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Organizations are made up of people, their most important asset. The Armed Forces are no exception in this context, quite the opposite. Despite all the developments in military equipment, especially in the last century, the human component continues to be a determining factor in the overwhelming majority of the weapons systems. The investments that have been made to the military, in terms of academic, technical and operational training, have contributed to increasing their skills and abilities in a professional career that, today, is facing even more asymmetrical challenges. Different levels of motivation, different career aspirations linked to organizational constraints and different economic contexts, have led to an increasingly difficult strategic management of human resources in the military areas, such as the Portuguese Army. This article addresses the urgency of retaining talent in the Portuguese Army, at a time when this branch of the Portuguese Armed Forces is confronted with new assignments, missions and challenges.

Die Bundesregierung hat in ihrem Koalitionsvertrag die Verbesserung der privaten Altersvorsorge durch die Einführung eines "attraktiven standardisierten Riester-Produkts" angekündigt. Der vorliegende Beitrag argumentiert, dass nur ein flexibles, aber öffentlich-rechtlich organisiertes Standardprodukt geeignet ist, das bisherige Marktversagen bei Angeboten zur privaten Zusatzvorsorge zu korrigieren. Als zentrale Anforderungen an die Ausgestaltung eines Standardprodukts werden eine staatsferne Durchführung der operativen Aufgaben, möglichst geringe Kosten sowie Flexibilität bei Ein- und Auszahlung definiert. Von entscheidender Bedeutung ist darüber hinaus, dass Verbraucher zu jedem Zeitpunkt privatrechtliche Ansprüche gegen den öffentlich-rechtlichen Träger des Standardprodukts haben. ; In its coalition agreement the federal government announced the intention to improve private supplementary pensions by introducing an "attractive standardized Riester-Product". This article argues that a flexible, standardized product, organized by a public provider, is the only viable option to correct the market failure currently afflicting private supplementary pensions. A private execution of duties, minimal costs and high flexibility in contributions and payouts are defined as essential conditions for the implementation of this standardized product. Furthermore, it is essential that consumers have civil law claims against the public provider of the product at all times.