{"id":2588,"date":"2023-06-07T17:17:34","date_gmt":"2023-06-07T16:17:34","guid":{"rendered":"https:\/\/joaomarquesseguros.pt\/?page_id=2588"},"modified":"2023-06-28T15:28:32","modified_gmt":"2023-06-28T14:28:32","slug":"poupancas-e-investimentos","status":"publish","type":"page","link":"https:\/\/joaomarquesseguros.pt\/en\/protection-solutions\/savings-and-investments\/","title":{"rendered":"Savings and Investments"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"2588\" class=\"elementor elementor-2588\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-754246c intro_banner elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"754246c\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1111911\" data-id=\"1111911\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3fbcb5f elementor-widget__width-auto elementor-widget-tablet__width-auto elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"3fbcb5f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.1 - 09-05-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Savings and Investments<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1f962bae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1f962bae\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-41bedf66\" data-id=\"41bedf66\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-16e2747 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"16e2747\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Savings and Investment Plans<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4908fdb elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4908fdb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.1 - 09-05-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Financial insurance can be an excellent option if you want to build up savings and make the most of your money, it may make sense to learn about financial insurance, its features and potential.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2caeae7 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial custom_bullets_v2 elementor-widget elementor-widget-text-editor\" data-id=\"2caeae7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Financial insurance is constituted as life insurance contracts and is broadly divided into two types:<\/p><p><strong>Capitalisation Insurance<br \/><\/strong>Typically with capital and income guaranteed by the insurance company, and may also benefit from participation in the insurer's profits.<\/p><p><strong>Insurance Linked to Investment Funds (Unit Linked)<br \/><\/strong>Products that combine the management characteristics of an investment fund with the benefits of insurance (particularly tax and coverage). They are financial investments with risk, with the potential for return, although without guaranteed capital or income.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0b3455 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"d0b3455\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>What is the return on financial insurance?<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-250f81f elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial custom_bullets_v2 elementor-widget elementor-widget-text-editor\" data-id=\"250f81f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Investment in financial insurance can be capital and income guaranteed (capitalisation insurance) or can depend on the valuation of a pool of assets, such as money market, financial bonds, assets and others (unit linked insurance). Thus, there are financial insurances for all investment and risk profiles.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c7443f elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6c7443f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>What are the advantages of investing in financial insurance?<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69233b5 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial custom_bullets_v2 elementor-widget elementor-widget-text-editor\" data-id=\"69233b5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Financial insurance is a potentially interesting alternative in the savings strategy for a number of advantages:<\/p><ul><li>Existence of very attractive tax benefits<\/li><li>Possibility of free appointment of beneficiaries<\/li><li>Possibility of constitution and periodic reinforcements with low amounts<\/li><li>Investment diversification<\/li><li>Access to a professional management team and to assets\/markets that might otherwise be closed to private investors.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aaeb1a9 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"aaeb1a9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>What are the tax benefits of financial insurance?<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4cd5462 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial custom_bullets_v2 elementor-widget elementor-widget-text-editor\" data-id=\"4cd5462\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>These insurances have an income tax regime that is progressively more favourable for investment holding periods of more than 5 years, and in the event of death, free transfers of credits from these products are not subject to Stamp Duty.<\/p><p>This information does not dispense you from consulting the applicable tax legislation.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-57b1734 main_product_img_section elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"57b1734\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e0299cd\" data-id=\"e0299cd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fba2e9d main_product_img elementor-widget__width-auto elementor-widget-tablet__width-auto elementor-widget-mobile__width-auto elementor-widget elementor-widget-image\" data-id=\"fba2e9d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.1 - 09-05-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1240\" height=\"582\" src=\"https:\/\/joaomarquesseguros.pt\/wp-content\/uploads\/2023\/06\/Image-Produto-Poupanca-Reforma.jpg\" class=\"attachment-full size-full wp-image-2658\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/joaomarquesseguros.pt\/wp-content\/uploads\/2023\/06\/Image-Produto-Poupanca-Reforma.jpg 1240w, https:\/\/joaomarquesseguros.pt\/wp-content\/uploads\/2023\/06\/Image-Produto-Poupanca-Reforma-300x141.jpg 300w, https:\/\/joaomarquesseguros.pt\/wp-content\/uploads\/2023\/06\/Image-Produto-Poupanca-Reforma-1024x481.jpg 1024w, https:\/\/joaomarquesseguros.pt\/wp-content\/uploads\/2023\/06\/Image-Produto-Poupanca-Reforma-768x360.jpg 768w\" sizes=\"(max-width: 1240px) 100vw, 1240px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-272cbbc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"272cbbc\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-88d7b77\" data-id=\"88d7b77\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-81c28b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"81c28b1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3da0b21\" data-id=\"3da0b21\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2a3d62f elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"2a3d62f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Get in touch<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e261c89 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e261c89\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Fill in your details below and we will get back to you as soon as possible.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2da7d9b inner_form_section elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2da7d9b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d9560ad\" data-id=\"d9560ad\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-87b49c5 elementor-widget elementor-widget-shortcode\" data-id=\"87b49c5\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"section\" data-elementor-id=\"2469\" class=\"elementor elementor-2469\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-737a267 form_contacts_section elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"737a267\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8d4a0af\" data-id=\"8d4a0af\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b8372af elementor-button-align-center form_contacts elementor-tablet-button-align-start elementor-widget elementor-widget-form\" data-id=\"b8372af\" data-element_type=\"widget\" data-settings=\"{&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor-pro - v3.13.0 - 08-05-2023 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financeiros, as suas caracter\u00edsticas e potencialidades. Os seguros financeiros s\u00e3o constitu\u00eddos como contratos de seguro de vida e dividem-se genericamente em dois tipos: [&hellip;]<\/p>","protected":false},"author":2,"featured_media":336,"parent":1919,"menu_order":5,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.5 (Yoast SEO v20.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Seguros de Poupan\u00e7a e Investimentos - Jo\u00e3o Marques Seguros<\/title>\n<meta name=\"description\" content=\"O Seguro de Planos de Poupan\u00e7a e Investimentos \u00e9 um produto essencial para os seus rendimentos, conte com a nossa consultoria e obtenha as melhores condi\u00e7\u00f5es\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/joaomarquesseguros.pt\/en\/protection-solutions\/savings-and-investments\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Poupan\u00e7as e Investimentos\" \/>\n<meta property=\"og:description\" content=\"O Seguro de Planos de Poupan\u00e7a e Investimentos \u00e9 um produto essencial para os seus rendimentos, conte com a nossa consultoria e obtenha as melhores condi\u00e7\u00f5es\" \/>\n<meta property=\"og:url\" content=\"https:\/\/joaomarquesseguros.pt\/en\/protection-solutions\/savings-and-investments\/\" \/>\n<meta property=\"og:site_name\" content=\"Jo\u00e3o Marques Seguros\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-28T14:28:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/joaomarquesseguros.pt\/wp-content\/uploads\/2023\/05\/Thumbnail.png\" \/>\n\t<meta property=\"og:image:width\" content=\"270\" \/>\n\t<meta property=\"og:image:height\" content=\"270\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/joaomarquesseguros.pt\/solucoes-de-protecao\/poupancas-e-investimentos\/\",\"url\":\"https:\/\/joaomarquesseguros.pt\/solucoes-de-protecao\/poupancas-e-investimentos\/\",\"name\":\"Seguros de Poupan\u00e7a e Investimentos - 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