EN
Individual investors are a vital part of the modern economy, financial market and securities market. Their capital participation is varied and undergoes periodic fluctuations. During market boom, the involvement of individual investors increases, whereas during crisis it dwindles. This is justified because most of the decisions made by individual investors are based on their own knowledge and previous experience, as well as on the imitation of other market participants. In Poland, bank deposits are still by far the most popular form of capital allocation, since they are regarded as a safe form of investment. In recent years, investors have started to place disposable capital in investment funds. However, in 2011, the value of the assets of these institutions accounted for approx. 24% of the funds deposited in banks, which is a low proportion compared to those observed in western countries. A major problem, reflected in the market, is the low engagement of households in locating in investment funds. According to the author, the main reason for this is lack of information and basic knowledge about the functioning of these capital market institutions in Poland.