The Pan-European Personal Pension Product (PEPP) was created to provide a simple, transparent, and portable way for Europeans to save for retirement. To protect consumers, the Basic PEPP is subject to a strict 1% annual cost cap. While the intention is sound, the inclusion of Value Added Tax (VAT) within this cap is creating serious […]
LifeGoals – Why VAT Should Be Excluded from the PEPP Fee Cap Read More »
The Pan-European Personal Pension Product (PEPP) was launched with an ambitious vision: to create a simple, portable, and transparent retirement savings product that works across the European Union. Designed to complement national pension systems, the PEPP promised to address demographic challenges, support labour mobility, and channel household savings into sustainable long-term investments. Yet, more than
A Pan-European Pension Product: Revision of the PEPP Regulation to Incorporate Occupational Pension Provisions. The blueprint argues for revising the Pan-European Personal Pension Product (PEPP) Regulation to integrate occupational pension features from the IORP II Directive, creating a single, portable EU retirement product. It highlights that PEPP offers harmonization, portability, and consumer protection, but is
LifeGoals – Blueprint: Time for an Occupational PEPP Read More »