{"id":6747,"date":"2020-09-30T11:27:46","date_gmt":"2020-09-30T09:27:46","guid":{"rendered":"https:\/\/imperio.ch\/?page_id=6747"},"modified":"2022-02-18T14:10:11","modified_gmt":"2022-02-18T13:10:11","slug":"vantagens-poupanca-3-pilar-a","status":"publish","type":"page","link":"https:\/\/imperio.ch\/pt\/vantagens-poupanca-3-pilar-a\/","title":{"rendered":"Blog &#8211; Poupan\u00e7a 3 pilar A"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.6.0&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.6.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_divider show_divider=&#8221;off&#8221; _builder_version=&#8221;4.7.1&#8243; _module_preset=&#8221;default&#8221; height=&#8221;50px&#8221; height_tablet=&#8221;&#8221; height_phone=&#8221;30px&#8221; height_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.6.0&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;3_4,1_4&#8243; _builder_version=&#8221;4.6.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_4&#8243; _builder_version=&#8221;4.6.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/imperio.ch\/wp-content\/uploads\/2020\/09\/3PA-tete.png&#8221; title_text=&#8221;3PA tete&#8221; _builder_version=&#8221;4.7.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;credito pessoal&#8221; _builder_version=&#8221;4.6.0&#8243; header_text_color=&#8221;#5E5E5E&#8221; header_2_text_color=&#8221;#5e5e5e&#8221; custom_margin=&#8221;29px||-30px|||&#8221; custom_padding=&#8221;0px||0px|||&#8221; border_style_all=&#8221;solid&#8221; border_style=&#8221;solid&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 class=\"entry-title\"><b>PREPARAR A REFORMA POUPANDO NOS IMPOSTOS<\/b><\/h1>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.5&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.8em&#8221; header_2_text_color=&#8221;#5e5e5e&#8221; text_orientation=&#8221;justified&#8221; custom_margin=&#8221;||-6px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Diminui\u00e7\u00e3o de rendimentos na reforma.<\/strong><\/p>\n<p>Segundo um estudo recente feito pelo <a href=\"https:\/\/www.rts.ch\/info\/economie\/11375788-l-avs-et-le-deuxieme-pilier-ne-couvrent-que-60-du-dernier-salaire-.html\">banco su\u00ed\u00e7o UBS,<\/a> a renda AVS e o 2\u00b0 pilar de um reformado representam apenas 60% do seu \u00faltimo sal\u00e1rio. Por seu lado, as despesas em idade de reforma reduzem apenas entre 5 e 10%.<\/p>\n<p>Constata-se que h\u00e1 uma perda muito importante no poder de compra quando se atinge a idade da reforma, pois a redu\u00e7\u00e3o no rendimento n\u00e3o \u00e9 de todo compensada pela redu\u00e7\u00e3o nos encargos.<\/p>\n<p>Esta perda \u00e9 ainda mais importante no caso dos emigrantes, pois na sua grande maioria cotizaram durante menos anos, pelo que o seu rendimento em idade de reforma \u00e9 ainda menor.<\/p>\n<p>Assim, chegando \u00e0 reforma, \u00e9-se confrontado com uma realidade em que o rendimento se demonstra insuficiente para cobrir todas as despesas.<\/p>\n<p><strong>Perda de poder de compra e de qualidade de vida<\/strong><\/p>\n<p>Os custos fixos ser\u00e3o praticamente os mesmos, mas com a enorme diminui\u00e7\u00e3o dos rendimentos \u00e9 habitual ter de fazer cortes importantes nas despesas, o que reduz substancialmente a qualidade de vida quando se passa \u00e0 condi\u00e7\u00e3o de reformado.<br \/>Existe, portanto, a necessidade de se ajustar as despesas, o que implica perder o que j\u00e1 se tinha: a mudan\u00e7a para uma habita\u00e7\u00e3o mais pequena, renunciar a viagens e f\u00e9rias, ou ter de prescindir do ve\u00edculo autom\u00f3vel tornam-se uma necessidade para a maioria dos reformados.<\/p>\n<p><strong>Preparar a reforma com anteced\u00eancia.<\/strong><\/p>\n<p>Esta situa\u00e7\u00e3o pode, no entanto, ser evitada se a reforma for preparada com a devida anteced\u00eancia. De facto, para que n\u00e3o seja necess\u00e1rio baixar o n\u00edvel de vida na reforma, deve come\u00e7ar-se a poupar o mais cedo poss\u00edvel. S\u00f3 assim ser\u00e1 poss\u00edvel conseguir manter as coisas mais importantes no futuro.<\/p>\n<p><strong>Vantagens de um 3\u00b0 pilar A como complemento de reforma:<\/strong><\/p>\n<p>&#8211; Se deseja <strong>adquirir uma habita\u00e7\u00e3o,<\/strong>\u00a0esse sonho pode tornar-se uma realidade com o 3\u00b0 pilar. A dificuldade em deter os 20% de fundos pr\u00f3prios para obten\u00e7\u00e3o do cr\u00e9dito banc\u00e1rio pode ser ultrapassada com a integra\u00e7\u00e3o do seu 3\u00b0 pilar no dossier, permitindo reembolsar o seu cr\u00e9dito enquanto beneficia da <strong>dedu\u00e7\u00e3o fiscal<\/strong> atribu\u00edda pelo estado su\u00ed\u00e7o para quem subscreve este tipo de produtos.<br \/>&#8211; As cotiza\u00e7\u00f5es do 3 pilar A s\u00e3o totalmente <strong>dedut\u00edveis<\/strong> nos impostos. Os trabalhadores por conta de outrem podem cotizar at\u00e9 6\u2019826 CHF por ano e 34\u2019128 CHF para um independente.<br \/>&#8211; Com a subscri\u00e7\u00e3o de um 3\u00b0 pilar A, s\u00e3o dispon\u00edveis um certo n\u00famero de <strong>garantias<\/strong> complementares, como por exemplo a cobertura de incapacidade de ganho. Esta garantia permite ao segurado proteger-se a si e \u00e0 sua fam\u00edlia no caso de n\u00e3o poder trabalhar devido a doen\u00e7a ou acidente.<br \/>&#8211; Em caso de morte, o <strong>capital<\/strong> previsto no contrato ser\u00e1 distribu\u00eddo pelo(s) herdeiro(s) na sua integralidade, mesmo que o segurado ainda s\u00f3 tenha pago um \u00fanico pr\u00e9mio!<\/p>\n<p><strong>O 3\u00b0 pilar A tamb\u00e9m pode ser resgatado.<\/strong><\/p>\n<p>As condi\u00e7\u00f5es para retirar um 3\u00b0 pilar A antes da reforma s\u00e3o as seguintes:<br \/>&#8211; Adquirir uma resid\u00eancia;<br \/>&#8211; Deixar definitivamente a Su\u00ed\u00e7a;<br \/>&#8211; Reforma antecipada;<br \/>&#8211; Lan\u00e7ar o seu pr\u00f3prio neg\u00f3cio.<\/p>\n<p><span style=\"font-size: 16px;\">\u00a0<\/span><\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Seguro Hospitalis&#8221; _builder_version=&#8221;4.6.3&#8243; header_text_color=&#8221;#5E5E5E&#8221; header_2_text_color=&#8221;#5e5e5e&#8221; background_enable_color=&#8221;off&#8221; custom_margin=&#8221;23px||2px|||&#8221; custom_padding=&#8221;||||false|false&#8221; border_style_all=&#8221;solid&#8221; border_style=&#8221;solid&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 class=\"entry-title\" style=\"text-align: center;\">PE\u00c7A-NOS UMA SIMULA\u00c7\u00c3O GRATUITA.<\/h1>\n<p>[\/et_pb_text][et_pb_contact_form captcha=&#8221;off&#8221; email=&#8221;leonel.moura@imperio.ch, rodrigo.carvalho@imperio.ch&#8221; title=&#8221;Para uma an\u00e1lise profissional e personalizada, deixe os seus dados no formul\u00e1rio abaixo ou envie-nos uma mensagem por WhatsApp.&#8221; custom_message=&#8221;Poupan\u00e7a 3\u00b0 pilar &#8211; Blog||et_pb_line_break_holder||||et_pb_line_break_holder||Nom: %%nom%%||et_pb_line_break_holder||T\u00e9l\u00e9phone: %%telephone%%||et_pb_line_break_holder||Ville: %%adresse%%||et_pb_line_break_holder||Email: %%email%%||et_pb_line_break_holder||||et_pb_line_break_holder||Atrav\u00e9s da p\u00e1gina: https:\/\/imperio.ch\/vantagens-poupanca-3-pilar-a&#8221; success_message=&#8221;Obrigado. Entraremos em contacto assim que poss\u00edvel.&#8221; submit_button_text=&#8221;Enviar&#8221; disabled_on=&#8221;off|off|off&#8221; module_id=&#8221;et_pb_contact_form_0&#8243; _builder_version=&#8221;4.13.1&#8243; _unique_id=&#8221;8588d6f2-eaf3-44c9-bb04-316cfa4dedd1&#8243; title_level=&#8221;h3&#8243; title_text_align=&#8221;center&#8221; title_text_color=&#8221;#5e5e5e&#8221; title_font_size=&#8221;18px&#8221; title_line_height=&#8221;1.5em&#8221; captcha_font_size=&#8221;15px&#8221; background_enable_color=&#8221;off&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;17px&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#b50d0a&#8221; button_border_width=&#8221;0px&#8221; button_border_color=&#8221;#ffffff&#8221; button_border_radius=&#8221;50px&#8221; button_letter_spacing=&#8221;0px&#8221; button_custom_margin=&#8221;10px||||false|false&#8221; custom_margin=&#8221;||6px||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; z_index_tablet=&#8221;500&#8243; 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today=&#8221;false&#8221; current=&#8221;true&#8221; icon_position=&#8221;&#8221; widget_template=&#8221;None&#8221; ][\/et_pb_code][et_pb_text _builder_version=&#8221;4.6.0&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#ffffff&#8221; link_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_align=&#8221;center&#8221; header_2_text_color=&#8221;#ffffff&#8221; background_enable_color=&#8221;off&#8221; text_orientation=&#8221;center&#8221; custom_padding=&#8221;7px|||||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2><\/h2>\n<h2>OUTROS ARTIGOS<\/h2>\n<p>[\/et_pb_text][et_pb_image src=&#8221;https:\/\/imperio.ch\/wp-content\/uploads\/2020\/09\/credito-leasing_blurb.png&#8221; title_text=&#8221;credito leasing_blurb&#8221; url=&#8221;https:\/\/imperio.ch\/credito-pessoal-ou-leasing&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.6.0&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_padding=&#8221;|30px||30px|false|true&#8221; 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