Ba cheart ráthaíocht ar an gcaipiteal arna infheistiú a bheith dlite ag tús chéim an dícharntha agus le linn chéim an dícharntha, i gcás inarb infheidhme.
A guarantee on the capital invested should be due at the start of the decumulation phase and during the decumulation phase, where applicable.
Tar éis TPPU a shuibscríobh agus nuair atá fochuntas nua á oscailt acu, ba cheart an tsaoirse a thabhairt do choigilteoirí TPPU cinneadh a dhéanamh faoina rogha eisíocaíochta (blianachtaí, cnapshuim, nó eile) le linn chéim an dícharntha, ach an fhéidearthacht a bheith acu a rogha a athbhreithniú bliain amháin sula gcuirfidh siad tús le céim an dícharntha, ag tús chéim an dícharntha agus tráth an mhalartaithe, chun gur féidir leo a rogha eisíocaíochta a oiriúnú ar an mbealach is fearr dá riachtanais nuair a bhíonn an t-am scoir ag druidim leo.
PEPP savers should be given the freedom to decide upon subscription of a PEPP and when opening a new sub-account about their pay-out choice (annuities, lump sum, or other) in the decumulation phase, but with a possibility to revise their choice one year before the start of the decumulation phase, at the start of the decumulation phase and at the moment of switching, in order to be able to best adapt their pay-out choice to their needs when they near retirement.
CÉIM AN DÍCHARNTHA
DECUMULATION PHASE
Coinníollacha a bhaineann le céim an dícharntha
Conditions related to the decumulation phase
bliain amháin roimh thús chéim an dícharntha;
one year before the start of the decumulation phase;
ag tús chéim an dícharntha;
at the start of the decumulation phase;
Tabhair tuairisc ar na coinníollacha a bhaineann le céim an dícharntha maidir leis an bhfochuntas/na fochuntais faoi seach;
Describe the conditions related to the decumulation phase for the respective sub-account(s);
Ar an ábhar gur cheart cosaint chaipitil a áirithiú ag tús chéim an dícharntha agus le linn chéim an dícharntha, i gcás inarb infheidhme, níor cheart go mbeadh sé d’oibleagáid ar an soláthraí TPPUnna aistritheach an chosaint chaipitil nó an ráthaíocht chaipitil a áirithiú tráth an mhalartaithe.
As capital protection should be ensured at the start of the decumulation phase and during the decumulation phase, where applicable, the transferring PEPP provider should not be obliged to ensure the capital protection or guarantee at the moment of switching.
Déanfaidh soláthraithe TPPUnna é a cheapadh ar bhonn ráthaíocht ar an gcaipiteal a bheidh dlite ag tús chéim an dícharntha agus le linn chéim an dícharntha, i gcás inarb infheidhme, nó ar bhonn teicníc maolaithe riosca a bheidh comhsheasmhach leis an gcuspóir i dtaca le ceadú don choigilteoir TPPU an caipiteal a fhorchúiteamh.
It shall be designed by PEPP providers on the basis of a guarantee on the capital which shall be due at the start of the decumulation phase and during the decumulation phase, where applicable, or a risk-mitigation technique consistent with the objective to allow the PEPP saver to recoup the capital.
Féadfar a áireamh ar na coinníollacha sin go háirithe go socrófaí aois íosta le haghaidh tús chéim an dícharntha, uastréimhse sula mbainfear an aois scoir amach chun dul isteach in TPPU, chomh maith le coinníollacha maidir le fuascailt sula mbainfear an aois íosta le haghaidh tús chéim an dícharntha amach, go sonrach i gcás cruatan ar leith.
Such conditions may include in particular the setting of the minimum age for the start of the decumulation phase, of a maximum period before reaching the retirement age for joining a PEPP, as well as conditions for redemption before the minimum age for the start of the decumulation phase, in particular in case of particular hardship.
Má dhéantar foráil sa TPPU Bunúsach maidir le ráthaíocht ar an gcaipiteal, atá le bheith dlite le híoc ag tús chéim an charntha agus le linn chéim an dícharntha dá bhforáiltear in Airteagal 45(1) de Rialachán (AE) 2019/1238, ní áireofar na costais a bheidh nasctha go díreach leis an ráthaíocht chaipitil sin sna costais dá dtagraítear in Airteagal 45(2) de Rialachán (AE) 2019/1238.
If the Basic PEPP provides for a guarantee on the capital, which is to be due at the start of the decumulation phase and during the decumulation phase as provided for in Article 45(1) of Regulation (EU) 2019/1238, the costs directly linked to that capital guarantee shall not be included in the costs referred to in Article 45(2) of Regulation (EU) 2019/1238.
I gcomhair an TPPU Bhunúsaigh, nuair nach ndéanfaidh an soláthraí TPPUnna ráthaíocht chaipitil a chur ar fáil dá dtagraítear in Airteagal 13, úsáidfidh an soláthraí TPPUnna straitéis infheistíochta lena n-áiritheofar, agus torthaí an tsamhaltaithe stocastaigh á gcur san áireamh, go gcúiteofar an caipiteal ag tús chéim an dícharntha agus i rith chéim an dícharntha le dóchúlacht 92,5 % ar a laghad.
For the Basic PEPP, when the PEPP provider does not offer a capital guarantee as referred to in Article 13, the PEPP provider shall employ an investment strategy that ensures, taking into consideration the results of stochastic modelling, recouping the capital at the start of the decumulation phase and during the decumulation phase with a probability of at least 92,5 %.
I gcás ina bhfuil níos mó ná fochuntas amháin oscailte, ba cheart coigilteoirí TPPU a chur ar an eolas faoin tús a d’fhéadfaí a chur le céim dícharntha gach fochuntais.
Where more than one sub-account has been opened, PEPP savers should be informed about the possible start of the decumulation phase of each sub-account.
ciallaíonn “céim an charntha” an tréimhse ina ndéantar sócmhainní a charnadh i gcuntas TPPU agus arb iondúil go leanann sé ar aghaidh go dtí go dtosóidh céim an dícharntha;
‘accumulation phase’ means the period during which assets are accumulated in a PEPP account and ordinarily runs until the decumulation phase starts;
ciallaíonn “céim an dícharntha” an tréimhse ina bhféadfar tarraingt ar na sócmhainní i gcuntas TPPU chun riachtanais scoir nó riachtanais ioncaim eile a chistiú;
‘decumulation phase’ means the period during which assets accumulated in a PEPP account may be drawn upon to fund retirement or other income requirements;
na coinníollacha a bhaineann le céim an dícharntha don fhochuntas a chomhfhreagraíonn do Bhallstát cónaithe an choigilteora TPPU amhail dá dtagraítear in Airteagal 57;
the conditions related to the decumulation phase for the sub-account corresponding to the Member State of residence of the PEPP saver referred to in Article 57;
tuairisc ar na coinníollacha do chéim an dícharntha, arna gcinneadh ag Ballstát cónaithe an choigilteora TPPU i gcomhréir le hAirteagal 57;
a description of the conditions for the decumulation phase, as determined by the Member State of residence of the PEPP saver in accordance with Article 57;
sonraí pearsanta an choigilteora TPPU agus an dáta is luaithe ar a bhféadfar tús a chur le céim an dícharntha i gcás aon fhochuntais;
personal details of the PEPP saver and the earliest date on which the decumulation phase may start for any sub-account;
tuilleadh faisnéis phraiticiúil faoi chearta agus roghanna an choigilteora TPPU, lena n-áirítear faisnéis maidir le hinfheistíochtaí, céim an dícharntha, an tseirbhís malartaithe agus an tseirbhís iniomparthachta;
further practical information about the PEPP saver’s rights and options, including with regard to investments, the decumulation phase, the switching service and the portability service;
Faisnéis a bheidh le tabhairt do choigilteoirí TPPU le linn na céime réamhscoir agus do thairbhithe TPPU le linn chéim an dícharntha
Information to be given to PEPP savers during the pre-retirement phase and to PEPP beneficiaries during the decumulation phase
Le linn chéim an dícharntha, déanfaidh soláthraithe TPPUnna, ar bhonn bliantúil, faisnéis maidir leis na sochair TPPU a bheidh dlite agus leis an bhfoirm eisíocaíochtaí comhfhreagracha a sholáthar do thairbhithe TPPU.
During the decumulation phase, PEPP providers shall provide annually PEPP beneficiaries with information about the PEPP benefits due and the corresponding form of out-payments.
I gcás ina leanfaidh an coigilteoir TPPU de ranníocaíochtaí a dhéanamh nó de riosca infheistíochta a iompar le linn chéim an dícharntha, leanfaidh an soláthraí de bheith ag soláthar an Ráitis Sochair TPPU ina mbeidh an fhaisnéis ábhartha.
Where the PEPP saver continues to make contributions or to bear investment risk during the decumulation phase, the PEPP provider shall continue providing the PEPP Benefit Statement containing the relevant information.
Féadfaidh an coigilteoir TPPU an ceart a fheidhmiú chun soláthraithe a athrú le linn chéim an charntha agus le linn chéim an dícharntha den TPPU.
The PEPP saver may exercise the right to switch providers during the accumulation phase and the decumulation phase of the PEPP.
Is iad na Ballstáit a chinnfidh na coinníollacha a bhaineann le céim an charntha agus leis na heisíocaíochtaí as na fochuntais náisiúnta mura rud é go ndéanfar iad a shonrú sa Rialachán seo.
The conditions related to the decumulation phase and the out-payments of the national sub-accounts shall be determined by Member States unless they are specified in this Regulation.
Déanfaidh coigilteoirí TPPU cineál na n-eisíocaíochtaí a roghnú do chéim an dícharntha nuair a dhéanfaidh siad conradh TPPU a thabhairt i gcrích agus nuair a iarrfaidh siad oscailt fochuntais nua.
PEPP savers shall choose the form of out-payments for the decumulation phase when they conclude a PEPP contract and when they request an opening of a new sub-account.
Le linn chéim an dícharntha, ba cheart do thairbhithe TPPU leanúint de bheith ag fáil faisnéise faoina sochair TPPU agus faoina roghanna eisíocaíochta comhfhreagracha.
During the decumulation phase, PEPP beneficiaries should continue to receive information on their PEPP benefits and corresponding pay-out options.
cuirfear sin i gcomparáid leis na luaíochtaí ionchasacha i dtéarmaí leibhéal áirithe sochar TPPU a shroicheadh, de réir mar is iomchuí, ag tús chéim an dícharntha, nó lena linn.
shall be compared to the expected rewards in terms of reaching a certain level of PEPP benefits, as appropriate, at the start of, or during the decumulation phase.
Déanfaidh soláthraithe TPPUnna sochair ionchasacha an TPPU a chinneadh go stocastach, de réir mar is iomchuí, ag tús chéim an dícharntha, nó lena linn, agus an méid seo a leanas á chur san áireamh:
PEPP providers shall stochastically determine the expected PEPP benefits, as appropriate, at the start of, or during the decumulation phase, taking into consideration:
na coinníollacha a bhaineann le céim an dícharntha dá dtagraítear in Airteagal 57 de Rialachán (AE) 2019/1238;
the conditions related to the decumulation phase referred to in Article 57 of Regulation (EU) 2019/1238;
Ní raibh na treochtaí difriúla a bhain le hallmhairí agus an difríocht idir praghsanna na Tuirce agus na hIndia ina gcúis le dícharnadh.
The different trends of imports and the difference between Türkiye and Indian prices were not a reason for decumulation.
Ba cheart leas a bhaint as an bhfochuntas chun taifead a choimeád ar na ranníocaíochtaí arna ndéanamh le linn chéim an carntha agus na heisíocaíochtaí arna ndéanamh le linn chéim an dícharntha i gcomhréir le dlí an Bhallstáit dár osclaíodh an fochuntas.
The sub-account should be used to keep a record of the contributions made during the accumulation phase and the out-payments made during the decumulation phase in compliance with the law of the Member State for which the sub-account has been opened.
Ar an gcúis chéanna, ba cheart do sholáthraithe TPPUnna agus do dháileoirí TPPUnna ardleibhéal trédhearcachta a áirithiú freisin ar feadh na gcéimeanna éagsúla de TPPU, lena n-áirítear an chéim réamhchonarthach, críochnú an chonartha, céim an charntha (lena n-áirítear an tréimhse réamhscoir) agus chéim an dícharntha a mhéid a bhaineann leis an gconradh.
For the same reason, PEPP providers and PEPP distributors should equally ensure a high level of transparency throughout the various phases of a PEPP including the pre-contractual stage, the conclusion of the contract, the accumulation phase (including pre-retirement) and the decumulation phase.
Ba cheart go bhfoilseodh an soláthraí TPPUnna an doiciméad faisnéise bunriachtanaí TPPU do gach Ballstát ina ndáiltear an TPPU faoin tsaoirse chun seirbhísí a sholáthar nó faoin tsaoirse bhunaíochta, ina mbeidh an fhaisnéis shonrach i dtaobh na gcoinníollacha a bhaineann le céim an charntha agus céim an dícharntha i gcás an Bhallstáit sin.
The PEPP provider should publish the PEPP KID for each Member State where the PEPP is distributed under the freedom to provide services or the freedom of establishment containing the specific information for the conditions related to the accumulation phase and to the decumulation phase for that Member State.
Ba cheart do sholáthraithe TPPUnna coigilteoirí TPPU a chur ar an eolas, 2 mhí roimh na dátaí ar a mbeidh deis ag coigilteoirí TPPU a roghanna eisíocaíochta a mhodhnú, faoin tús a chuirfear go gairid le céim an dícharntha, faoi chineálacha féideartha na n-eisíocaíochtaí agus faoin bhféidearthacht go bhféadfaí modhnú a dhéanamh ar chineál na n-eisíocaíochtaí.
PEPP providers should inform PEPP savers two months before the dates on which PEPP savers have the possibility to modify their pay-out options about the upcoming start of the decumulation phase, the possible forms of out-payments and the possibility to modify the form of out-payments.
ciallaíonn “fochuntas” rannán náisiúnta a osclaítear laistigh de gach aon chuntas TPPU agus a chomhfhreagraíonn do na ceanglais agus coinníollacha dlí chun úsáid a bhaint as dreasachtaí féideartha arna socrú ar an leibhéal náisiúnta maidir le hinfheistiú in TPPU ag an mBallstát ina bhfuil áit chónaithe an choigilteora TPPU; dá réir sin, féadfaidh duine aonair a bheith ina choigilteoir TPPU nó ina thairbhí TPPU i ngach fochuntas, ag brath ar na ceanglais dlí faoi seach do chéim an charntha agus do chéim an dícharntha;
‘sub-account’ means a national section which is opened within each PEPP account and which corresponds to the legal requirements and conditions for using possible incentives fixed at national level for investing in a PEPP by the Member State of the PEPP saver’s residence; accordingly, an individual may be a PEPP saver or a PEPP beneficiary in each sub-account, depending on the respective legal requirements for the accumulation phase and decumulation phase;
I gcás inarb infheidhme, maidir le téacsanna na ndlíthe náisiúnta, na rialachán náisiúnta agus na bhforálacha riaracháin náisiúnta lena rialaítear na coinníollacha a bhaineann le céim an charntha amhail dá dtagraítear in Airteagal 47 agus na coinníollacha a bhaineann le céim an dícharntha amhail dá dtagraítear in Airteagal 57, lena n-áirítear faisnéis maidir le nósanna imeachta náisiúnta breise arna gcur i bhfeidhm chun buntáistí agus dreasachtaí arna socrú ar an leibhéal náisiúnta a chur i bhfeidhm, déanfaidh an t-údarás náisiúnta ábhartha iad a chur ar fáil don phobal agus a choimeád cothrom le dáta.
The texts of the national laws, regulations and administrative provisions governing the conditions related to the accumulation phase referred to in Article 47 and the conditions related to the decumulation phase referred to in Article 57, including information about additional national procedures put in place for applying for advantages and incentives set at national level, where applicable, shall be made public and kept up to date by the relevant national authority.
faisnéis maidir leis an tseirbhís iniomparthachta, lena n-áirítear tagairt don chlár lárnach poiblí dá dtagraítear in Airteagal 13 ina bhfuil faisnéis maidir leis na coinníollacha le haghaidh chéim an charntha agus chéim an dícharntha arna socrú ag na Ballstáit i gcomhréir le hAirteagail 47 agus 57;
information on the portability service, including a reference to the central public register referred to in Article 13 where information for the conditions for the accumulation phase and the decumulation phase determined by Member States in accordance with Articles 47 and 57 is contained;
Ina theannta sin, soláthróidh an soláthraí TPPUnna nó an dáileoir TPPUnna réamh-mheastacháin sochair pinsin phearsanta don choigilteoir TPPU ionchasach i leith an táirge arna mholadh bunaithe ar an dáta is luaithe ar a bhféadfar tús a chur le céim an dícharntha agus mar aon le séanadh go bhféadfaidh na meastacháin sin a bheith éagsúil le luach deiridh na sochar a gheofar.
The PEPP provider or PEPP distributor shall also provide the prospective PEPP saver with personalised pension benefit projections for the recommended product based on the earliest date on which the decumulation phase may start and a disclaimer that those projections may differ from the final value of the PEPP benefits received.
Sa bhreis ar an Ráiteas Sochair TPPU, soláthróidh soláthraithe TPPUnna do gach coigilteoir TPPU, 2 mhí roimh na dátaí dá dtagraítear i bpointe (a) agus pointe (b) d’Airteagal 59(1) nó arna iarraidh sin ag an gcoigilteoir TPPU, faisnéis maidir leis an tús a chuirfear go gairid le céim an dícharntha, maidir le cineálacha féideartha na n-eisíocaíochtaí agus maidir leis an bhféidearthacht go bhféadfadh an coigilteoir TPPU modhnú a dhéanamh ar chineál na n-eisíocaíochtaí i gcomhréir le hAirteagal 59(1).
In addition to the PEPP Benefit Statement, PEPP providers shall provide each PEPP saver two months before the dates referred to in points (a) and (b) of Article 59(1) or at the request of the PEPP saver, with information about the upcoming start of the decumulation phase, the possible forms of out-payments and the possibility for the PEPP saver to modify the form of out-payments in accordance with Article 59(1).
D’ainneoin mhír 1, le linn chéim an dícharntha, ní bheidh sé d’oibleagáid ar sholáthraithe TPPUnna seirbhís malartaithe a sholáthar le haghaidh TPPUnna, i gcás ina bhfuil eisíocaíochtaí á bhfáil ag coigilteoirí TPPUanna i bhfoirm blianachtaí saoil.
Notwithstanding paragraph 1, during the decumulation phase, PEPP providers shall not be obliged to provide a switching service for PEPPs, where PEPP savers are receiving out-payments in the form of lifetime annuities.
I gcás an TPPU Bhunúsaigh, ag tús chéim an dícharntha, déanfaidh an soláthraí TPPUnna pleanáil scoir phearsanta a thairiscint don choigilteoir TPPU maidir le húsáid inbhuanaithe a bhaint as an gcaipiteal arna charnadh sna fochuntais TPPU, agus an méid seo a leanas ar a laghad á chur san áireamh:
For the Basic PEPP, at the start of the decumulation phase, the PEPP provider shall offer the PEPP saver personal retirement planning on the sustainable use of the capital accumulated in the PEPP sub-accounts, taking into account at least:
tagairt do chlár lárnach poiblí ÚEÁPC dá dtagraítear in Airteagal 13 de Rialachán (AE) 2019/1238, ina bhfuil faisnéis maidir leis na coinníollacha le haghaidh chéim an charntha agus chéim an dícharntha de na fochuntais náisiúnta arna gcinneadh ag na Ballstáit;
a reference to the EIOPA central public register referred to in Article 13 of Regulation (EU) 2019/1238, where information for the conditions for the accumulation phase and the decumulation phase of the national sub-accounts determined by Member States are contained;
Maidir leis an bhfaisnéis a éileofar, de réir phointe (ii) d’Airteagal 28(3)(d) de Rialachán (AE) 2019/1238 faoi chaillteanas uasta féideartha an chaipitil arna infheistiú sa roinn dar teideal “Cad iad na rioscaí agus cad a d’fhéadfainn a fháil i gcomaoin orthu?”, den doiciméad faisnéise bunriachtanaí TPPU, déanfar an fhaisnéis sin a chomhlánú le faisnéis faoin gcaipiteal carntha, caighdeánaithe arna chinneadh go stocastach tráth a dhícharntha faoi chás struis, is ionann agus an cúigiú peirceintíl den dáileadh.
The required information, according to point (ii) of Article 28(3)(d) of Regulation (EU) 2019/1238 of the possible maximum loss of the invested capital in the section titled ‘What are the risks and what could I get in return?’, of the PEPP KID shall be complemented by information on the standardised, stochastically determined, accumulated capital at decumulation under a stressed scenario, equal to the fifth percentile of the distribution.
faisnéis maidir leis na costais ráthaíochtaí a mhuirearaítear ar an gcoigilteoir TPPU as an ráthaíocht airgeadais chun an caipiteal carntha tráth a dhícharntha ar a laghad a íoc ar ais agus faisnéis maidir le costais aon ráthaíocht airgeadais eile arna soláthar faoin gconradh TPPU.
information on costs of guarantees charged to the PEPP saver for the financial guarantee to pay back at least the accumulated capital at decumulation and of any other financial guarantee provided under the PEPP contract.
Chun críocha phointe (f) den chéad fhomhír, cuirfear éifeacht iolraithe na gcostas ar an gcaipiteal carntha réamh-mheasta tráth a dhícharntha de réir phointe (f) d’Airteagal 36(1) de Rialachán (AE) 2019/1238 i láthair mar “Laghdú ar an Rachmas” mar a shonraítear i gCuid III d’Iarscríbhinn III a ghabhann leis an Rialachán sin.
For the purposes of point (f) of the first subparagraph the compound effect of the costs on the projected accumulated capital at decumulation according to point (f) of Article 36(1) of Regulation (EU) 2019/1238 shall be presented as ‘Reduction in Wealth’ as specified in Part III of Annex III to this Regulation.
Déanfaidh an soláthraí TPPUnna an teicníc maolaithe riosca a dhearadh ar bhealach chun go mbainfear amach an cuspóir ó thaobh socrú a dhéanamh d’ioncam scoir aonair amach anseo ó TPPU a bheidh cobhsaí agus leordhóthanach, agus an fad ionchasach, atá fágtha i gcéim charntha aonair an choigilteora TPPU nó ghrúpa coigilteoirí TPPU, á chur san áireamh chomh maith leis an rogha maidir le dícharnadh a bheidh roghnaithe ag an gcoigilteoir TPPU.
The PEPP provider shall design the risk-mitigation technique in a way to achieve the objective of providing for stable and adequate individual future retirement income from the PEPP, taking into consideration the expected remaining duration of the PEPP saver’s or group of PEPP savers’ individual accumulation phase and the PEPP saver’s chosen decumulation option.
Faoi fhoroinn dar teideal: “Ceanglais do chéim na híocaíochta amach”, tabharfaidh an soláthraí TPPUnna tuairisc ar na coinníollacha i gcomhair chéim an dícharntha, arna gcinneadh ag Ballstát cónaithe an choigilteora TPPU.
Under the sub-section titled: ‘Requirements for the pay-out phase’, the PEPP provider shall describe the conditions for the decumulation phase, as determined by the Member State of residence of the PEPP saver.
faisnéis maidir le conarthaí atá i seilbh soláthraí TPPUnna, nó maidir le conarthaí arna ndéanamh le tríú páirtithe, lena n-áirítear na hoibleagáidí i leith coigilteoirí TPPU le linn chéim an dícharntha, nó i dtaca le fochuntais TPPU a sholáthar.
information on contracts held by a PEPP provider, or regarding contracts entered into with third parties, including the obligations towards PEPP savers during the decumulation phase, or for the provision of PEPP sub-accounts.