{"id":2201,"date":"2025-11-27T11:28:39","date_gmt":"2025-11-27T10:28:39","guid":{"rendered":"https:\/\/segurosecidadania.pt\/?p=2201"},"modified":"2025-12-02T15:14:02","modified_gmt":"2025-12-02T14:14:02","slug":"ricardo-ferreira-reis-3-2-2-3-2-2-3-2-2-2-3-4-3-2-2-3","status":"publish","type":"post","link":"https:\/\/segurosecidadania.pt\/?p=2201","title":{"rendered":"MEDIDAS EUROPEIAS SOBRE PENS\u00d5ES COMPLEMENTARES DE REFORMA"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-3m448p-37eb7bd1764904c1375965c6d824989c\">\n.avia-section.av-3m448p-37eb7bd1764904c1375965c6d824989c{\nbackground-color:#ea3000;\nbackground-image:unset;\nz-index:0;\nposition:relative;\n}\n.av-curtain-footer.av-curtain-activated #main .avia-section.av-3m448p-37eb7bd1764904c1375965c6d824989c{\nz-index:0;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-3m448p-37eb7bd1764904c1375965c6d824989c main_color avia-section-small 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only screen and (min-width: 768px) and (max-width: 989px){ \n#top .av-special-heading.av-mih9f08z-a005c2f5433945994e70848ac3183588{\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-mih9f08z-a005c2f5433945994e70848ac3183588{\nmargin:0 0 -35px 0;\n}\n#top #wrap_all .av-special-heading.av-mih9f08z-a005c2f5433945994e70848ac3183588 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-mih9f08z-a005c2f5433945994e70848ac3183588 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 #12 | novembro 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-2201'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-6kwi4-8e596f04c27eab16388547305a04b6bc 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-hlakc-11ef2cbb47b41d5d366e5e7b4b06b95f\">\n#top .av-post-metadata-container.av-hlakc-11ef2cbb47b41d5d366e5e7b4b06b95f{\nfont-size:14px;\nmargin:0 0 1px 0;\n}\n#top .av-post-metadata-container.av-hlakc-11ef2cbb47b41d5d366e5e7b4b06b95f .av-post-metadata-container-inner{\nfont-size:14px;\n}\n<\/style>\n<div  class='av-post-metadata-container av-hlakc-11ef2cbb47b41d5d366e5e7b4b06b95f 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=25\" >Destaques<\/a><\/span><\/span><\/span><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ls1rzmt1-3a167e46d6b2a8d39a8a3898543e487f\">\n#top .av-special-heading.av-ls1rzmt1-3a167e46d6b2a8d39a8a3898543e487f{\nmargin:20px 0 0 0;\npadding-bottom:20px;\nfont-size:30px;\n}\nbody .av-special-heading.av-ls1rzmt1-3a167e46d6b2a8d39a8a3898543e487f .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-ls1rzmt1-3a167e46d6b2a8d39a8a3898543e487f .av-special-heading-tag{\nfont-size:30px;\npadding:0 0 10px 0;\n}\n.av-special-heading.av-ls1rzmt1-3a167e46d6b2a8d39a8a3898543e487f .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-ls1rzmt1-3a167e46d6b2a8d39a8a3898543e487f .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-ls1rzmt1-3a167e46d6b2a8d39a8a3898543e487f .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-ls1rzmt1-3a167e46d6b2a8d39a8a3898543e487f av-special-heading-h1 blockquote modern-quote  avia-builder-el-5  el_after_av_post_metadata  el_before_av_image  av-inherit-size'><h1 class='av-special-heading-tag'  itemprop=\"headline\"  >MEDIDAS EUROPEIAS SOBRE PENS\u00d5ES COMPLEMENTARES DE REFORMA<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ls1s056x-84e0c477ee3fb94aaf1c144bdacc2de5\">\n.avia-image-container.av-ls1s056x-84e0c477ee3fb94aaf1c144bdacc2de5 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-ls1s056x-84e0c477ee3fb94aaf1c144bdacc2de5 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-ls1s056x-84e0c477ee3fb94aaf1c144bdacc2de5 av-styling- avia-align-center  avia-builder-el-6  el_after_av_heading  el_before_av_textblock '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-2205 avia-img-lazy-loading-not-2205 avia_image ' src=\"https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/11\/reformas-1.jpg\" alt='' title='reformas-1'  height=\"800\" width=\"2000\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/11\/reformas-1.jpg 2000w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/11\/reformas-1-300x120.jpg 300w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/11\/reformas-1-1030x412.jpg 1030w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/11\/reformas-1-768x307.jpg 768w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/11\/reformas-1-1536x614.jpg 1536w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/11\/reformas-1-1500x600.jpg 1500w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/11\/reformas-1-705x282.jpg 705w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-ls1s13k0-bd5659602c8ec4c80c8d120e3dc440cc '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p style=\"font-weight: 400;\">A Comiss\u00e3o Europeia apresentou, no passado dia 20 de novembro, um pacote de medidas destinadas a refor\u00e7ar os regimes complementares de reforma na Uni\u00e3o Europeia. Esta iniciativa, integrada na estrat\u00e9gia para a Savings and Investments Union (SIU), assenta numa dupla ambi\u00e7\u00e3o: garantir rendimentos de reforma mais adequados para os cidad\u00e3os e mobilizar investimentos de longo prazo para apoiar a economia europeia.<\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\">Para o setor segurador, estas medidas representam, simultaneamente, uma grande oportunidade de desenvolvimento de mercados onde atua e um conjunto de desafios regulamentares e operacionais a antecipar.<\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\">Este pacote \u00e9 composto fundamentalmente por uma Recomenda\u00e7\u00e3o com tr\u00eas objetivos e duas propostas de altera\u00e7\u00e3o de diplomas legislativos europeus, assim apresentados pela Comiss\u00e3o Europeia:<\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\"><strong>Recomenda\u00e7\u00e3o relativa aos sistemas de acompanhamento das pens\u00f5es, aos pain\u00e9is de controlo das pens\u00f5es e \u00e0 inscri\u00e7\u00e3o autom\u00e1tica em regimes complementares de pens\u00e3o:<\/strong><\/p>\n<p style=\"font-weight: 400;\"><strong>\u00a0<\/strong><\/p>\n<ul style=\"font-weight: 400;\">\n<li>Aplicar, em conson\u00e2ncia com as circunst\u00e2ncias nacionais e respeitando plenamente o papel e a autonomia dos parceiros sociais e as prerrogativas de negocia\u00e7\u00e3o coletiva, a <strong>inscri\u00e7\u00e3o autom\u00e1tica<\/strong><strong>[<em>auto-enrolment<\/em>]<\/strong>, ou seja, a inclus\u00e3o autom\u00e1tica dos trabalhadores nas pens\u00f5es complementares, com plena liberdade para as pessoas optarem por n\u00e3o participar. (\u2026). Trata-se de uma forma de aumentar a participa\u00e7\u00e3o em regimes complementares de pens\u00e3o e de desbloquear uma maior escala de mercados de pens\u00f5es complementares;<\/li>\n<li>Continuar a desenvolver <strong>sistemas abrangentes de acompanhamento das pens\u00f5es [<em>pension tracking systems<\/em>]<\/strong>, a fim de proporcionar aos cidad\u00e3os uma panor\u00e2mica clara dos seus direitos de pens\u00e3o e das presta\u00e7\u00f5es previstas em todos os regimes de pens\u00f5es. Estes sistemas de acompanhamento ajudar\u00e3o a resolver o problema da baixa participa\u00e7\u00e3o em pens\u00f5es complementares, muitas vezes devido \u00e0 pouca sensibiliza\u00e7\u00e3o dos cidad\u00e3os para a sua futura pens\u00e3o. (\u2026);<\/li>\n<li>Desenvolver <strong>pain\u00e9is nacionais de pens\u00f5es [<em>national pension dashboards<\/em>]<\/strong>, para que os decisores pol\u00edticos dos Estados-Membros tenham uma melhor vis\u00e3o da cobertura, sustentabilidade e adequa\u00e7\u00e3o do seu sistema de pens\u00f5es multipilares. Esses pain\u00e9is nacionais contribuiriam, em \u00faltima an\u00e1lise, para um painel de controlo das pens\u00f5es a n\u00edvel da UE.<\/li>\n<\/ul>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\"><strong>Proposta legislativa de altera\u00e7\u00e3o da Diretiva relativa \u00e0s institui\u00e7\u00f5es de realiza\u00e7\u00e3o de planos de pens\u00f5es profissionais (IORP II):<\/strong><\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\">(\u2026) A Comiss\u00e3o prop\u00f5e refor\u00e7ar e modernizar o quadro para apoiar melhor a efici\u00eancia, a escala e a confian\u00e7a nas pens\u00f5es complementares.<\/p>\n<p style=\"font-weight: 400;\">A revis\u00e3o refor\u00e7a a prote\u00e7\u00e3o dos aforradores e elimina os obst\u00e1culos \u00e0 consolida\u00e7\u00e3o impulsionada pelo mercado e outras formas de promover economias de escala. Estas medidas ajudar\u00e3o as IORP a funcionar de forma mais eficiente, a reduzir os custos, a diversificar as suas carteiras de investimentos, nomeadamente em capitais pr\u00f3prios, a fim de proporcionar um maior retorno das poupan\u00e7as dos cidad\u00e3os. Tal contribui igualmente para aumentar as oportunidades de financiamento para as empresas europeias.<\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\"><strong>Proposta legislativa de altera\u00e7\u00e3o do Regulamento Produto Individual de Reforma Pan-Europeu (PEPP):<\/strong><\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\">A revis\u00e3o do Regulamento PEPP visa tornar o Produto Individual de Reforma Pan-Europeu (PEPP) uma op\u00e7\u00e3o mais atrativa, acess\u00edvel e eficaz em termos de custos para os aforradores. Eliminar\u00e1 os requisitos existentes e as caracter\u00edsticas de conce\u00e7\u00e3o que dificultaram a ado\u00e7\u00e3o do PEPP, continuando simultaneamente a assegurar um elevado n\u00edvel de prote\u00e7\u00e3o dos consumidores. (\u2026)<\/p>\n<p style=\"font-weight: 400;\">\n<\/div><\/section><\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Para o setor segurador, estas medidas representam, simultaneamente, uma grande oportunidade de desenvolvimento de mercados onde atua e um conjunto de desafios regulamentares e operacionais a antecipar.<\/p>\n","protected":false},"author":2,"featured_media":2205,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[],"class_list":["post-2201","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-destaques"],"_links":{"self":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/2201","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\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2201"}],"version-history":[{"count":4,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/2201\/revisions"}],"predecessor-version":[{"id":2228,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/2201\/revisions\/2228"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/media\/2205"}],"wp:attachment":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2201"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2201"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2201"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}