“Personal investment account. A good idea for profitable saving and financing of investments by the capital market. If success is successful in Sweden and 40 percent. working according to Bael, 7 million people, will pay an average of 50,000 PLN, it will be 350 billion. PLN for development” – wrote in the post on the platform X Kamil Sobolewski, chief economist, employer of the Republic of Poland.
However, the entry is not only optimistic.
“The savings part is controversial: it is better to encourage people to invest in the capital market, bank deposits do not require support but their inclusion may drive the universality of using oki. The universality of deposits in tax bonds is the interest of the Minister of Finance, “explains Sobolewski.
The fee that is to be charged above the limit of PLN 100,000 is also controversial.
“Fee 0.8 percent over 100,000 PLN is too high, it will eliminate oki with amounts exceeding the limit. Why? When the feet drops to 3-4 percent, the beam tax will be lower. It is better to eat with a small teaspoon of 0.5 percent And eat than a large from an empty plate – he indicates.
OKI's personal investment account. A proposal with potential, but not for everyone
Konrad Ryczko from DM BOŚ also approaches the new initiative. In a short post, he assessed that the solution presented today is “a really interesting proposition from the Ministry of Finance, with great potential.”
“With 1 million and making 10 percent from it you will now pay 19k tax (without IKE, IKZE, FR etc). In the case of OKI (100k investments without tax) + a lump sum from the portfolio gives less than 8k tax” – we read.
The solution, however, he admits, is not devoid of flaws.
“Cons? The need to open a new account and value tax, i.e. you can also pay it when the wallet records losses” – emphasizes Ryczko.
Ignacy Morawski, deputy editor -in -chief, also took the subdued position.
“The construction in which you must move some of the funds to obtain a tax exemption, of course, has the advantage that A lot of people will not do it – as the example of IKZE and IKE shows. They will gain the most aware. It is a product for active investors, “he commented in the post on the social platform X.
