Payments of funds from PPK will not be so easy? The resort announces changes

As we have recently informed, the number of participants of employee capital plans (PPK) is growing from month to month. In May it was 3.86 million people, while at the beginning of the year 3.77 million employees.

The program operating since 2019 assumes that an employee, employer and state shall make an additional benefit that can be paid after reaching the age of 60. The employee fee is 2 percent. gross salary, employer – 1.5 percent, and the state to start payment PLN 250 and additionally once a year – PLN 240.

The calculations of the pension institute, which cites “Fakt” shows that the payers earning PLN 5,000 thanks to their and employer accumulates in the year PLN 2,100 (in the case of PLN 10,000, it is PLN 3660). If they decide to return funds, they can receive PLN 1830. The daily reminds that in such a situation all employee payments and 70 percent are paid. what the employer has paid (the remaining 30 percent is saved on the account in ZUS). Subsidies from the state are lost, and the so -called Belka tax.

Funds from PPK will not be so easy anymore?

PPK participants are increasing, there are also those who decide to pay the accumulated funds. In 2023, the amount of returns exceeded PLN 1.5 billion, last year it was PLN 1.9 billion, and only in the first three months of this year – as much as PLN 600 million

The Ministry of Finance emphasizes that the growing number of returns from the program is not in line with its goals. In the commentary for “Fakt”, the ministry informs that this issue may be raised during the next review of the PPK Act, which must be made by the government by the end of next year. – Then any legislative proposals in this area will be able to be formulated – emphasizes the Ministry of Finance.

Therefore, it cannot be ruled out that withdrawal of funds will not be as easy as before. Media reports also show that a more frequent auto -right to PPK is being considered (currently it takes place every two years), as well as the liquidation of the upper age limit, to which saving in the program would be possible (currently all people up to 55 years old are saved).