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The PEPP regulation explicitly allows either fully automated or semi-automated advice, this can help to reduce barriers to entry, create new cross-border opportunities, and ultimately reduce the costs of distributing the PEPP. Cross-border portability: Providers will be able to offer PEPPs on a pan-European basis, allowing savers to continue saving in the same product, when they change residence across borders in the EU. Flexible payout: PEPP providers can offer PEPP savers one or several types of out-payments (annuities, [https://antibioticsbuying.com/loxitane-advanced-antipsychotic-therapy-for-schizophrenia-management/ Loxitane] lump sum, regular drawdown payments, "Tontine"-style drawdown payments or a combination of these).<br><br><br> In case portability is not available, consumers can switch providers free of charge or can continue to contribute to the PEPP of the previous country residence. To sell a PEPP, it is not mandatory for providers to be the designers of the product. 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