Employee Capital Plans is simply a long-term savings programme, which aims to increase the resources of Poles for the future, especially in relation to retirement. The program works on the rule of autosave, which is made in cyclical periods all 4 years. The first autosave took place in 2023, another will be in 2027.
In order to join the programme, employees who are 55 years of age but not 70 years of age must submit a request to the authorised employer for and on behalf of them to conclude an agreement to operate the PKP. People in their 70s can't join the savings program. The program can be canceled at any time.
Not all participants will receive a bonus from the state. No yearly payment shall be granted to persons who:
* did not postpone the funds in PPK throughout the year
* do not meet the conditions laid down in the legislation
According to the regulations, the yearly bonus can be counted on by any employed individual who has delayed at the PKP for at least a fewer months a year. People who are just joining the Polish National safety Agency can number on additional support from the state – the alleged welcome deposit of PLN 250. This is simply a one-off bonus that participants receive after the first 3 months of saving, provided they have made the required payments at the time.
At the end of 2024, the number of participants in the worker Capital Plans was about 4 million people. This means that more than 4 million Poles can number on an yearly payment in 2025, provided that they meet the above saving criteria. This programme allows for the gradual collection of funds for the future, and thanks to subsidies from the employer and the state, savings increase more rapidly than in the case of self-delaying.
The decision on the cost-effectiveness of specified savings must be made on its own. However, it should be taken into account that PPK is simply a programme that can aid to safe the financial future. According to data from the Social Insurance Institution, in 2024 the average monthly wage in Poland amounted to about PLN 6 244. Saving 10% of this salary, or about PLN 624, could bring a bonus of PLN 240.
It is besides worth noting that PPK is simply a program that is free for employees. There's no management or service fees. The full costs of handling PPK are borne by the employer.
In conclusion, worker Capital Plans is simply a program that can aid safe the future. According to the data, over 4 million Poles can number on an yearly payment in 2025, provided that they meet the above saving criteria. It should so be taken into account that PPK is simply a programme that can bring a bonus of PLN 240, as well as additional support from the state in the form of a welcome payment.
