The latest GUS report shows that employee capital plans are becoming more and more popular among Poles.
The number of PPK participants at the end of 2024 amounted to 4 million 339.5 thousand, i.e. increased by 447.5 thousand. compared to 2023, it is well over 10 percent. At the end of the year, more than half of Poles who have such the opportunity already participated in PPK.
Assets gained even harder. In total, the states of Poles' accounts grew in 2024 by 39 percent up to over PLN 30 billion. This gives an average of 7,000 PLN for the program participant.
However, responsible for the PFR program shows even newer data. According to them, at the end of March, PPK was already gathered Over PLN 34.8 billion divided into 4.6 million accounts.
Two -digit rates
The rates of return in PPK are therefore very high. However, it all depends on the specific fund. It is worth explaining that people starting saving at PPK are automatically assigned to a specific category of funds defined date based on the date of birth.
“Each of the funds of the defined date has its own investment policy, changing in time due to the need to reduce the level of investment risk with the age of the fund's participants” – reminds GUS.
In short, the point is that the closer to the pension, the less risky the fund's investments should be. And, hence, a smaller rate of return.
GUS data only confirms this. The office informs that The highest median of return rates for the 12-month period was recorded in the group of funds of the defined date 2045 (7.11 percent), On the other hand, the lowest median value was recorded for the funds of the defined date 2025 (5.06 percent).
It is worth noting here that the turmoil of the US and Donald Trump's customs policys were significant for the results of the funds.
See also: The stock market turmoil hits Poles' retirement savings. “It is worth keeping calm”
“Funds of the defined date 2025, i.e. ultimately for people who are around 60, did not lose anything at their value. The reason is very simple – these funds, securing the savings of the participants of the program, They invest primarily in debt instruments, i.e. bondshence the fluctuations on the stock exchange do not have a decisive influence. The most, about 6 percent, lost funds that have a long saving horizon, i.e. those whose significant part of the basket is located in actions “-explained at the end of April Marta Damm-Świerkocka, a member of the board of PFR Portal PPK.
Two- and five -year return rates are impressive. Here they range from 22.51 to as much as 49.36 percent. This is quite solid profits.
An example of a program participant who has been saving continuously since December 2019, He collected on his account from PLN 9588 to PLN 12897 more than he paid. Of course, depending on the fund of the defined date.
“This means a profit of 131–177 percent, which is the result of a combination of regular payments from an employee, employer and state as well as investment results of funds,” writes PFR.
A lot of profits mean that many participants still decide to treat PPK as a savings account and pays money from it when he has some more expense. It is worth emphasizing that in this case they lose some payments from the employer and the state.
According to the CSO data, in 2024 PPK participants paid over PLN 130 million from their accounts. A year earlier it was only PLN 70 million.
PPK are gaining popularity
When employee capital plans were created in 2019, many Poles were skeptical about the idea. A large part of them feared the new instrument and associated it with open pension funds.
With time, however, more and more of us were convinced of this form of saving. PFR estimates the level of participation at just over 52 percent.
The easiest way to meet PPK participants in the Mazowieckie Voivodeship is definitely the easiest way, where it saves more than 70 percent. Poles. A large percentage can also be seen in Greater Poland or Lower Silesia.
The level of participation in PPK in voivodships.
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PFR data also shows that the PPK participants also include Ukrainians (about 140,000), but also several thousand citizens of Belarus, India or Romania.
The statistical participant of PPK is about 40 years old, and in the program are both women and men. There is no definite advantage of any sex.
It is important because in Business Insider Polska we have repeatedly written how important it is voluntary saving to retire people aged 30-40. The data shows that at least part of this generation finally began to notice this necessity.
See also: You want to get 5,000 PLN pension? You have to earn so much [NOWE DANE]
This is how PPK work
Employee capital plans are a voluntary, private long -term saving system, available to all employees. It is created not by the employee himself, but together – with the participation of employers and the state.
How does it work? The employer and the employee transfer basic (mandatory) payments to PPK. It is usually 1.5 percent, respectively. from the company and 2 percent from the employee's salary.
In addition, both the employer and the employee can declare the transfer of additional (voluntary) payments. The amount of payments is calculated in percentage from the employee's remuneration.
The state adds certain amounts to this pool – independent of the employee's income. The saving for at least 3 months will receive PLN 250 with a welcome payment from you. Then, every year, after meeting certain conditions, it will fund the employee's account with PLN 240.
The funds accumulated in this way are invested by the funds of the defined date. It depends on the year of birth of the participant which fund at the moment manages his money.
In PPK, the so -called AutoSapis. It means that Employees are somehow “ex officio” members of the program at the time of signing the contract with the employer. What's more, once every four years all Poles are massively saved to PPK. Another such moment is to take place in 2027, although in the government the idea is sprinkling that such an autosh is much more common.
However, everyone has the opportunity to give up saving in PPK. To do this, he should submit his employer a declaration of resignation from making payments to PPK.
