,0.01);\n}\nbody .av-special-heading.av-mg5624k1-17066cd04545d59f4157393b94fc4bbd .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-mg5624k1-17066cd04545d59f4157393b94fc4bbd{\nmargin:0 0 -100px 0;\n}\n#top #wrap_all .av-special-heading.av-mg5624k1-17066cd04545d59f4157393b94fc4bbd .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-mg5624k1-17066cd04545d59f4157393b94fc4bbd{\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-mg5624k1-17066cd04545d59f4157393b94fc4bbd{\nmargin:0 0 -35px 0;\n}\n#top #wrap_all .av-special-heading.av-mg5624k1-17066cd04545d59f4157393b94fc4bbd .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-mg5624k1-17066cd04545d59f4157393b94fc4bbd 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 #11 | setembro 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-2157'><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-0ae41b0cf61e3d40c3b0276c8ad97758\">\n#top .av-special-heading.av-1b9wa-0ae41b0cf61e3d40c3b0276c8ad97758{\nmargin:0 0 0 0;\npadding-bottom:0;\nfont-size:30px;\n}\nbody .av-special-heading.av-1b9wa-0ae41b0cf61e3d40c3b0276c8ad97758 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-1b9wa-0ae41b0cf61e3d40c3b0276c8ad97758 .av-special-heading-tag{\nfont-size:30px;\npadding:0 0 20px 0;\n}\n.av-special-heading.av-1b9wa-0ae41b0cf61e3d40c3b0276c8ad97758 .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-0ae41b0cf61e3d40c3b0276c8ad97758 .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-0ae41b0cf61e3d40c3b0276c8ad97758 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-1b9wa-0ae41b0cf61e3d40c3b0276c8ad97758 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\"  >CONSULTA ESPEC\u00cdFICA DA COMISS\u00c3O EUROPEIA SOBRE PENS\u00d5ES COMPLEMENTARES DE REFORMA \u2013 PARTICIPAR E CONTRIBUIR PARA O FUTURO DAS REFORMAS NA EUROPA<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-mg6bv2mw-a0bfe8438e4c875d8fb6642259331e67 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-1644\" src=\"https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/11\/parlamento-EU.jpg\" alt=\"\" width=\"2000\" height=\"800\" srcset=\"https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/11\/parlamento-EU.jpg 2000w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/11\/parlamento-EU-300x120.jpg 300w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/11\/parlamento-EU-1030x412.jpg 1030w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/11\/parlamento-EU-768x307.jpg 768w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/11\/parlamento-EU-1536x614.jpg 1536w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/11\/parlamento-EU-1500x600.jpg 1500w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/11\/parlamento-EU-705x282.jpg 705w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\" \/>No passado dia 13 de junho, a Comiss\u00e3o Europeia lan\u00e7ou uma\u00a0consulta p\u00fablica espec\u00edfica sobre pens\u00f5es complementares de reforma, integrada numa estrat\u00e9gia mais ampla de promo\u00e7\u00e3o da poupan\u00e7a para a reforma.<\/p>\n<p style=\"font-weight: 400;\">Esta iniciativa pretende recolher\u00a0boas pr\u00e1ticas e ideias inovadoras\u00a0que possam refor\u00e7ar os regimes complementares de pens\u00f5es em toda a Uni\u00e3o Europeia (UE), contribuindo para os objetivos da\u00a0 Uni\u00e3o da Poupan\u00e7a e dos Investimentos (<em>Savings and Investments Union<\/em> \u2013 SIU) e para apoiar as medidas pol\u00edticas da Comiss\u00e3o para alcan\u00e7ar os objetivos da Estrat\u00e9gia da Uni\u00e3o dos Mercados de Capitais, assim como responder \u00e0s recomenda\u00e7\u00f5es do Tribunal de Contas Europeu, expressas no relat\u00f3rio especial recentemente publicado sobre o desenvolvimento das pens\u00f5es complementares na EU.<\/p>\n<p style=\"font-weight: 400;\">Apesar da diversidade dos sistemas nacionais de pens\u00f5es, a Comiss\u00e3o considera que\u00a0recomenda\u00e7\u00f5es espec\u00edficas aos Estados-Membros\u00a0s\u00e3o fundamentais para promover melhorias neste dom\u00ednio. Em paralelo, admite a necessidade de\u00a0ajustes ao quadro regulamentar europeu, nomeadamente no Regulamento do Produto Individual de Reforma Pan-Europeu (PEPP), de forma a garantir produtos de poupan\u00e7a para a reforma sustent\u00e1veis e adequados ao longo da vida ativa dos cidad\u00e3os europeus.<\/p>\n<p style=\"font-weight: 400;\">Face a este apelo, a APS participou na consulta (que decorreu at\u00e9 final de agosto), apresentando o contributo do setor segurador portugu\u00eas e refletindo a realidade do nosso pa\u00eds.<\/p>\n<p style=\"font-weight: 400;\">A consulta consistiu num extenso question\u00e1rio, dividido em cinco \u00e1reas:<\/p>\n<ul>\n<li>Sistemas de monitoriza\u00e7\u00e3o de pens\u00f5es e <em>dashboards<\/em> \u2013 melhoria da transpar\u00eancia e do envolvimento dos benefici\u00e1rios;<\/li>\n<li>Mecanismos de <em>Auto-enrolment<\/em> \u2013 identifica\u00e7\u00e3o das melhores pr\u00e1ticas para aumentar a ades\u00e3o regimes complementares;<\/li>\n<li>Revis\u00e3o do Regulamento PEPP \u2013 supera\u00e7\u00e3o de obst\u00e1culos \u00e0 ades\u00e3o ao Produto Pan-Europeu de Pens\u00f5es Individuais<\/li>\n<li>Revis\u00e3o da Diretiva IORP II \u2013 eventuais altera\u00e7\u00f5es direcionadas \u00e0 Diretiva (UE) 2016\/2341 sobre a supervis\u00e3o da constitui\u00e7\u00e3o de pens\u00f5es a n\u00edvel profissional;<\/li>\n<li>Princ\u00edpio do investidor prudente \u2013 cria\u00e7\u00e3o de condi\u00e7\u00f5es para o investimento a longo prazo dos fundos de pens\u00f5es na inova\u00e7\u00e3o e na economia.<\/li>\n<\/ul>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\">No seu contributo, a APS destacou:<\/p>\n<ul style=\"font-weight: 400;\">\n<li>A import\u00e2ncia de criar em Portugal um sistema de monitoriza\u00e7\u00e3o de pens\u00f5es, de rastreamento hol\u00edstico, que permita aos cidad\u00e3os aceder a informa\u00e7\u00e3o clara e consolidada sobre os seus direitos futuros em termos de pens\u00f5es p\u00fablicas como de privadas, promovendo uma maior consciencializa\u00e7\u00e3o sobre a import\u00e2ncia da poupan\u00e7a e o melhor planeamento da reforma.<\/li>\n<\/ul>\n<p style=\"font-weight: 400;\">\n<ul style=\"font-weight: 400;\">\n<li>O papel dos mecanismos de <em>Auto-enrolment<\/em> no desenvolvimento de solu\u00e7\u00f5es de poupan\u00e7a a n\u00edvel profissional. Das diferentes possibilidades de implementa\u00e7\u00e3o de mecanismos de <em>Auto-enrolment,<\/em> foi apontado que, ainda que condicionalmente, o modelo mais eficaz dever\u00e1 assentar em planos de pens\u00f5es empresariais, fortemente estimulados pelo Estado ou tendencialmente mandat\u00f3rios, com contribui\u00e7\u00f5es m\u00ednimas, partilhadas entre empregadores e, por defeito, trabalhadores, mantendo-se a possibilidade de <em>opt-out<\/em>.<\/li>\n<\/ul>\n<p style=\"font-weight: 400;\">\n<ul>\n<li>A necessidade de uma reformula\u00e7\u00e3o do Regulamento PEPP, que desde o seu lan\u00e7amento registou uma baixa ades\u00e3o na UE. Neste ponto, acompanhando o posicionamento do Insurance Europe, a APS defendeu que o PEPP deve assumir-se como um <em>label<\/em> volunt\u00e1rio a n\u00edvel europeu, aplic\u00e1vel a produtos de reforma quer a n\u00edvel individual quer a n\u00edvel profissional, j\u00e1 regulados a n\u00edvel nacional. Tal permitiria aos prestadores utilizar estruturas existentes, reduzir encargos administrativos e tornar opcional a funcionalidade transfronteiri\u00e7a. Esta abordagem poder\u00e1 contribuir para aumentar a ades\u00e3o e a atratividade do PEPP, promovendo os 2\u00ba e 3\u00ba pilares da poupan\u00e7a para a reforma no espa\u00e7o europeu.<\/li>\n<\/ul>\n<\/div><\/section><\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>A APS participou na consulta p\u00fablica espec\u00edfica, lan\u00e7ada pela Comiss\u00e3o Europeia, sobre pens\u00f5es complementares de reforma, integrada numa estrat\u00e9gia mais ampla de promo\u00e7\u00e3o da poupan\u00e7a para a reforma. Conhe\u00e7a o contributo da APS relativo ao setor segurador portugu\u00eas, refletindo a realidade nacional.<\/p>\n","protected":false},"author":1,"featured_media":1644,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"quote","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-2157","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\/2157","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=2157"}],"version-history":[{"count":1,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/2157\/revisions"}],"predecessor-version":[{"id":2159,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/2157\/revisions\/2159"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/media\/1644"}],"wp:attachment":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2157"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2157"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2157"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}