The SRRI and personal pension funds

Detalhes bibliográficos
Autor(a) principal: Ziolkowski, Maria
Data de Publicação: 2018
Tipo de documento: Dissertação
Idioma: eng
Título da fonte: Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
Texto Completo: http://hdl.handle.net/10400.5/16399
Resumo: Mestrado em Economia Monetária e Financeira
id RCAP_80b8c0a5b0aed021f8a9be54a27b857d
oai_identifier_str oai:www.repository.utl.pt:10400.5/16399
network_acronym_str RCAP
network_name_str Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
repository_id_str 7160
spelling The SRRI and personal pension fundsPEPPpersonal pension fundsthird pillarregulationfinancial marketsMestrado em Economia Monetária e FinanceiraRegulatory tendencies in the European Union have increased since the crisis of 07/08. The regulator has imposed a new set of prudential rules to increase the stability of financial markets; one of the focuses was the transparency of costs and fees for customers regulated through Mifid I and II. However, most of these regulations have not had any impact on the third pillar of pension systems - such as voluntary personal pension funds. They are currently regulated mostly by national directives but the EU wide regulators will centralize regulation and introduce a Pan European Personal Pension Product (PEPP) in the coming months. In the light of modern demographic developments, such as raising life expectancy, lower birth rates and the generation of baby boomers to retire soon, the dependency ratio is rising and will most likely continue to rise. The future of state funded pensions is uncertain. Saving money might not be enough to preserve purchasing power. In this thesis I discuss based on proxies from which risk level onwards (based on the regulator's classification), investments are able to overcome the inflation threshold. I come to the conclusion that this is category 4 based on the Synthetic Risk and Reward Indicator (SRRI) categorization. Summarizing, investments in lower categories might not be beneficial for investors. As the PEPP is supposed to have a default option, the risk category of this option will have a huge impact on the financial well-being of future generations once they retire if they choose this investment vehicle.Instituto Superior de Economia e GestãoGarcia, Maria TeresaRepositório da Universidade de LisboaZiolkowski, Maria2018-11-26T14:32:20Z2018-102018-10-01T00:00:00Zinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisapplication/pdfhttp://hdl.handle.net/10400.5/16399engZiolkowski, Maria (2018). "The SRRI and personal pension funds". Dissertação de Mestrado, Universidade de Lisboa. Instituto Superior de Economia e Gestão.info:eu-repo/semantics/openAccessreponame:Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)instname:Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informaçãoinstacron:RCAAP2023-03-06T14:46:13Zoai:www.repository.utl.pt:10400.5/16399Portal AgregadorONGhttps://www.rcaap.pt/oai/openaireopendoar:71602024-03-19T17:01:48.854711Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) - Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informaçãofalse
dc.title.none.fl_str_mv The SRRI and personal pension funds
title The SRRI and personal pension funds
spellingShingle The SRRI and personal pension funds
Ziolkowski, Maria
PEPP
personal pension funds
third pillar
regulation
financial markets
title_short The SRRI and personal pension funds
title_full The SRRI and personal pension funds
title_fullStr The SRRI and personal pension funds
title_full_unstemmed The SRRI and personal pension funds
title_sort The SRRI and personal pension funds
author Ziolkowski, Maria
author_facet Ziolkowski, Maria
author_role author
dc.contributor.none.fl_str_mv Garcia, Maria Teresa
Repositório da Universidade de Lisboa
dc.contributor.author.fl_str_mv Ziolkowski, Maria
dc.subject.por.fl_str_mv PEPP
personal pension funds
third pillar
regulation
financial markets
topic PEPP
personal pension funds
third pillar
regulation
financial markets
description Mestrado em Economia Monetária e Financeira
publishDate 2018
dc.date.none.fl_str_mv 2018-11-26T14:32:20Z
2018-10
2018-10-01T00:00:00Z
dc.type.status.fl_str_mv info:eu-repo/semantics/publishedVersion
dc.type.driver.fl_str_mv info:eu-repo/semantics/masterThesis
format masterThesis
status_str publishedVersion
dc.identifier.uri.fl_str_mv http://hdl.handle.net/10400.5/16399
url http://hdl.handle.net/10400.5/16399
dc.language.iso.fl_str_mv eng
language eng
dc.relation.none.fl_str_mv Ziolkowski, Maria (2018). "The SRRI and personal pension funds". Dissertação de Mestrado, Universidade de Lisboa. Instituto Superior de Economia e Gestão.
dc.rights.driver.fl_str_mv info:eu-repo/semantics/openAccess
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.publisher.none.fl_str_mv Instituto Superior de Economia e Gestão
publisher.none.fl_str_mv Instituto Superior de Economia e Gestão
dc.source.none.fl_str_mv reponame:Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
instname:Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação
instacron:RCAAP
instname_str Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação
instacron_str RCAAP
institution RCAAP
reponame_str Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
collection Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
repository.name.fl_str_mv Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) - Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação
repository.mail.fl_str_mv
_version_ 1799131107704176640

Registros relacionados