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O ambiente de crise que se vive em Portugal desde 2008 despertou nas famílias e empresas portuguesas uma maior consciência da necessidade de poupar. A poupança e a crise têm uma harmonização difícil e a parcela do rendimento disponível com destino à poupança é cada vez menor.
Hoje em dia, estamos perante uma nova realidade, uma realidade em que muitos portugueses reavaliam a aplicação das suas poupanças para fazer face a novas necessidades. A crise e as mudanças fiscais têm moldado as alterações nas decisões de investimento.
E, por isso, as novas utilidades e necessidades vão sendo encontradas para essa poupança, e aqui a poupança vai deixando de ser o remanescente do consumo e passa a ser uma prioridade, um objetivo e um esforço delineado de longo prazo.
No contexto atual de redução de salários e aumento de impostos, a poupança ainda que desejável por todos é cada vez mais um objetivo difícil de concretizar. Estamos perante um desafio de mudança de hábitos e mentalidades.
Assim, esta análise pretende explicar quais as determinantes primordiais que condicionam as opções dos portugueses por produtos de investimento e de poupança.
The crisis environment that we have been living in Portugal since 2008, has made the Portuguese families and companies more aware of their need to save. The saving and the crisis have both a difficult harmonization and the parcel of the available income intended to be saved has decreased significantly. Nowadays, we are facing a new reality, which is for a lot of Portuguese people a synonym of reevaluation of the way the thrift is used so to face the new needs. The crisis and the tax changes have molded the investment decisions alterations itself. This is why the new utilities and needs will be found for this thrift, and this way the thrift will no longer be the remaining of the consumption, but a priority instead, a goal and an effort forged in a long term. In the current context of wages reduction and taxes increase, even if desirable by all, the thrift is a goal even more difficult to achieve. We stand before a challenge for the change of habits and mentalities. Thus, this analysis intends to explain which are the primary determinants, which condition the Portuguese options in terms of investment and saving products.
The crisis environment that we have been living in Portugal since 2008, has made the Portuguese families and companies more aware of their need to save. The saving and the crisis have both a difficult harmonization and the parcel of the available income intended to be saved has decreased significantly. Nowadays, we are facing a new reality, which is for a lot of Portuguese people a synonym of reevaluation of the way the thrift is used so to face the new needs. The crisis and the tax changes have molded the investment decisions alterations itself. This is why the new utilities and needs will be found for this thrift, and this way the thrift will no longer be the remaining of the consumption, but a priority instead, a goal and an effort forged in a long term. In the current context of wages reduction and taxes increase, even if desirable by all, the thrift is a goal even more difficult to achieve. We stand before a challenge for the change of habits and mentalities. Thus, this analysis intends to explain which are the primary determinants, which condition the Portuguese options in terms of investment and saving products.
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Keywords
Poupança Crise económica Investimento Saving Economic crisis Investment