Wages in Poland are rising, so an increasing part of the money is savings. How do we invest free funds? We increasingly use the help of professionals who manage investment funds.
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How do Poles invest? Fixed income is very important
“In December, retail investment funds acquired PLN 4.55 billion net. The annual sales balance exceeded PLN 48 billion, beating the record set in 2024.” – reports the portal Analizy.pl.
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You can invest money in various ways through investment funds. As we read in the article, in December and throughout 2025. Debt funds were the most popular among investors and raised PLN 3.4 billion net. The main goal of such funds is to invest in fixed income securities, which means that they invest capital primarily in treasury bonds, i.e. loans granted to the state to cover the budget, and corporate bonds, which are a form of financing the development of large companies. In addition, their assets often include money market instruments, such as treasury bills or bank deposits, which are used to safely store cash for a short period of time.
How do Poles invest? That's where the money flows
“In second place in terms of sales in December were PPK funds (+PLN 0.68 billion), and mixed funds were third (+PLN 0.7 billion).. Such high inflows for this group of funds are related to customers' payments to IKE/IKZE postponed at the end of the year,” Analysisy.pl indicates.
See also: How to make money on the stock market? See five companies to keep on your radar in January 2026.
Equity funds were in the black in terms of sales in December, although the scale of inflows was not impressive (+PLN 0.26 billion). They have yet achieved a positive sales balance commodity funds.
