29 Janeiro, 2008

Os amigos são para as ocasiões

O mesmo Governo que reintroduziu os benefícios fiscais para os PPR, reduziu o remuneração dos certificados de aforro pela segunda vez no espaço de 18 meses. Uma medida que prejudica 700 mil portugueses, essencialmente idosos e com pequenas poupanças, que compraram os certificados confiando na palavra do Governo e se vêm agora, de um dia para o outro, com um produto que perde 10% de rendimento a médio prazo. Será normal que uma parte significativa dos pequenos aforradores emigrem para os fundos da banca, que se vê agora com produtos similares e melhor remuneração do que as novas taxas dos certificados de aforro, mas onde vão deparar com um sem número de produtos financeiros com um risco muito mais elevado. Como estamos a falar de pessoas com um escasso conhecimento dos produtos financeiros existentes, e os funcionários das agências bancárias têm metas a apresentar, será muito provável que alguns dos reformados acabem por investir as suas poupanças num “fundo fantástico na Papua Nova Guiné”. Uma sondagem do Eurostat, hoje citada no Diário Económico, diz que “só 10% dos portugueses estão optimistas com a economia”. Bate certo. Devem ser os accionistas da banca.

22 comments:

João disse...

Os accionistas da banca, como é o meu caso, estão a arder até dizer chega. Não é esta coisa dos certificados que me vai levantar a moral. Infelizmente.

João disse...

De todo o modo devo dizer que o que o governo está a fazer aos certificados é uma sacanice. Especialmente quando eles são o instrumento mais usado nas pequenas poupanças, a que os idosos, e não só, recorrem.

José Luiz Sarmento disse...

Governo da banca, pela banca e para a banca. Deve haver um nome em grego para isto, mas eu não sei qual é.

Pedro Pais disse...

"[...]será muito provável que alguns dos reformados acabem por investir as suas poupanças num “fundo fantástico na Papua Nova Guiné”[...]"

Este é o grande problema. Cada vez mais se vê as sociedades financeiras a recomendarem opções altamente arriscadas. E cada vez menos as pessoas que dão esses conselhos têm formação para o fazer.

Claro está que os prejudicados são sempre os mesmos...

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