Pan-European Personal Pension Product (PEPP) - FMA Österreich
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Pan-European Personal Pension Product (PEPP)

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The Pan-European Personal Pension Product (PEPP) is designed for the European citizen, enabling consumers to save for their future retirement throughout their European career in a safe, transparent and high-quality pension product.

PEPP is a voluntary personal pension scheme that will complement existing public and occupational pension systems, as well as national private pension schemes.

PEPPs are regulated by the Regulation 2019/1238, also known as the PEPP Regulation. The PEPP Regulation establishes the legal foundation for a pan-European personal pension market, by ensuring standardisation of the core product features, such as: transparency requirements, investment rules, switching right and type of investment options.

The Delegated Regulation on PEPP was published in the Official Journal on 22 March 2021 (click here) and the PEPP Regulation thereby becomes applicable on 22 March 2022.

Following the publication of the Delegated Regulation supplementing the Pan-European Personal Pension Product (PEPP), EIOPA today launched a survey on potential offering of PEPP.

For further information please see https://ec.europa.eu/eusurvey/runner/PEPP_survey   and   Survey on the Pan-European Personal Pension Product | Eiopa (europa.eu).

The remaining Level II texts were published on 04.06.2021. They relate to:

At the same time, EIOPA issued Guidelines on the supervisory reporting for the Pan-European Personal Pension Product (PEPP), in order to ensure the harmonised and consistent application of reporting requirements (EIOPA issues Guidelines on the supervisory reporting for the Pan-European Personal Pension Product | EIOPA (europa.eu)).