{"id":2557,"date":"2022-08-30T12:15:18","date_gmt":"2022-08-30T11:15:18","guid":{"rendered":"https:\/\/ajooda.ch\/pt\/vorsorge-3-saule\/"},"modified":"2023-06-23T10:32:33","modified_gmt":"2023-06-23T09:32:33","slug":"terceiro-pilar-na-suica","status":"publish","type":"page","link":"https:\/\/ajooda.ch\/pt\/terceiro-pilar-na-suica\/","title":{"rendered":"Poupar impostos"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2557\" class=\"elementor elementor-2557\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-16b639a0 elementor-section-full_width elementor-section-height-min-height elementor-section-height-default elementor-section-items-middle\" data-id=\"16b639a0\" 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-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-462552a8\" data-id=\"462552a8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-32aa4d0d 3saule-titel elementor-widget elementor-widget-heading\" data-id=\"32aa4d0d\" 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 - v3.19.0 - 28-02-2024 *\/\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><h2 class=\"elementor-heading-title elementor-size-default\">Porque \u00e9 que cada vez mais <span style=\"color:#C19F62\">su\u00ed\u00e7os <\/span>t\u00eam um terceiro pilar?<\/h2>\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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-74ab954\" data-id=\"74ab954\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-361d5a4b elementor-widget elementor-widget-image\" data-id=\"361d5a4b\" 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 - v3.19.0 - 28-02-2024 *\/\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<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1\" height=\"1\" src=\"https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Manage-money-amico-1-1.svg\" class=\"attachment-large size-large wp-image-2558\" alt=\"\" \/>\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<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6eecdfda elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6eecdfda\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a2cafd5\" data-id=\"a2cafd5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-692f7f94 elementor-widget elementor-widget-image\" data-id=\"692f7f94\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1\" height=\"1\" src=\"https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/vorsorge-saeule-3a-1-rafiki.svg\" class=\"attachment-large size-large wp-image-2559\" alt=\"\" \/>\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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7e99df57\" data-id=\"7e99df57\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-20273418 elementor-widget elementor-widget-heading\" data-id=\"20273418\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Porque \u00e9 que cada vez mais portugueses est\u00e3o a fazer provis\u00f5es com o terceiro pilar?<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5930431a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5930431a\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/ajooda.ch\/pt\/wp-content\/plugins\/elementor\/assets\/css\/widget-icon-list.min.css\">\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Poupar at\u00e9 CHF 2'500 em impostos anualmente <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Aqueles que come\u00e7am mais tarde ser\u00e3o punidos\u200b<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">AHV deixar\u00e1 de oferecer uma pens\u00e3o daqui a 20-30 anos<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Aceitar a reforma antecipada com 500'000 CHF <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f399d14 elementor-widget elementor-widget-text-editor\" data-id=\"f399d14\" 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 - v3.19.0 - 28-02-2024 *\/\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>Hoje em dia, nenhum jovem de 25 anos pode esperar receber uma pens\u00e3o daqui a 40 anos.<\/p><p>A AHV j\u00e1 est\u00e1 sob forte press\u00e3o h\u00e1 v\u00e1rias d\u00e9cadas e j\u00e1 n\u00e3o poder\u00e1 pagar pens\u00f5es aos pensionistas.<\/p><p>O governo su\u00ed\u00e7o promove assim a provis\u00e3o de pens\u00f5es do terceiro pilar e permite poupar at\u00e9 CHF 2.500 em impostos por ano.<\/p><p>Com uma taxa m\u00e9dia de juros de 8% por ano, \u00e9 mesmo poss\u00edvel optar por uma reforma antecipada.<\/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<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-f219245 e-flex e-con-boxed e-con e-parent\" data-id=\"f219245\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-27aae9e elementor-widget elementor-widget-heading\" data-id=\"27aae9e\" 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\"><a href=\"#zinsesZinsRechner\">Clique aqui para saber como se pode reformar 5 anos mais cedo<\/a><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-72da9bfb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"72da9bfb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3d16264c\" data-id=\"3d16264c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3451cf33 elementor-widget elementor-widget-heading\" data-id=\"3451cf33\" 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\">Poupar at\u00e9 CHF 2'500 em impostos anualmente <\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ef093df elementor-widget elementor-widget-text-editor\" data-id=\"7ef093df\" 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>O pr\u00f3prio Estado est\u00e1 consciente deste problema e, por conseguinte, promove o plano de poupan\u00e7a volunt\u00e1rio atrav\u00e9s do Pilar 3a para criar um incentivo para que os cidad\u00e3os n\u00e3o v\u00e3o de m\u00e3os vazias mais tarde.<\/p><p>Por conseguinte, o montante total pago pode ser deduzido do imposto sobre o rendimento at\u00e9 um certo limite: CHF 6,883\/ano para os assalariados e CHF 34,416\/ano para as pessoas que n\u00e3o est\u00e3o filiadas no fundo de pens\u00e3o.<\/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-3ce9e845 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3ce9e845\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Dependendo do cant\u00e3o e do munic\u00edpio, isto resulta numa poupan\u00e7a fiscal anual de 1'000-2'500 CHF.<br><br>Qual \u00e9 o valor da poupan\u00e7a fiscal na sua <span class=\"elementor-icon-list-text elementor-inline-editing pen\" data-elementor-setting-key=\"icon_list.0.text\" data-pen-placeholder=\"Digite aqui...\" contenteditable=\"true\">munic\u00edpio<\/span>? Pergunte-nos!<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-583e7bdc\" data-id=\"583e7bdc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-53ee34b0 elementor-widget elementor-widget-image\" data-id=\"53ee34b0\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1\" height=\"1\" src=\"https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/vorsorge-saeule-3a-2-rafiki.svg\" class=\"attachment-large size-large wp-image-2563\" alt=\"\" \/>\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<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-445857e5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"445857e5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-382cf275\" data-id=\"382cf275\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\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-b85fe91 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b85fe91\" data-element_type=\"section\" data-settings=\"{&quot;shape_divider_top&quot;:&quot;triangle-asymmetrical&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M738,99l262-93V0H0v5.6L738,99z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6ce29276\" data-id=\"6ce29276\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-315d596e elementor-widget elementor-widget-heading\" data-id=\"315d596e\" 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\">Aqueles que come\u00e7am mais tarde ser\u00e3o punidos<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e856167 elementor-widget elementor-widget-text-editor\" data-id=\"4e856167\" 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>O exemplo seguinte:<\/p><p>Temos dois jovens e ambos colocamos 300 CHF por m\u00eas no seu terceiro pilar.<\/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-38443233 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"38443233\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Jonas inicia o pilar 3a aos 25 anos <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Karl inicia o pilar 3a aos 35 anos<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bd97d7e elementor-widget elementor-widget-text-editor\" data-id=\"2bd97d7e\" 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>Vamos assumir uma taxa de juro m\u00e9dia de apenas 5% por ano.<\/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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-380cad5\" data-id=\"380cad5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3de64bee elementor-widget elementor-widget-image\" data-id=\"3de64bee\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1\" height=\"1\" src=\"https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Growth-analytics-amico.svg\" class=\"attachment-large size-large wp-image-2524\" alt=\"\" \/>\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<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-69ad6f1d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"69ad6f1d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-27b32cba\" data-id=\"27b32cba\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-75f14b56 elementor-widget elementor-widget-heading\" data-id=\"75f14b56\" 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\">Jonas, 25 anos com 300 CHF por m\u00eas<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53c506d9 elementor-widget elementor-widget-image\" data-id=\"53c506d9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"768\" height=\"534\" src=\"https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Vorsorge-Schweiz-25-Jahriger-300Fr-768x534-1.png\" class=\"attachment-large size-large wp-image-2564\" alt=\"\" srcset=\"https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Vorsorge-Schweiz-25-Jahriger-300Fr-768x534-1.png 768w, https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Vorsorge-Schweiz-25-Jahriger-300Fr-768x534-1-300x209.png 300w, https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Vorsorge-Schweiz-25-Jahriger-300Fr-768x534-1-72x50.png 72w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-46f39061\" data-id=\"46f39061\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5db8e8db elementor-widget elementor-widget-heading\" data-id=\"5db8e8db\" 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\">Karl, 35 anos com 300 CHF por m\u00eas<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26619d7c elementor-widget elementor-widget-image\" data-id=\"26619d7c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"768\" height=\"531\" src=\"https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Vorsorge-Schweiz-35-Jahriger-300Fr-768x531-1.png\" class=\"attachment-large size-large wp-image-2565\" alt=\"\" srcset=\"https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Vorsorge-Schweiz-35-Jahriger-300Fr-768x531-1.png 768w, https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Vorsorge-Schweiz-35-Jahriger-300Fr-768x531-1-300x207.png 300w, https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Vorsorge-Schweiz-35-Jahriger-300Fr-768x531-1-72x50.png 72w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\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<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4b0a7fdf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4b0a7fdf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-64e8056d\" data-id=\"64e8056d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-22d5ee1d\" data-id=\"22d5ee1d\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-48379c76 elementor-widget elementor-widget-text-editor\" data-id=\"48379c76\" 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>Uma vez que Karl est\u00e1 desaparecido h\u00e1 10 anos, o seu capital de reforma \u00e9 <strong>200&#8217;000 CHF<\/strong> mais baixo!<\/p><p>Os seus rendimentos de juros ascendem apenas a 137&#8217;657 CHF e n\u00e3o s\u00e3o, portanto, nem sequer metade do que o rendimento excepcional de Jonas, de 302&#8217;657 CHF.<\/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<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-65e96a4b\" data-id=\"65e96a4b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\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-29d704e7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"29d704e7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6a3fde53\" data-id=\"6a3fde53\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5500a031 elementor-widget elementor-widget-heading\" data-id=\"5500a031\" 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\">Karl: 35 anos &amp; come\u00e7a com CHF 500 por m\u00eas<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7bbd790e elementor-widget elementor-widget-text-editor\" data-id=\"7bbd790e\" 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>Karl ganha bem e por isso decide come\u00e7ar com 500 CHF\/m\u00eas em vez de apenas 300 CHF.<\/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-6c213771 elementor-widget elementor-widget-text-editor\" data-id=\"6c213771\" 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><strong>Embora Karl pague em CHF 200 mais por m\u00eas do que Jonas, j\u00e1 n\u00e3o o consegue apanhar. Ainda falta quase CHF 40&#8217;000!<\/strong><\/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-605451e6 elementor-widget elementor-widget-text-editor\" data-id=\"605451e6\" 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>Isto porque Karl n\u00e3o foi capaz de tirar partido do efeito dos juros compostos suficientemente cedo e s\u00f3 conseguiu ganhar CHF 229&#8217;429 atrav\u00e9s dos juros.<\/p><p>Um total de CHF 73&#8217;228 a menos, embora tenha pago mais do que Jonas o tempo todo. \u00a0<\/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-4fc14be9 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"4fc14be9\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Conclus\u00e3o:<br>A melhor altura \u00e9 agora! \u00c9 melhor come\u00e7ar pequeno do que tentar apanhar mais tarde com grandes quantidades.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7d9f2a5b\" data-id=\"7d9f2a5b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-726eae59 elementor-widget elementor-widget-image\" data-id=\"726eae59\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"768\" height=\"532\" src=\"https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Vorsorge-Schweiz-35-Jahriger-500Fr-768x532-1.png\" class=\"attachment-large size-large wp-image-2566\" alt=\"\" srcset=\"https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Vorsorge-Schweiz-35-Jahriger-500Fr-768x532-1.png 768w, https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Vorsorge-Schweiz-35-Jahriger-500Fr-768x532-1-300x208.png 300w, https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Vorsorge-Schweiz-35-Jahriger-500Fr-768x532-1-72x50.png 72w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\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<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-47e4efa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"47e4efa\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-73b46e9e\" data-id=\"73b46e9e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f2d1d6a elementor-widget elementor-widget-heading\" data-id=\"f2d1d6a\" 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\">AHV no limite.<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ef3af77 elementor-widget elementor-widget-text-editor\" data-id=\"1ef3af77\" 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>Os jovens podem esquecer imediatamente as pens\u00f5es AHV.<\/p><p>Raz\u00f5es:<\/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-25098c14 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"25098c14\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Taxa de natalidade em decl\u00ednio acentuado (menos contribuintes no futuro)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Aumento do n\u00famero de reformados<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Maior esperan\u00e7a de vida (a pens\u00e3o deve ser paga por mais tempo)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-643cc15f elementor-widget elementor-widget-text-editor\" data-id=\"643cc15f\" 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>J\u00e1 n\u00e3o \u00e9 suficiente confiar apenas na aposentaria estatal.<\/p><p>Aqueles que se reformam nos pr\u00f3ximos 10 anos j\u00e1 se encontram numa posi\u00e7\u00e3o muito pior do que os nossos antepassados que se reformaram h\u00e1 20-30 anos.<\/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<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-385bac26\" data-id=\"385bac26\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7d2eac97 elementor-widget elementor-widget-image\" data-id=\"7d2eac97\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"566\" height=\"448\" src=\"https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Finanzierung-1.-Saule-AHV-und-IV.png\" class=\"attachment-large size-large wp-image-2561\" alt=\"\" srcset=\"https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Finanzierung-1.-Saule-AHV-und-IV.png 566w, https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Finanzierung-1.-Saule-AHV-und-IV-300x237.png 300w, https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Finanzierung-1.-Saule-AHV-und-IV-63x50.png 63w\" sizes=\"(max-width: 566px) 100vw, 566px\" \/>\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<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-18c9498\" data-id=\"18c9498\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-690e591a elementor-widget elementor-widget-image\" data-id=\"690e591a\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"581\" height=\"433\" src=\"https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Lebenserwartung-Schweiz.png\" class=\"attachment-large size-large wp-image-2562\" alt=\"\" srcset=\"https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Lebenserwartung-Schweiz.png 581w, https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Lebenserwartung-Schweiz-300x224.png 300w, https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Lebenserwartung-Schweiz-67x50.png 67w\" sizes=\"(max-width: 581px) 100vw, 581px\" \/>\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<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4dcd4c4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4dcd4c4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-637ce5fc\" data-id=\"637ce5fc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3de55ee elementor-widget elementor-widget-image\" data-id=\"3de55ee\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1\" height=\"1\" src=\"https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Warning-amico.svg\" class=\"attachment-large size-large wp-image-2510\" alt=\"\" \/>\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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-44f356ae\" data-id=\"44f356ae\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-473fb4b6 elementor-widget elementor-widget-heading\" data-id=\"473fb4b6\" 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\">Os trabalhadores com rendimentos elevados em desvantagem no 2. pilar<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42a2703 elementor-widget elementor-widget-text-editor\" data-id=\"42a2703\" 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>O 2. pilar (pens\u00e3o ocupacional) foi concebido para assegurar o rendimento total em aproximadamente 60-70% do rendimento anteriormente auferido.<\/p><p>Os trabalhadores com rendimentos elevados t\u00eam um problema particularmente grande: o 2. pilar s\u00f3 se aplica a sal\u00e1rios at\u00e9 CHF 86&#8217;040 (sem superobriga\u00e7\u00e3o da BVG).<\/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-1c7d5574 elementor-widget elementor-widget-text-editor\" data-id=\"1c7d5574\" 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>A dedu\u00e7\u00e3o de coordena\u00e7\u00e3o de CHF 25&#8217;095 deve ser deduzida deste valor, resultando num sal\u00e1rio m\u00e1ximo segurado de CHF 60&#8217;945 (&#8220;sal\u00e1rio coordenado&#8221;).<\/p><p>A taxa de convers\u00e3o para a pens\u00e3o de reforma \u00e9 actualmente de 6,8%.<\/p><p>Isto significa, por exemplo, que se tiver 100&#8217;000 CHF no seu fundo de pens\u00f5es, receber\u00e1 uma pens\u00e3o anual de 6&#8217;800 CHF do regime de previd\u00eancia profissional.<\/p><p>Quando a BVG foi introduzida em 1985, a taxa de convers\u00e3o era ainda de 7,2%. Este valor continuar\u00e1 a cair drasticamente; novas reformas poder\u00e3o agora reduzi-lo para 6%.<\/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<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-cc20af1 e-flex e-con-boxed e-con e-parent\" data-id=\"cc20af1\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d6b130 elementor-widget elementor-widget-heading\" data-id=\"7d6b130\" 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\"><a id=\"zinsesZinsRechner\">Quanto dinheiro irei receber quando me reformar?<\/a><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef155eb elementor-widget elementor-widget-heading\" data-id=\"ef155eb\" 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\">Calculadora de juros compostos<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-97c6d26 e-flex e-con-boxed e-con e-parent\" data-id=\"97c6d26\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5ef970c e-con-full e-flex e-con e-parent\" data-id=\"5ef970c\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d7080c3 elementor-widget elementor-widget-html\" data-id=\"d7080c3\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"container\">\r\n    <div class=\"row\">\r\n        <div class=\"col-md-6\" >\r\n            <div class=\"form-group\" id=\"grid-1\">\r\n                <label for=\"initial_deposit\">Capital inicial (CHF)<\/label>\r\n                <div class=\"row\">\r\n                    <div class=\"input-group col-md-6 col-sm-8\">\r\n                        <div class=\"input-group-prepend\">\r\n                        <\/div>\r\n                        <input class=\"form-control text-center\" id=\"initial_deposit\" type=\"text\" name=\"initial_deposit\" min=\"0\"    value=\"5000\" data-value=\"5000\" onfocus=\"this.value=''\">\r\n                        <div class=\"input-group-append\">\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n            <div class=\"form-group\" id=\"grid-2\">\r\n                <label for=\"contribution_amount\">Montante do dep\u00f3sito (CHF)<\/label>\r\n                <div class=\"row\">\r\n                    <div class=\"input-group col-md-6 col-sm-8\">\r\n                        <div class=\"input-group-prepend\">\r\n                        <\/div>\r\n                        <input class=\"form-control text-center\" id=\"contribution_amount\" type=\"text\" name=\"contribution_amount\" min=\"0\"  value=\"100\" data-value=\"100\" onfocus=\"this.value=''\">\r\n                        <div class=\"input-group-append\">\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                <div class=\"form-check form-check-inline radioContainer\">\r\n                    <input class=\"form-check-input radioIcon\" id=\"contribution_period_monthly\" type=\"radio\" name=\"contribution_period\" value=\"12\" checked>\r\n                    <label class=\"form-check-label \" for=\"contribution_period_monthly\">Mensal<\/label>\r\n                <\/div>\r\n                <div class=\"form-check form-check-inline radioContainer\">\r\n                    <input class=\"form-check-input radioIcon\" id=\"contribution_period_annually\" type=\"radio\" name=\"contribution_period\" value=\"1\">\r\n                    <label class=\"form-check-label\" for=\"contribution_period_annually\">Anualmente<\/label>\r\n                <\/div>\r\n            <\/div>\r\n            <div class=\"form-group\" id=\"grid-3\">\r\n                <label for=\"investment_timespan\">Tempo de dura\u00e7\u00e3o<\/label>\r\n                <div class=\"row\">\r\n                    <div class=\"col-md-6 col-sm-8\">\r\n                        <input class=\"form-control\" id=\"investment_timespan\" type=\"range\" name=\"investment_timespan\" min=\"2\" max=\"50\" step=\"1\" value=\"5\">\r\n                    <\/div>\r\n                <\/div>\r\n                <span id=\"investment_timespan_text\">5 Anos<\/span>\r\n            <\/div>\r\n            <div class=\"form-group\" id=\"grid-4\">\r\n                <label for=\"estimated_return\">Taxa de juro em %<\/label>\r\n                <div class=\"row\">\r\n                    <div class=\"input-group col-md-6 col-sm-8\">\r\n                        <div class=\"input-group-prepend\">\r\n                        <\/div>\r\n                        <input class=\"form-control text-center\" id=\"estimated_return\" type=\"text\" name=\"estimated_return\" min=\"0\" max=\"50\" value=\"5.00\" data-value=\"5.00\" onfocus=\"this.value=''\">\r\n                        <div class=\"input-group-append\">\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n            <div class=\"form-group row\" id=\"grid-5\">\r\n                <div class=\"col-sm-12\">\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n        <div class=\"col-md-6 text-center\">\r\n            <div id=\"gesamtKapital\">Total <\/div>\r\n            <div class=\"h3\" id=\"future_balance\">?<\/div>\r\n            <div class=\"h3\" id=\"gesamtZins\">\r\n                Juros totais\r\n            <\/div>\r\n            <div class=\"h3\" id=\"totaler_zins\">\r\n                ?\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-25963f5 e-flex e-con-boxed e-con e-parent\" data-id=\"25963f5\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f604480 elementor-widget elementor-widget-html\" data-id=\"f604480\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t    <div><canvas id=\"myChart\"><\/canvas>\n    <\/div>\n        <script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/Chart.js\/2.7.1\/Chart.js\"><\/script>\n        <script>(function () {\n        var initial_deposit = document.querySelector('#initial_deposit'),\n        contribution_amount = document.querySelector('#contribution_amount'),\n        investment_timespan = document.querySelector('#investment_timespan'),\n        investment_timespan_text = document.querySelector('#investment_timespan_text'),\n        estimated_return = document.querySelector('#estimated_return'),\n        future_balance = document.querySelector('#future_balance');\n      function updateValue(element, action) {\n      var min = parseFloat(element.getAttribute('min')),\n            max = parseFloat(element.getAttribute('max')),\n            step = parseFloat(element.getAttribute('step')) || 1,\n            oldValue = element.dataset.value || element.defaultValue || 0,\n            newValue = parseFloat(element.value.replace(\/\\$\/, ''));\n        if (isNaN(parseFloat(newValue))) {\n            newValue = oldValue;\n        } else {\n            if (action == 'add') {\n                newValue += step;\n            } else if (action == 'sub') {\n                newValue -= step;\n            }\n            newValue = newValue < min ? min : newValue > max ? max : newValue;\n        }\n        element.dataset.value = newValue;\n        element.value = (element.dataset.prepend || '') + newValue + (element.dataset.append || '');\n        updateChart();\n    }\n    \n    \n    \n    function ClearFields() {\n     document.getElementById(\"textfield1\").value = \"\";\n     document.getElementById(\"textfield2\").value = \"\";\n}\n\n\n    function getChartData() {\n        \n            currentYear = (new Date()).getFullYear(),\n            \/\/gets current year\n            currentMonth = new Date().getMonth();\n            \/\/gets month in digits\n             \n\n        var P = parseFloat(initial_deposit.dataset.value), \/\/ Principal\n            r = parseFloat(estimated_return.dataset.value \/ 100), \/\/ Annual Interest Rate\n            c = parseFloat(contribution_amount.dataset.value), \/\/ Contribution Amount\n            n = 1, \/\/ Compound Period\n            n2 = parseInt(document.querySelector('[name=\"contribution_period\"]:checked').value), \/\/ Contribution Period\n            t = parseInt(investment_timespan.value), \/\/ Investment Time Span\n            nSpecial=1-currentMonth;\n\n        var labels = [];\n        for (var year = currentYear; year < currentYear + t; year++) {\n            labels.push(year);\n        }\n        var principal_dataset = {\n            label: 'Capital sem juros',\n            backgroundColor: 'rgb(2, 41, 71)',\n            data: []\n        };\n        \n        var interest_dataset = {\n            label: \"Juros\",\n            backgroundColor: 'rgb(0, 76, 133)',\n            data: []\n        };\n        for (var i = 1; i <= t; i++) {\n            var principal = P + ( c * n2 * i ),\n                interest = 0,\n                balance = principal;\n            if (r) {\n                if(i==1){\n                var x = Math.pow(1+ r \/ nSpecial, nSpecial * i)\n                }else{\n                    var x = Math.pow(1+ r \/ n, n * i)\n                }\n                var compound_interest = P * x;\n                var contribution_interest = c * (x - 1) \/ (r \/ n2);\n                var interest = (compound_interest + contribution_interest - principal).toFixed(0)\n                balance = (compound_interest + contribution_interest).toFixed(0);\n            }\n\n            totaler_zins.innerHTML=interest+' CHF';\n            future_balance.innerHTML =balance+' CHF';\n            principal_dataset.data.push(principal);\n            interest_dataset.data.push(interest);\n        }\n\n        return {\n            labels: labels,\n            datasets: [principal_dataset, interest_dataset]\n        }\n    }\n    \n\n    function updateChart() {\n        var data = getChartData();\n\n        chart.data.labels = data.labels;\n        chart.data.datasets[0].data = data.datasets[0].data;\n        chart.data.datasets[1].data = data.datasets[1].data;\n        chart.update();\n        resetChart(chart)\n        \n    }\n\n    initial_deposit.addEventListener('change', function () {\n        updateValue(this);\n    });\n\n    contribution_amount.addEventListener('change', function () {\n        updateValue(this);\n    });\n\n    estimated_return.addEventListener('change', function () {\n        updateValue(this);\n    });\n\n    investment_timespan.addEventListener('change', function () {\n        investment_timespan_text.innerHTML = this.value + ' Years';\n        updateChart();\n    });\n\n    investment_timespan.addEventListener('input', function () {\n        investment_timespan_text.innerHTML = this.value + ' Anos';\n    });\n\n    var radios = document.querySelectorAll('[name=\"contribution_period\"], [name=\"compound_period\"]');\n    for (var j = 0; j < radios.length; j++) {\n        radios[j].addEventListener('change', updateChart);\n    }\n\n    var buttons = document.querySelectorAll('[data-counter]');\n    for (var i = 0; i < buttons.length; i++) {\n        var button = buttons[i];\n\n        button.addEventListener('click', function () {\n            var field = document.querySelector('[name=\"' + this.dataset.field + '\"]'),\n                action = this.dataset.counter;\n\n            if (field) {\n                updateValue(field, action);\n            }\n        });\n    }\n\n    var ctx = document.getElementById('myChart').getContext('2d'),\n        chart = new Chart(ctx, {\n            type: 'bar',\n            data: getChartData(),\n            options: {\n                legend: {\n                    display: false\n                },\n                tooltips: {\n                    mode: 'index',\n                    intersect: false,\n                    callbacks: {\n                        label: function (tooltipItem, data) {\n                            return data.datasets[tooltipItem.datasetIndex].label + ': CHF ' + tooltipItem.yLabel;\n                        }\n                    }\n                },\n        \n                scales: {\n                    xAxes: [{\n                        stacked: true,\n                        scaleLabel: {\n                            display: true,\n                            labelString: 'Ano'\n                        }\n                    }],\n                    yAxes: [{\n                        stacked: true,\n                        ticks: {\n                            callback: function (value) {\n                                return value+' CHF';\n                            }\n                        },\n                        scaleLabel: {\n                            display: true,\n                            labelString: 'Saldo'\n                        }\n                    }]\n                }\n            }\n        });\n\n})();\n<\/script>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-19805645 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"19805645\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-3deec13c\" data-id=\"3deec13c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-8eec5a7\" data-id=\"8eec5a7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3ab9a3b7 elementor-widget elementor-widget-heading\" data-id=\"3ab9a3b7\" 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\">Plano de pens\u00e3o no banco vs. plano de pens\u00e3o na companhia de seguros<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37354a2a elementor-widget elementor-widget-text-editor\" data-id=\"37354a2a\" 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>Pode fazer poupan\u00e7a atrav\u00e9s de um pilar 3a com o banco ou de um pilar 3a com a companhia de seguros.<\/p><p>Ambos s\u00e3o bastante adequados para a poupan\u00e7a de pens\u00f5es puras.<\/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<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-2971ee45\" data-id=\"2971ee45\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\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-109aa7ab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"109aa7ab\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-535a0328\" data-id=\"535a0328\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-410833fb elementor-widget elementor-widget-image\" data-id=\"410833fb\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1\" height=\"1\" src=\"https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Man-thinking-amico.svg\" class=\"attachment-large size-large wp-image-2545\" alt=\"\" \/>\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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-11cc6589\" data-id=\"11cc6589\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a634f73 elementor-widget elementor-widget-heading\" data-id=\"4a634f73\" 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\">Que perguntas me fa\u00e7o a mim pr\u00f3prio antes de come\u00e7ar a fazer uma poupan\u00e7a?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7c5fd0 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e7c5fd0\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Aproximadamente quanto dinheiro preciso na velhice para viver confortavelmente?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Quem pode garantir que eu irei realmente alcan\u00e7ar este objectivo de poupan\u00e7a?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62f127a9 elementor-widget elementor-widget-text-editor\" data-id=\"62f127a9\" 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>O seu banco ir\u00e1 certamente contact\u00e1-lo quando tiver poupado o suficiente e tentar vender o seu pr\u00f3prio produto.<br \/>E de facto, \u00e9 melhor poupar o dinheiro no pilar 3a no banco do que na conta poupan\u00e7a, porque a\u00ed n\u00e3o traz qualquer juro, mas possivelmente at\u00e9 juros negativos.<\/p><p><br \/>O banqueiro dir\u00e1 que \u00e9 completamente flex\u00edvel e que s\u00f3 tem de pagar para o fundo de pens\u00f5es quando o desejar.<\/p><p><br \/>No entanto, ao poupar para a reforma, a quest\u00e3o coloca-se:<\/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-120ea307 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"120ea307\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Ser\u00e1 realmente uma vantagem que eu s\u00f3 pago quando me apetece?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-281aca1e elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"281aca1e\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Facto engra\u00e7ado: Um pilar 3a no banco dura, em m\u00e9dia, apenas 2,5 anos!<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fb9ed8f elementor-widget elementor-widget-text-editor\" data-id=\"1fb9ed8f\" 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>No in\u00edcio, est\u00e1 motivado, e ao longo do tempo vai naquele cruzeiro de pre\u00e7o exagerado ou consegue aquela nova televis\u00e3o e esquece a disposi\u00e7\u00e3o &#8220;Fa\u00e7o-o mais tarde&#8221;.<\/p><p>Fora de vista, fora de mente &#8211; os \u00faltimos normalmente nunca chegam e \u00e9 preciso sobreviver na velhice com pouco menos de CHF 3&#8217;000 (por vezes muito menos).<\/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<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6abe47bc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6abe47bc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1064050b\" data-id=\"1064050b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2715e8d9 elementor-widget elementor-widget-heading\" data-id=\"2715e8d9\" 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\">O pilar 3a oferece alguma vantagem em termos de seguros?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5aea3183 elementor-widget elementor-widget-text-editor\" data-id=\"5aea3183\" 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>O seguro do 3. pilar j\u00e1 n\u00e3o \u00e9 t\u00e3o inflex\u00edvel como a maioria das pessoas pensa.<\/p><p>No passado, s\u00f3 se podia optar por uma ap\u00f3lice de seguro de vida mista, para al\u00e9m da cl\u00e1ssica ap\u00f3lice de seguro de vida.<\/p><p>Como resultado, a maioria dos pr\u00e9mios pagos durante os primeiros 3 anos foram para custos administrativos.<\/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-75adc410 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"75adc410\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Hoje pode investir numa unidade 3a e ter o dinheiro no terceiro pilar desde o primeiro dia.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2553b7fb elementor-widget elementor-widget-text-editor\" data-id=\"2553b7fb\" 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>Com o terceiro pilar na companhia de seguros, tamb\u00e9m pode fazer uma pausa nos pagamentos se, por exemplo, ficar desempregado por um per\u00edodo de tempo mais longo. A isto chama-se convers\u00e3o.<\/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-63fd9945 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"63fd9945\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">A grande vantagem do seguro do 3. pilar \u00e9 que o objectivo de poupan\u00e7a \u00e9 garantido para ser alcan\u00e7ado.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45b1eceb elementor-widget elementor-widget-text-editor\" data-id=\"45b1eceb\" 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>Enquanto com o banco apenas beneficia da dedu\u00e7\u00e3o fiscal e dos juros compostos, com o seguro tem a vantagem adicional de que o seu objectivo de poupan\u00e7a \u00e9 garantido caso ocorra um evento de risco.<\/p><p>Os tr\u00eas riscos s\u00e3o:<\/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-18132c34 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"18132c34\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Incapacidade de aquisi\u00e7\u00e3o<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pr\u00e9mios &amp; Poupan\u00e7a em falta<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Morte<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3b636591\" data-id=\"3b636591\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-460d8521 elementor-widget elementor-widget-image\" data-id=\"460d8521\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1\" height=\"1\" src=\"https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/At-the-office-amico.svg\" class=\"attachment-large size-large wp-image-2479\" alt=\"\" \/>\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<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-71110976 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"71110976\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-5691825b\" data-id=\"5691825b\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6abdb0b0 elementor-widget elementor-widget-heading\" data-id=\"6abdb0b0\" 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\">Risco: Incapacidade de aquisi\u00e7\u00e3o<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-263c9b2c elementor-widget elementor-widget-text-editor\" data-id=\"263c9b2c\" 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>Quer seja devido a um acidente ou a uma doen\u00e7a, pode afectar qualquer pessoa. Se n\u00e3o puder trabalhar, est\u00e1 geralmente dependente de um seguro de invalidez e os seus rendimentos s\u00e3o severamente limitados.<\/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-7981b7c7 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7981b7c7\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Opcionalmente, receber\u00e1 tamb\u00e9m uma pens\u00e3o complementar \u00e0 pens\u00e3o IV, tamb\u00e9m conhecida como pens\u00e3o por invalidez.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-581c1998 elementor-widget elementor-widget-text-editor\" data-id=\"581c1998\" 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>No in\u00edcio do contrato, o montante desta anuidade pode ser definido como uma op\u00e7\u00e3o. Isto \u00e9 normalmente CHF 1&#8217;000-2&#8217;000 por m\u00eas.<\/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-2bf270c7 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2bf270c7\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Die Pr\u00e4mie f\u00fcr diese Rente ist verh\u00e4ltnism\u00e4ssig sehr g\u00fcnstig.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\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<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-517fdd93\" data-id=\"517fdd93\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3898483c elementor-widget elementor-widget-heading\" data-id=\"3898483c\" 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\">Risco: <br>\nPr\u00e9mios &amp; Poupan\u00e7a em falta<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a122010 elementor-widget elementor-widget-text-editor\" data-id=\"3a122010\" 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>Quem continua a pagar os seus pr\u00e9mios mensais se os seus rendimentos diminu\u00edram devido \u00e0 defici\u00eancia?<\/p><p>O banco?<\/p><p>N\u00e3o. Apenas a companhia de seguros o faz.<\/p><p>A chamada isen\u00e7\u00e3o de pr\u00eamios est\u00e1 sempre inclu\u00edda e garante que o seguro assume seus pr\u00eamios se voc\u00ea n\u00e3o puder mais faz\u00ea-lo.<\/p><p><strong>Desta forma, o objectivo de poupan\u00e7a ser\u00e1 definitivamente atingido!<\/strong><\/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<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-24c69173\" data-id=\"24c69173\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3ec2df9a elementor-widget elementor-widget-heading\" data-id=\"3ec2df9a\" 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\">Risco:<br>\nMorte<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1141054a elementor-widget elementor-widget-text-editor\" data-id=\"1141054a\" 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>O risco de morte deve ser coberto especialmente se se tiver uma fam\u00edlia com filhos.<\/p><p>Porque se um dos pais ou o principal benefici\u00e1rio perder o seu rendimento, a diferen\u00e7a \u00e9 enorme.<\/p><p>Tamb\u00e9m faz sentido cobrir este risco se <strong>uma amortiza\u00e7\u00e3o indirecta da hipoteca atrav\u00e9s do 3. pilar estiver activa,<\/strong> porque desta forma o im\u00f3vel n\u00e3o tem de ser vendido em caso de morte.<\/p><p>A prop\u00f3sito, a amortiza\u00e7\u00e3o indirecta de uma hipoteca atrav\u00e9s do 3. pilar \u00e9 a forma mais inteligente de financiar a sua hipoteca.<\/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<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-41e4039e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"41e4039e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-29de0750\" data-id=\"29de0750\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-890d9e3 elementor-widget elementor-widget-heading\" data-id=\"890d9e3\" 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\">Vantagens da Amortiza\u00e7\u00e3o Indirecta para a sua Propriedade Dom\u00e9stica<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f2188e4 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3f2188e4\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-house-user\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M570.69,236.27,512,184.44V48a16,16,0,0,0-16-16H432a16,16,0,0,0-16,16V99.67L314.78,10.3C308.5,4.61,296.53,0,288,0s-20.46,4.61-26.74,10.3l-256,226A18.27,18.27,0,0,0,0,248.2a18.64,18.64,0,0,0,4.09,10.71L25.5,282.7a21.14,21.14,0,0,0,12,5.3,21.67,21.67,0,0,0,10.69-4.11l15.9-14V480a32,32,0,0,0,32,32H480a32,32,0,0,0,32-32V269.88l15.91,14A21.94,21.94,0,0,0,538.63,288a20.89,20.89,0,0,0,11.87-5.31l21.41-23.81A21.64,21.64,0,0,0,576,248.19,21,21,0,0,0,570.69,236.27ZM288,176a64,64,0,1,1-64,64A64,64,0,0,1,288,176ZM400,448H176a16,16,0,0,1-16-16,96,96,0,0,1,96-96h64a96,96,0,0,1,96,96A16,16,0,0,1,400,448Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">3a Pr\u00e9mio dedut\u00edvel do rendimento<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-house-user\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M570.69,236.27,512,184.44V48a16,16,0,0,0-16-16H432a16,16,0,0,0-16,16V99.67L314.78,10.3C308.5,4.61,296.53,0,288,0s-20.46,4.61-26.74,10.3l-256,226A18.27,18.27,0,0,0,0,248.2a18.64,18.64,0,0,0,4.09,10.71L25.5,282.7a21.14,21.14,0,0,0,12,5.3,21.67,21.67,0,0,0,10.69-4.11l15.9-14V480a32,32,0,0,0,32,32H480a32,32,0,0,0,32-32V269.88l15.91,14A21.94,21.94,0,0,0,538.63,288a20.89,20.89,0,0,0,11.87-5.31l21.41-23.81A21.64,21.64,0,0,0,576,248.19,21,21,0,0,0,570.69,236.27ZM288,176a64,64,0,1,1-64,64A64,64,0,0,1,288,176ZM400,448H176a16,16,0,0,1-16-16,96,96,0,0,1,96-96h64a96,96,0,0,1,96,96A16,16,0,0,1,400,448Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Juros dedut\u00edveis<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-house-user\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M570.69,236.27,512,184.44V48a16,16,0,0,0-16-16H432a16,16,0,0,0-16,16V99.67L314.78,10.3C308.5,4.61,296.53,0,288,0s-20.46,4.61-26.74,10.3l-256,226A18.27,18.27,0,0,0,0,248.2a18.64,18.64,0,0,0,4.09,10.71L25.5,282.7a21.14,21.14,0,0,0,12,5.3,21.67,21.67,0,0,0,10.69-4.11l15.9-14V480a32,32,0,0,0,32,32H480a32,32,0,0,0,32-32V269.88l15.91,14A21.94,21.94,0,0,0,538.63,288a20.89,20.89,0,0,0,11.87-5.31l21.41-23.81A21.64,21.64,0,0,0,576,248.19,21,21,0,0,0,570.69,236.27ZM288,176a64,64,0,1,1-64,64A64,64,0,0,1,288,176ZM400,448H176a16,16,0,0,1-16-16,96,96,0,0,1,96-96h64a96,96,0,0,1,96,96A16,16,0,0,1,400,448Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">A carga fiscal total permanece constantemente baixa<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-house-user\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M570.69,236.27,512,184.44V48a16,16,0,0,0-16-16H432a16,16,0,0,0-16,16V99.67L314.78,10.3C308.5,4.61,296.53,0,288,0s-20.46,4.61-26.74,10.3l-256,226A18.27,18.27,0,0,0,0,248.2a18.64,18.64,0,0,0,4.09,10.71L25.5,282.7a21.14,21.14,0,0,0,12,5.3,21.67,21.67,0,0,0,10.69-4.11l15.9-14V480a32,32,0,0,0,32,32H480a32,32,0,0,0,32-32V269.88l15.91,14A21.94,21.94,0,0,0,538.63,288a20.89,20.89,0,0,0,11.87-5.31l21.41-23.81A21.64,21.64,0,0,0,576,248.19,21,21,0,0,0,570.69,236.27ZM288,176a64,64,0,1,1-64,64A64,64,0,0,1,288,176ZM400,448H176a16,16,0,0,1-16-16,96,96,0,0,1,96-96h64a96,96,0,0,1,96,96A16,16,0,0,1,400,448Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Lucro de juros compostos<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f6533be elementor-widget elementor-widget-text-editor\" data-id=\"1f6533be\" 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>Est\u00e1 a pensar em comprar uma casa ou um apartamento, mas n\u00e3o sabe exactamente como financi\u00e1-lo?<\/p><p>Podemos ajud\u00e1-lo, basta entrar em contacto <a href=\"https:\/\/ajooda.ch\/pt\/contato\">aqui.<\/a><\/p><p>\u00a0<\/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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-991797b\" data-id=\"991797b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2e5cc00c elementor-widget elementor-widget-image\" data-id=\"2e5cc00c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1\" height=\"1\" src=\"https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Cabin-amico.svg\" class=\"attachment-large size-large wp-image-2567\" alt=\"\" \/>\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<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6843b26c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6843b26c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-39f8b78a\" data-id=\"39f8b78a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-6c99ac27\" data-id=\"6c99ac27\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3887262a elementor-widget elementor-widget-heading\" data-id=\"3887262a\" 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\">O 3. pilar tem alguma outra vantagem?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11595eb1 elementor-widget elementor-widget-text-editor\" data-id=\"11595eb1\" 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>Absolutamente, e h\u00e1 duas vantagens muito importantes a mencionar:<\/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<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-5bbf307b\" data-id=\"5bbf307b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\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-18b5da23 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"18b5da23\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-3c848d02\" data-id=\"3c848d02\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-18015ac2 elementor-widget elementor-widget-heading\" data-id=\"18015ac2\" 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\">Privil\u00e9gio sucess\u00f3rio<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a7b96dd elementor-widget elementor-widget-text-editor\" data-id=\"5a7b96dd\" 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>Se um testador morre, os descendentes herdam os seus bens e as suas d\u00edvidas.<\/p><p>Se o falecido estiver de tal forma endividado que a d\u00edvida exceda mesmo os bens, os descendentes devem renunciar \u00e0 heran\u00e7a a fim de n\u00e3o terem de suportar a d\u00edvida.<\/p><p><strong>O capital do 3. pilar \u00e9 pago aos herdeiros mesmo que estes rejeitem a heran\u00e7a devido ao sobreendividamento do falecido!<\/strong><\/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<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-475a524a\" data-id=\"475a524a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-2c8e05aa\" data-id=\"2c8e05aa\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-56e4c539 elementor-widget elementor-widget-heading\" data-id=\"56e4c539\" 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\">Privil\u00e9gio de bancarrota<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-367faa45 elementor-widget elementor-widget-text-editor\" data-id=\"367faa45\" 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>Se uma pessoa vai \u00e0 fal\u00eancia, tudo o que tem \u00e9 prometido para que possa pagar as suas d\u00edvidas o melhor que puder.<\/p><p><strong>Tudo pode ser prometido, excepto o capital do 3. pilar.<\/strong><\/p><p>O capital que possui no 3. pilar n\u00e3o lhe pode ser retirado e est\u00e1 protegido contra penhoras.<\/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<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3f558b6a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3f558b6a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-70025d30\" data-id=\"70025d30\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-73a62a2e elementor-widget elementor-widget-heading\" data-id=\"73a62a2e\" 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\">Conclus\u00e3o?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2659db55 elementor-widget elementor-widget-text-editor\" data-id=\"2659db55\" 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>Como v\u00ea, o 3. pilar tem muito mais do que apenas a vantagem de ter capital suficiente para viver sem stress na velhice.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6bc889e1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6bc889e1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1de09fa7\" data-id=\"1de09fa7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7935ea58 elementor-widget elementor-widget-image\" data-id=\"7935ea58\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"768\" height=\"768\" src=\"https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/7-Vorteile-der-3.-Saule-768x768-1.png\" class=\"attachment-large size-large wp-image-2568\" alt=\"\" srcset=\"https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/7-Vorteile-der-3.-Saule-768x768-1.png 768w, https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/7-Vorteile-der-3.-Saule-768x768-1-300x300.png 300w, https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/7-Vorteile-der-3.-Saule-768x768-1-150x150.png 150w, https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/7-Vorteile-der-3.-Saule-768x768-1-50x50.png 50w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1f696545\" data-id=\"1f696545\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-58d7599f elementor-widget elementor-widget-heading\" data-id=\"58d7599f\" 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\">As 7 vantagens do 3. pilar<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c03f827 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7c03f827\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chart-line\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M496 384H64V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-32c0-8.84-7.16-16-16-16zM464 96H345.94c-21.38 0-32.09 25.85-16.97 40.97l32.4 32.4L288 242.75l-73.37-73.37c-12.5-12.5-32.76-12.5-45.25 0l-68.69 68.69c-6.25 6.25-6.25 16.38 0 22.63l22.62 22.62c6.25 6.25 16.38 6.25 22.63 0L192 237.25l73.37 73.37c12.5 12.5 32.76 12.5 45.25 0l96-96 32.4 32.4c15.12 15.12 40.97 4.41 40.97-16.97V112c.01-8.84-7.15-16-15.99-16z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Aumentar o capital atrav\u00e9s de juros compostos (quanto mais cedo, melhor)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-piggy-bank\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M560 224h-29.5c-8.8-20-21.6-37.7-37.4-52.5L512 96h-32c-29.4 0-55.4 13.5-73 34.3-7.6-1.1-15.1-2.3-23-2.3H256c-77.4 0-141.9 55-156.8 128H56c-14.8 0-26.5-13.5-23.5-28.8C34.7 215.8 45.4 208 57 208h1c3.3 0 6-2.7 6-6v-20c0-3.3-2.7-6-6-6-28.5 0-53.9 20.4-57.5 48.6C-3.9 258.8 22.7 288 56 288h40c0 52.2 25.4 98.1 64 127.3V496c0 8.8 7.2 16 16 16h64c8.8 0 16-7.2 16-16v-48h128v48c0 8.8 7.2 16 16 16h64c8.8 0 16-7.2 16-16v-80.7c11.8-8.9 22.3-19.4 31.3-31.3H560c8.8 0 16-7.2 16-16V240c0-8.8-7.2-16-16-16zm-128 64c-8.8 0-16-7.2-16-16s7.2-16 16-16 16 7.2 16 16-7.2 16-16 16zM256 96h128c5.4 0 10.7.4 15.9.8 0-.3.1-.5.1-.8 0-53-43-96-96-96s-96 43-96 96c0 2.1.5 4.1.6 6.2 15.2-3.9 31-6.2 47.4-6.2z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Poupar at\u00e9 CHF 2'500 em impostos por ano<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-house-user\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M570.69,236.27,512,184.44V48a16,16,0,0,0-16-16H432a16,16,0,0,0-16,16V99.67L314.78,10.3C308.5,4.61,296.53,0,288,0s-20.46,4.61-26.74,10.3l-256,226A18.27,18.27,0,0,0,0,248.2a18.64,18.64,0,0,0,4.09,10.71L25.5,282.7a21.14,21.14,0,0,0,12,5.3,21.67,21.67,0,0,0,10.69-4.11l15.9-14V480a32,32,0,0,0,32,32H480a32,32,0,0,0,32-32V269.88l15.91,14A21.94,21.94,0,0,0,538.63,288a20.89,20.89,0,0,0,11.87-5.31l21.41-23.81A21.64,21.64,0,0,0,576,248.19,21,21,0,0,0,570.69,236.27ZM288,176a64,64,0,1,1-64,64A64,64,0,0,1,288,176ZM400,448H176a16,16,0,0,1-16-16,96,96,0,0,1,96-96h64a96,96,0,0,1,96,96A16,16,0,0,1,400,448Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Amortiza\u00e7\u00e3o indirecta de hipoteca<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm144 276c0 6.6-5.4 12-12 12h-92v92c0 6.6-5.4 12-12 12h-56c-6.6 0-12-5.4-12-12v-92h-92c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h92v-92c0-6.6 5.4-12 12-12h56c6.6 0 12 5.4 12 12v92h92c6.6 0 12 5.4 12 12v56z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pens\u00e3o adicional de invalidez<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-child\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M120 72c0-39.765 32.235-72 72-72s72 32.235 72 72c0 39.764-32.235 72-72 72s-72-32.236-72-72zm254.627 1.373c-12.496-12.497-32.758-12.497-45.254 0L242.745 160H141.254L54.627 73.373c-12.496-12.497-32.758-12.497-45.254 0-12.497 12.497-12.497 32.758 0 45.255L104 213.254V480c0 17.673 14.327 32 32 32h16c17.673 0 32-14.327 32-32V368h16v112c0 17.673 14.327 32 32 32h16c17.673 0 32-14.327 32-32V213.254l94.627-94.627c12.497-12.497 12.497-32.757 0-45.254z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Proteger a fam\u00edlia<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-money-bill-alt\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M352 288h-16v-88c0-4.42-3.58-8-8-8h-13.58c-4.74 0-9.37 1.4-13.31 4.03l-15.33 10.22a7.994 7.994 0 0 0-2.22 11.09l8.88 13.31a7.994 7.994 0 0 0 11.09 2.22l.47-.31V288h-16c-4.42 0-8 3.58-8 8v16c0 4.42 3.58 8 8 8h64c4.42 0 8-3.58 8-8v-16c0-4.42-3.58-8-8-8zM608 64H32C14.33 64 0 78.33 0 96v320c0 17.67 14.33 32 32 32h576c17.67 0 32-14.33 32-32V96c0-17.67-14.33-32-32-32zM48 400v-64c35.35 0 64 28.65 64 64H48zm0-224v-64h64c0 35.35-28.65 64-64 64zm272 192c-53.02 0-96-50.15-96-112 0-61.86 42.98-112 96-112s96 50.14 96 112c0 61.87-43 112-96 112zm272 32h-64c0-35.35 28.65-64 64-64v64zm0-224c-35.35 0-64-28.65-64-64h64v64z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">O objectivo de poupan\u00e7a \u00e9 garantido (isen\u00e7\u00e3o de pr\u00e9mios)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-hand-holding-usd\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M271.06,144.3l54.27,14.3a8.59,8.59,0,0,1,6.63,8.1c0,4.6-4.09,8.4-9.12,8.4h-35.6a30,30,0,0,1-11.19-2.2c-5.24-2.2-11.28-1.7-15.3,2l-19,17.5a11.68,11.68,0,0,0-2.25,2.66,11.42,11.42,0,0,0,3.88,15.74,83.77,83.77,0,0,0,34.51,11.5V240c0,8.8,7.83,16,17.37,16h17.37c9.55,0,17.38-7.2,17.38-16V222.4c32.93-3.6,57.84-31,53.5-63-3.15-23-22.46-41.3-46.56-47.7L282.68,97.4a8.59,8.59,0,0,1-6.63-8.1c0-4.6,4.09-8.4,9.12-8.4h35.6A30,30,0,0,1,332,83.1c5.23,2.2,11.28,1.7,15.3-2l19-17.5A11.31,11.31,0,0,0,368.47,61a11.43,11.43,0,0,0-3.84-15.78,83.82,83.82,0,0,0-34.52-11.5V16c0-8.8-7.82-16-17.37-16H295.37C285.82,0,278,7.2,278,16V33.6c-32.89,3.6-57.85,31-53.51,63C227.63,119.6,247,137.9,271.06,144.3ZM565.27,328.1c-11.8-10.7-30.2-10-42.6,0L430.27,402a63.64,63.64,0,0,1-40,14H272a16,16,0,0,1,0-32h78.29c15.9,0,30.71-10.9,33.25-26.6a31.2,31.2,0,0,0,.46-5.46A32,32,0,0,0,352,320H192a117.66,117.66,0,0,0-74.1,26.29L71.4,384H16A16,16,0,0,0,0,400v96a16,16,0,0,0,16,16H372.77a64,64,0,0,0,40-14L564,377a32,32,0,0,0,1.28-48.9Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Privil\u00e9gio de heran\u00e7a &amp; Privil\u00e9gio de bancarrota (ningu\u00e9m pode tirar-lhe os seus bens)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68f01567 elementor-widget elementor-widget-text-editor\" data-id=\"68f01567\" 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>O 3. pilar pode ser adaptado \u00e0s suas necessidades. Tamb\u00e9m se pode escolher entre diferentes solu\u00e7\u00f5es de fundos.<\/p>\n<p>\u00c9 algu\u00e9m que quer obter maiores lucros e aceita um risco mais elevado ou algu\u00e9m que joga pelo seguro e prefere uma carteira conservadora?<\/p>\n<p>A estrat\u00e9gia de investimento tamb\u00e9m pode ser alterada posteriormente.<\/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<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\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-c8087b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c8087b1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-548285fd\" data-id=\"548285fd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6fd2bef7 elementor-widget elementor-widget-heading\" data-id=\"6fd2bef7\" 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\">O seu conselho individual de pens\u00e3o na ajooda<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27029a7e elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"27029a7e\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Temos estado activos na consultoria de pens\u00f5es desde 2010 e j\u00e1 fomos capazes de apoiar mais de 1'000 clientes na sua poupan\u00e7a e planeamento de pens\u00f5es.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72504e29 elementor-widget elementor-widget-text-editor\" data-id=\"72504e29\" 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>Atrav\u00e9s da nossa estreita coopera\u00e7\u00e3o com os maiores bancos e companhias de seguros su\u00ed\u00e7as, obt\u00e9m acesso aos melhores fundos de investimento 3a.<\/p><p><strong>Oferecemos consultas pessoalmente ou atrav\u00e9s de equipas Zoom\/Microsoft.<\/strong><\/p><p>A sua maior vantagem \u00e9 a nossa experi\u00eancia nos mercados e fundos de ac\u00e7\u00f5es. Conhecemos os r\u00e1cios de despesas totais (TER) e os retornos alfa de todos os fundos na Su\u00ed\u00e7a.<\/p><p>Como a provis\u00e3o de pens\u00f5es \u00e9 uma quest\u00e3o de longo prazo, queremos assegurar que pode poupar o m\u00e1ximo de capital poss\u00edvel para a sua reforma (antecipada).<\/p><p><strong><span style=\"text-decoration: underline;\">Nos \u00faltimos 10 anos, temos sido capazes de facilitar uma m\u00e9dia de 8-10% de retorno l\u00edquido por ano para os nossos clientes.<\/span><\/strong><\/p><p><strong><span style=\"text-decoration: underline;\">Isto \u00e9 cerca de 250% de crescimento no valor do seu dinheiro ao longo de 10 anos.<\/span><\/strong><\/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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-62fb1e0e\" data-id=\"62fb1e0e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7260344b elementor-widget elementor-widget-image\" data-id=\"7260344b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1\" height=\"1\" src=\"https:\/\/ajooda.ch\/pt\/wp-content\/uploads\/sites\/3\/2022\/08\/Product-quality-pana.svg\" class=\"attachment-large size-large wp-image-2480\" alt=\"\" \/>\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<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Porque \u00e9 que cada vez mais su\u00ed\u00e7os t\u00eam um terceiro pilar? Porque \u00e9 que cada vez mais portugueses est\u00e3o a fazer provis\u00f5es com o terceiro pilar? Poupar at\u00e9 CHF 2&#8217;500 em impostos anualmente Aqueles que come\u00e7am mais tarde ser\u00e3o punidos\u200b AHV deixar\u00e1 de oferecer uma pens\u00e3o daqui a 20-30 anos Aceitar a reforma antecipada com [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":3250,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Poupar impostos - ajooda AG | Contabilidade, Consultoria em gest\u00e3o, Impostos, Seguros<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ajooda.ch\/pt\/terceiro-pilar-na-suica\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Poupar impostos - ajooda AG | Contabilidade, Consultoria em gest\u00e3o, Impostos, Seguros\" \/>\n<meta property=\"og:description\" content=\"Porque \u00e9 que cada vez mais su\u00ed\u00e7os t\u00eam um terceiro pilar? Porque \u00e9 que cada vez mais portugueses est\u00e3o a fazer provis\u00f5es com o terceiro pilar? 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