Conservative Unit-Linked Investment in Portugal

The information provided on this page is for general informational, educational and commercial purposes only and is intended to present, in broad terms, insurance-based savings and investment solutions, including Retirement Savings Plans (PPRs), Unit Linked life insurance products, capitalisation contracts and other medium- or long-term savings structures distributed through insurance channels. This information does not constitute financial, investment, tax or legal advice, nor does it constitute a personalised recommendation to subscribe, maintain, modify, transfer, switch, redeem or surrender any product.

PPRs and Unit Linked products may involve risks, including market risk, liquidity risk, credit risk, currency risk, interest rate risk, inflation risk, counterparty risk, operational risk, regulatory risk and the risk of partial or total loss of the capital invested. Unless an express guarantee is provided in the contractual terms and conditions of the product, neither the invested capital nor the return is guaranteed. The value of the investment may rise or fall, and past performance is not a reliable indicator of future results.

Insurance-based savings and investment products are not equivalent to bank deposits and should not be understood as risk-free savings accounts. Depending on the product structure, the value payable to the policyholder, insured person or beneficiary may depend, directly or indirectly, on the performance of underlying funds, financial markets, reference assets, units of participation or the investment policy defined by the insurance undertaking or product manufacturer. Any capital protection, death benefit, beneficiary clause, guaranteed rate, minimum return, depreciation compensation or other protection mechanism applies only where expressly provided in the official contractual documentation and subject to the limits, exclusions, valuation rules and conditions stated therein.

Where the product is linked to investment funds or other market-exposed assets, the financial risk is generally borne, in whole or in part, by the policyholder or investor. Redemptions, partial withdrawals, transfers, switches, cancellations or early surrenders may be subject to contractual restrictions, valuation dates, settlement periods, minimum holding periods, commissions, penalties, market value adjustments, minimum remaining balances or temporary liquidity limitations. In periods of market stress, exceptional volatility, suspension of underlying funds or operational disruption, redemption or switching may be delayed, restricted or processed at a value different from that expected by the client.

Any reference to tax benefits, reduced taxation, PPR deductions, favourable redemption regimes or long-term fiscal advantages is provided only as general information based on the legislation understood to be applicable at the date of publication. Tax treatment may depend on the client’s tax residence, age, personal circumstances, annual IRS position, product type, contribution history, holding period, redemption reason and compliance with the legal conditions in force. Tax law, administrative interpretation and reporting obligations may change over time, and any tax advantage may be reduced, suspended, withdrawn or lost where the applicable legal or contractual conditions are not met.

Before subscribing to any product, the client must carefully read all applicable pre-contractual and contractual documentation, including, where applicable, the Key Information Document (KID/DIF), the Information Note, the General, Special and/or Particular Conditions, information on risks, costs and charges, the investment policy, recommended holding period, surrender/redemption conditions and applicable tax regime. Any subscription decision must be made consciously and on an informed basis, taking into account the client’s investment objectives, knowledge and experience, financial situation, ability to bear losses, investment horizon and risk tolerance.

The subscription of insurance-based investment products is subject to the legally required suitability or appropriateness assessment, acceptance by the insurance undertaking and the specific terms and conditions of each product. The tax treatment of PPRs and other savings or investment products depends on the personal circumstances of the client and on the tax legislation in force, which may change over time. Early redemptions, transfers or contractual changes may result in penalties, charges, loss of tax benefits or other tax consequences.

C1 Broker® is a commercial brand of Wiseg Mediación de Seguros, S.L., an insurance brokerage authorised to distribute Life and Non-Life insurance, DGSFP Code J-3790, authorised to operate in Portugal through branch registration no. ASFFP 923047667. C1 Broker may receive remuneration from insurance undertakings for the distribution of insurance products, namely through commission included in the premium or product value, without prejudice to its duty to act honestly, fairly, professionally and in the best interests of the client. The client may request additional information on the nature and amount of the applicable remuneration.

For further information, personalised clarification or access to the legal documentation of any product, please contact C1 Broker before making any subscription decision.