Fonds de pension - Cleva Solutions

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Pension funds: PEPP, new trends and solutions

Publication publiée :décembre 4, 2025

The Pan-European Personal Pension Product (PEPP) in Portugal Act No.1/2025, published on the 6th of January 2025, complies with Regulation (EU) 2019/1238, which establishes the Pan-European Personal Pension Product (PEPP), a pension savings scheme available across the European Union. The main goal of this product is to offer European citizens a complementary alternative to national pension systems, promoting portability, transparency and consumer protection.

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The Origin of Pension Funds

Publication publiée :octobre 11, 2024

After World War 2, the social security system expanded significantly. In 1962, the Caixa Nacional de Pensões (National Pension Fund) was established, and in 1972, there was a pension reform that unified various social protection regimes. Between 1980 and 1990, the first funds created by large companies and financial institutions began to emerge. Currently, due to population aging and high pressure on public finances, there is a trend toward adjusting retirement age and benefit amounts. Pension funds, in terms of contributions from both companies and individuals, are a good investment solution to prepare for a more stable financial future.

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