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ETFs and tax benefits for pensions funds
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| 3.6 MB | Adobe PDF |
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This thesis dives into the differences, between Portugal and the United Kingdom, regarding the tax and financial efficiency for financial savings products. The Portuguese market has been presenting a lack of dynamism in this area, with PPRs capturing a small percentage of the assets available and performing poorly due to high taxes and fees. In this context, this thesis has the goal of evaluating which model Portugal should adopt to improve the results of its private savings. Through the comparison of the Portuguese PPR, an investment account focused on ETFs and a British SIPP account, the impact of commissions, tax matters and flexibility of the final portfolio value were evaluated. The results show that the SIPP accounts are the most efficient, combining fiscal incentives with lower costs, leading to the conclusion that Portugal has a need for structural policies that increase transparency, that lower costs and that can make private savings more attractive and sustainable.
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Pension savings PPR ETF Taxation SIPP Retirement plan