{"id":724,"date":"2024-01-23T12:27:00","date_gmt":"2024-01-23T12:27:00","guid":{"rendered":"https:\/\/segurosecidadania.pt\/?p=724"},"modified":"2024-01-30T11:52:07","modified_gmt":"2024-01-30T11:52:07","slug":"estudo-mercado-pan-europeu","status":"publish","type":"post","link":"https:\/\/segurosecidadania.pt\/?p=724","title":{"rendered":"Estudo de mercado Pan-Europeu sobre pens\u00f5es de reforma: principais resultados Europeus e de Portugal"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-n4wcs-57ecedeacf514070b62d6443c183bc3a\">\n.avia-section.av-n4wcs-57ecedeacf514070b62d6443c183bc3a{\nbackground-color:#4db8e8;\nbackground-image:unset;\nz-index:0;\nposition:relative;\n}\n.av-curtain-footer.av-curtain-activated #main .avia-section.av-n4wcs-57ecedeacf514070b62d6443c183bc3a{\nz-index:0;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-n4wcs-57ecedeacf514070b62d6443c183bc3a main_color avia-section-small 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#wrap_all .av-special-heading.av-6ro5w-7b4a48365de312acc936130d6ec57c32 .av-special-heading-tag{\nfont-size:25px;\npadding:0 0 0 0;\n}\n.av-special-heading.av-6ro5w-7b4a48365de312acc936130d6ec57c32 .special-heading-inner-border{\nborder-color:rgba(0,0,0,0.01);\n}\n.av-special-heading.av-6ro5w-7b4a48365de312acc936130d6ec57c32 .av-subheading{\nfont-size:20px;\n}\nbody .av-special-heading.av-6ro5w-7b4a48365de312acc936130d6ec57c32 .av-special-heading-tag .heading-wrap:before{\nborder-color:rgba(0,0,0,0.01);\n}\nbody .av-special-heading.av-6ro5w-7b4a48365de312acc936130d6ec57c32 .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-6ro5w-7b4a48365de312acc936130d6ec57c32{\nmargin:0 0 -100px 0;\n}\n#top #wrap_all .av-special-heading.av-6ro5w-7b4a48365de312acc936130d6ec57c32 .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-6ro5w-7b4a48365de312acc936130d6ec57c32{\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-6ro5w-7b4a48365de312acc936130d6ec57c32{\nmargin:0 0 -35px 0;\n}\n#top #wrap_all .av-special-heading.av-6ro5w-7b4a48365de312acc936130d6ec57c32 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-6ro5w-7b4a48365de312acc936130d6ec57c32 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 #01 | janeiro 2024<\/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-724'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-p5d3-ca9b10c70a3aa155c22681b3e7707f30 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-dxu58-e5a72f75d36e5f9f664ce2f09c3d37b6\">\n#top .av-post-metadata-container.av-dxu58-e5a72f75d36e5f9f664ce2f09c3d37b6{\nfont-size:14px;\nmargin:0 0 1px 0;\n}\n#top .av-post-metadata-container.av-dxu58-e5a72f75d36e5f9f664ce2f09c3d37b6 .av-post-metadata-container-inner{\nfont-size:14px;\n}\n<\/style>\n<div  class='av-post-metadata-container av-dxu58-e5a72f75d36e5f9f664ce2f09c3d37b6 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-14ufa-d9916a3751dbc3a9e3f98799e4af34a4\">\n#top .av-special-heading.av-14ufa-d9916a3751dbc3a9e3f98799e4af34a4{\nmargin:0 0 0 0;\npadding-bottom:0;\nfont-size:30px;\n}\nbody .av-special-heading.av-14ufa-d9916a3751dbc3a9e3f98799e4af34a4 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-14ufa-d9916a3751dbc3a9e3f98799e4af34a4 .av-special-heading-tag{\nfont-size:30px;\npadding:0 0 20px 0;\n}\n.av-special-heading.av-14ufa-d9916a3751dbc3a9e3f98799e4af34a4 .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-14ufa-d9916a3751dbc3a9e3f98799e4af34a4 .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-14ufa-d9916a3751dbc3a9e3f98799e4af34a4 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-14ufa-d9916a3751dbc3a9e3f98799e4af34a4 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\"  >Estudo de mercado Pan-Europeu sobre pens\u00f5es de reforma: principais resultados Europeus e de Portugal<\/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-lpcvo0mx-6f49316b32142305446b1fac817e81cd\">\n.avia-image-container.av-lpcvo0mx-6f49316b32142305446b1fac817e81cd img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-lpcvo0mx-6f49316b32142305446b1fac817e81cd .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-lpcvo0mx-6f49316b32142305446b1fac817e81cd 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-887 avia-img-lazy-loading-not-887 avia_image ' src=\"https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/01\/foto-reformas.jpg\" alt='' title='foto reformas'  height=\"800\" width=\"2000\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/01\/foto-reformas.jpg 2000w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/01\/foto-reformas-300x120.jpg 300w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/01\/foto-reformas-1030x412.jpg 1030w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/01\/foto-reformas-768x307.jpg 768w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/01\/foto-reformas-1536x614.jpg 1536w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/01\/foto-reformas-1500x600.jpg 1500w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/01\/foto-reformas-705x282.jpg 705w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/><\/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>\n<div>\n<p style=\"font-weight: 400;\">Em 2023, a Insurance Europe promoveu, uma vez mais, um estudo de mercado a n\u00edvel europeu para analisar a perce\u00e7\u00e3o dos cidad\u00e3os sobre a situa\u00e7\u00e3o de reforma.<\/p>\n<p style=\"font-weight: 400;\">Tendo a APS aderido a esta iniciativa, divulgam-se os principais resultados deste inqu\u00e9rito e algumas recomenda\u00e7\u00f5es do setor sobre o desafio que se coloca ao futuro das pens\u00f5es de reforma.<\/p>\n<p style=\"font-weight: 400;\">Em todas as \u00e1reas estudadas, existem diferen\u00e7as significativas entre os pa\u00edses, pelo que, as respostas tamb\u00e9m s\u00e3o influenciadas por caracter\u00edsticas pessoais, como idade, g\u00e9nero, estado civil, n\u00edvel de educa\u00e7\u00e3o e emprego.<\/p>\n<p style=\"font-weight: 400;\">Os resultados do estudo para <strong>Portugal<\/strong> mostram que:<\/p>\n<ul>\n<li>Quase metade dos entrevistados (48%) n\u00e3o est\u00e3o a poupar para a reforma, sendo que, relativamente a motiva\u00e7\u00f5es, 41% destes dizem n\u00e3o ter dinheiro para isso e 15% alegam n\u00e3o terem informa\u00e7\u00e3o suficiente para tomar essa decis\u00e3o;<\/li>\n<li>67% dos entrevistados indicam que as atuais circunst\u00e2ncias econ\u00f3micas (aumento do custo de vida\/infla\u00e7\u00e3o) tiveram um impacto negativo nas suas poupan\u00e7as para a reforma;<\/li>\n<li>Quando questionados diretamente sobre se estariam dispostos a pagar por extras enquanto est\u00e3o a poupar para um complemento de reforma, 41% dos indiv\u00edduos dizem-se dispon\u00edveis para pagar por uma prote\u00e7\u00e3o para os seus benefici\u00e1rios em caso de morte antes ou depois da reforma. J\u00e1 a op\u00e7\u00e3o de pagar para uma prote\u00e7\u00e3o que permita contribuir para a pens\u00e3o, mesmo que haja perda de rendimento devido a incapacidade\/invalidez, representa a escolha de 37% dos inquiridos. A mesma percentagem de inquiridos (37%) est\u00e1 disposta a pagar por uma prote\u00e7\u00e3o para o caso de viver mais do que o esperado, de forma a evitar n\u00e3o ter uma poupan\u00e7a suficiente. Nota: esta quest\u00e3o \u00e9 de escolha m\u00faltipla;<\/li>\n<li>A seguran\u00e7a \u00e9, de longe, a prioridade mais importante (45%) quando se trata de poupan\u00e7a para a reforma. A segunda prioridade \u00e9 a liquidez (32%);<\/li>\n<li>Quanto \u00e0 forma de receber a poupan\u00e7a, 51% dos indiv\u00edduos preferem auferir sob a forma de renda \u2013 receber um montante pr\u00e9-determinado, de forma regular para o resto da vida ou por um determinado n\u00famero de vezes;<\/li>\n<li>Os aforradores preferem receber informa\u00e7\u00f5es em suporte digital (79%) em vez de papel.<\/li>\n<\/ul>\n<p style=\"font-weight: 400;\">Este estudo de mercado permite, assim, identificar as prefer\u00eancias dos cidad\u00e3os e a sua sensibilidade relativamente a algumas decis\u00f5es que t\u00eam de tomar no que respeita \u00e0 salvaguarda dos seus rendimentos na sua situa\u00e7\u00e3o de reforma, permitindo que as seguradoras continuem a desempenhar o seu papel de prote\u00e7\u00e3o dos aforradores (enquanto investidor institucional), procurando at\u00e9 encontrar novas solu\u00e7\u00f5es que promovam a poupan\u00e7a, indo ao encontro das suas expectativas. \u200b(<a href=\"https:\/\/www.insuranceeurope.eu\/publications\/3022\/2023-pan-european-pension-survey-key-findings\/\" target=\"_blank\" rel=\"noopener\">saber mais<\/a>)<\/p>\n<\/div>\n<div><\/div>\n<\/div>\n<div><\/div>\n<\/div><\/section><\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Em 2023, a Insurance Europe promoveu, uma vez mais, um estudo de mercado a n\u00edvel europeu para analisar a perce\u00e7\u00e3o dos cidad\u00e3os sobre a situa\u00e7\u00e3o de reforma.<br \/>\nTendo a APS aderido a esta iniciativa, divulgam-se os principais resultados deste inqu\u00e9rito e algumas recomenda\u00e7\u00f5es do setor sobre os desafios que se colocam ao futuro das pens\u00f5es de reforma.<\/p>\n","protected":false},"author":1,"featured_media":887,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"quote","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-724","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\/724","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=724"}],"version-history":[{"count":6,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/724\/revisions"}],"predecessor-version":[{"id":888,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/724\/revisions\/888"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/media\/887"}],"wp:attachment":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=724"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=724"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=724"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}