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SPECIFICITY AND EFFECTIVENESS OF EMPLOYEE PENSION PROGRAMS IN THE FORM OF THE CONTRACT FOR THE EMPLOYER CONTRIBUTING THE EMPLOYEE CONTRIBUTIONS TO THE INVESTMENT FUND

100%
Pienkowska-Kamieniecka S.
Olsztyn Economic Journal
|
2010
|
vol. 5
|
issue 2
302-315
EN
The market of employee pension programs (EPP) has functioned since 1999. The programs are established by the employers to secure higher pension benefits for the employees. They may assume the form of insurance or insurance-capital program. As a consequence of the fact that investing employee pension funds contributions in investment funds involves high investment risk the study aims at presenting the operational specificity of such programs and assessment of the results that investment funds' companies managing the largest numbers of programs of that type in Poland achieve. The study covered the years 2006-2009. The studies indicate that during the analyzed period positive rates of return were generated only by the investments in debt securities funds, both Polish and foreign. Investments in aggressive funds generated losses at ca. 22-35% over the analyzed period. Additionally, attention should be drawn to the fact that the effects related to the crisis in the financial markets had no significant influence on the development of the employee pension programs in the form of a contract with an investment funds, which from the very beginning of operation, as in case of the other forms of EPP, enjoyed low level of interest among employees.
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FUNCTIONING OF EMPLOYEE PENSION PROGRAMS IN WARMIA AND MAZURY VOIVODESHIP

88%
Pienkowska-Kamienska S., Kucka E.
Olsztyn Economic Journal
|
2008
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vol. 3
|
issue 1
157-170
EN
The paper presents the market of employee pension programs (EPP) in Poland during the years 1999-2005, discusses the premises for participation in the program and presents qualitative assessment of insurance based employee pension programs functioning in Warmia and Mazury voivodeship. The analysis was carried out on the basis of unrestricted interviews with employers operating employee pension programs, employees participating in them and representatives of insurance companies involved in establishment and servicing the EPPs as well as indirect questionnaire based interviews (using two questionnaire formats). The conducted studies indicate that the insufficient level of pension benefits from social insurance is the main motivation for joining the EPP. Participation in the program is also determined by the fact that the basic premium is financed by the employer.
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