The worker Capital Plans (PPK) is simply a long-term savings programme, which aims to increase the resources of Poles for the future, especially in relation to retirement. The programme operates on the basis that any associate who regularly postpones funds throughout the year may receive an yearly fee of PLN 240. However, to get a bonus, you must meet any conditions.
The surcharge comes from the Labour Fund, which means that it is financed by the State and not from the employee's salary. It's a good surprise and a reward from the state for saving money. But who can number on the money? Any PPK associate who regularly postpones funds throughout the year may receive an yearly payment.
Let us remind that autosave is made in cyclical periods all 4 years, the time limit is the same for all employers employing employees, regardless of the statutory deadline for joining PPK. The first autosave took place in 2023, another will be in 2027. Workers who are 55 years of age but have not been 70 years old to join the programme must besides submit an application for conclusion on their behalf and for their behalf of the PCP. 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. The yearly payment shall not be granted to persons who: did not postpone the funds throughout the year, resigned from the programme, or did not fulfil another conditions.
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.
According to ZUS data, in 2023 over 3.5 million employees joined the PKP programme. This means that over 3.5 million Poles can number on an yearly payment in 2024. The average amount of yearly payment is around PLN 240, which means that over PLN 840 million will be paid to participants in the programme in 2024.
It is worth noting that employers are besides paid by the State for participating in the PKP programme. This payment amounts to 1.5% of the employee's salary, which means that employers can receive over 1.5 billion PLN in 2024. This is simply a crucial amount that can aid employers safe the future of their employees.
In conclusion, the PPK programme is simply a broad offer for workers who want to safe their future. The yearly and welcome payment are 2 crucial elements of the programme that can aid participants to rise funds for the future. It is worth considering participating in the PPK programme if we do not have any future savings plan yet.
