Mais Rendimento Flexível

Boost your retirement savings

Exclusive for retirees who want a supplement to their monthly retirement pay.

Only at branches

2 retired couples sailing towards the sun

Mais Rendimento Flexível

Boost your retirement savings

Exclusive for retirees who want a supplement to their monthly retirement pay.

Only at branches

Mais Rendimento Flexível

Benefits How much is it How to get it Related topics

Receive regular amount automatically and according to your needs.

Possibility to convert part of your assets into a monthly retirement supplement, keeping the capital invested and with potential valorization.

Take advantage of tax benefits on the income generated.

8% taxation on the financial income for the first 10 years of the contract, and IRS inclusion in Category H (Pensions) as of the 10th year.

Have a personalized management of your financial assets.

The management of your financial assets is done by professionals with long experience in their fields of activity.

You can withdraw your assets at any time during the contract.

A solution that gives you more peace of mind and flexibility should you need to lift existing assets.

If you are over 65 years old you are exempt from capital gains taxation.

It applies to people who sell their permanent housing and reinvest the proceeds, within the next 6 months, in an insurance contract or pension fund that provides a regular periodic benefit.

Choose the risk level that suits you best.

You can choose among several risk levels, defining the level of potential valorizarion of your assets.

Choose the monthly amount you want to receive according to your needs.

Choose how much of your assets you want to receive as monthly income, being able to adjust it annually.

You can leave the remaining amount to the beneficiaries you choose.

In the event of death, the existing estate passes to the beneficiaries, who can continue to receive the monthly supplement or choose to receive the entire amount in capital.

Benefits and characteristics

Invest in your retirement

Receive regular amount automatically and according to your needs.

View more

Possibility to convert part of your assets into a monthly retirement supplement, keeping the capital invested and with potential valorization.

Take advantage of tax benefits on the income generated.

View more

8% taxation on the financial income for the first 10 years of the contract, and IRS inclusion in Category H (Pensions) as of the 10th year.

Have a personalized management of your financial assets.

View more

The management of your financial assets is done by professionals with long experience in their fields of activity.

You can withdraw your assets at any time during the contract.

View more

A solution that gives you more peace of mind and flexibility should you need to lift existing assets.

If you are over 65 years old you are exempt from capital gains taxation.

View more

It applies to people who sell their permanent housing and reinvest the proceeds, within the next 6 months, in an insurance contract or pension fund that provides a regular periodic benefit.

Choose the risk level that suits you best.

View more

You can choose among several risk levels, defining the level of potential valorizarion of your assets.

Choose the monthly amount you want to receive according to your needs.

View more

Choose how much of your assets you want to receive as monthly income, being able to adjust it annually.

You can leave the remaining amount to the beneficiaries you choose.

View more

In the event of death, the existing estate passes to the beneficiaries, who can continue to receive the monthly supplement or choose to receive the entire amount in capital.

Benefits and characteristics

Invest in your retirement

Receive regular amount automatically and according to your needs.

View more

Possibility to convert part of your assets into a monthly retirement supplement, keeping the capital invested and with potential valorization.

Take advantage of tax benefits on the income generated.

View more

8% taxation on the financial income for the first 10 years of the contract, and IRS inclusion in Category H (Pensions) as of the 10th year.

Have a personalized management of your financial assets.

View more

The management of your financial assets is done by professionals with long experience in their fields of activity.

You can withdraw your assets at any time during the contract.

View more

A solution that gives you more peace of mind and flexibility should you need to lift existing assets.

If you are over 65 years old you are exempt from capital gains taxation.

View more

It applies to people who sell their permanent housing and reinvest the proceeds, within the next 6 months, in an insurance contract or pension fund that provides a regular periodic benefit.

Choose the risk level that suits you best.

View more

You can choose among several risk levels, defining the level of potential valorizarion of your assets.

Choose the monthly amount you want to receive according to your needs.

View more

Choose how much of your assets you want to receive as monthly income, being able to adjust it annually.

You can leave the remaining amount to the beneficiaries you choose.

View more

In the event of death, the existing estate passes to the beneficiaries, who can continue to receive the monthly supplement or choose to receive the entire amount in capital.

Investment types

Choose the one that suits you

Life cycle
The amount invested is automatically distributed among the different strategies, according to the Customer's age.

Funds choice
Choose how you want to distribute your investment among the existing strategies.

Investment strategies

The right strategy will take you further

Horizon Stocks

Medium-High Risk

Long-term

55% core stock allocation

See details

Horizon Security

Medium-low risk

Short/medium term

0% core stock allocation

See details

Horizon Valuation

Medium risk

Medium/Long Term

25% core stock allocation

See details

Pension fund fees and costs

Know what you can count on

Discover the associated fees

Subscription commission
0.0% 0.0%

This commission may be charged in the future to cover the costs of issuance.

Strategy Change Commission
0.0% 0.0%

You can change your strategy annually, at the end of the year, to take effect in January of the following year.

Early repayment fee
0.0% 0.0%

However, if you want to redeem your Participant Account units early (in full or in an alternative way), you will be charged the following fees: 1% in the 1st year, 0.5% in the 2nd and 3rd years, and 0% from the 4th year onwards. Stamp Duty is applicable to the redemption fee.

Financial management fee

Horizon Security
0.8% 0.8%

Horizon Valuation
0.95% 0.95%

Horizon Stocks
1.25% 1.25%

Legal beneficiaries

In case of life: Participant

In case of death: benefits shall be paid in the following order:

1, 2, 3 and that’s it!

Preparing for retirement has never been so easy

Go to a branch
Go to a branch

and ask for the Mais Rendimento Flexível Fund.
and ask for the Mais Rendimento Flexível Fund.

Confirm the request
Confirm the request

fill in your details and accept the legal documents.
fill in your details and accept the legal documents.

Get confirmation
Get confirmation

by email as soon as it is approved.
by email as soon as it is approved.

What do you need?
What do you need?

A current account at Millennium
A current account at Millennium

To be retired
To be retired

1, 2, 3 and that’s it!

Preparing for retirement has never been so easy

Go to a branch
Go to a branch

and ask for the Mais Rendimento Flexível Fund.
and ask for the Mais Rendimento Flexível Fund.

Confirm the request
Confirm the request

fill in your details and accept the legal documents.
fill in your details and accept the legal documents.

Get confirmation
Get confirmation

by email as soon as it is approved.
by email as soon as it is approved.

What do you need?
What do you need?

A current account at Millennium
A current account at Millennium

To be retired
To be retired

Related topics

Continue exploring our offer

Investments
Investments

Dive into the investment world with us
Dive into the investment world with us

View investment products

View investments

Poupança Reforço Frequente
Poupança Reforço Frequente

Save starting from €100 with monthly interest
Save starting from €100 with monthly interest

View Poupança Reforço Frequente

View saving

Poupança Reforço Prestige
Poupança Reforço Prestige

Save from €250 with a 2.75% rate
Save from €250 with a 2.75% rate

View Poupança Reforço Prestige

View saving

Seguros financeiros
Seguros financeiros

Invest for profit in the medium and long term
Invest for profit in the medium and long term

View financial insurance

View financial insurance

Investments
Investments

Dive into the investment world with us
Dive into the investment world with us

View investment products

View investments

Poupança Reforço Frequente
Poupança Reforço Frequente

Save starting from €100 with monthly interest
Save starting from €100 with monthly interest

View Poupança Reforço Frequente

View saving

Poupança Reforço Prestige
Poupança Reforço Prestige

Save from €250 with a 2.75% rate
Save from €250 with a 2.75% rate

View Poupança Reforço Prestige

View saving

Seguros financeiros
Seguros financeiros

Invest for profit in the medium and long term
Invest for profit in the medium and long term

View financial insurance

View financial insurance

Start planning your retirement on the app

Explore app

Legal documents and other information

Informative Document
Download

Management Regulation
Download

This does not dispense with consulting the legally required pre-contractual and contractual information.

Insurance Intermediary: Banco Comercial Português, S.A., with Registered Office at Praça D. João I, no. 28, 4000295 Porto - Share Capital 3.000.000.000,00 Euros - Unique Registry and Corporate Body no. 501525882. Insurance Agent registered with the Insurance and Pension Funds Supervisory Authority under number 419527602 - Registration Date: 21/01/2019. Authorization for Life and Non-Life insurance mediation with Ocidental - Companhia Portuguesa de Seguros de Vida, S.A., Ageas Portugal - Companhia de Seguros, S.A. and Médis - Companhia Portuguesa de Seguros de Saúde, S.A. and also with Ocidental - Sociedade Gestora de Fundos de Pensões, S.A. Information and other registration details can be checked at www.asf.pt. The Intermediary is not authorized to enter into insurance contracts on behalf of the Insurer nor to receive insurance premiums to be delivered to the Insurer. The Intermediary does not assume the coverage of the risks inherent to the insurance contract, which are fully assumed by the Insurer.

Ageas Portugal - Companhia de Seguros, S.A., head office Praça Príncipe Perfeito 2, 1990-278 Lisbon. Registration / Taxpayer number 503454109. CRC Porto. Share Capital 7.500.000 Euros. ASF Registration No. 1129, verifiable on the ASF Website.