This saving option works better than deposits. Up to 158 percent profit
People who joined PPK at the end of 2019 could earn up to 158%. depending on the investment fund – according to PFR calculations. This is definitely more than on the deposit.
As we recently reported, the number of participants in Employee Capital Plans (PPK) exceeded 4 million, and the value of the assets they accumulated exceeded PLN 41 billion.
PPK is a better option than deposits
Employee Capital Plans (PPK) have been in force since 2019. The program was created to encourage Poles to save for retirement. It is based on co-financing – part of the contribution comes from the employee’s salary (2%), part from the employer’s budget (1.5%), and additional support is provided by the state every year. This is a simple mechanism that, with regular payments, allows you to build significant retirement savings. How much exactly? Data from the Polish Development Fund (PFR), quoted by “Fakt”, show that a person who joined the program at the end of 2019 could earn up to 158%. depending on the investment fund. For comparison, a typical bank deposit at that time brought a profit several times lower. The calculations assume an example remuneration of PLN 5,300 gross by the end of 2023 and PLN 7,000 from the beginning of 2024.
During the Finance Forum 2025 in Wrocław, PFR vice-president Mariusz Jaszczyk pointed out that on average about 30,000 people join PPK every month. people, which allows us to believe that in the coming years participation may approach 80%, i.e. the level that PFR dreams of. – I would like us to talk in the future about the fact that 8 out of 10 Poles are members of the program. This is a real and ambitious goal – emphasized the vice-president of PFR.
PFR data shows that PPKs are most popular in the largest enterprises employing more than 250 people. Participation in them exceeds 85%. (these companies were the first to implement the program after its launch in 2019). On the other side, there are organizations employing less than 20 people and the public sector, where participation is less than 40%.
