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1

Potencjał instytucjonalnych form dodatkowego oszczędzania w zakresie zwiększenia dochodów emerytów w Polsce

100%

Russel P.

Studia BAS

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2022

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issue 4(72)

73-101

EN

The article explores the degree of popularisation of the voluntary pension system in Poland and examines the popularity of the existing forms of savings. The aim of the article is also to try to answer the question which of the existing forms of additional saving offer the greatest chance of enhancing the income adequacy of pensions by increasing the low replacement rates that can be expected from the general basic system. The paper begins with a review of selected studies on the development of voluntary forms of additional saving for retirement in Poland. In the next section the author addresses the issue of voluntary retirement savings from an individual perspective in the context of the forecast declining replacement rate. The third section focuses on an analysis of the dissemination of the existing forms of voluntary saving for retirement and their potential to increase the income of pensioniers in Poland. The conducted analysis proved that the degree of popularisation of additional forms of saving for retirement in Poland is still low, although the greatest potential for its increase should be seen in the development of employee capital plans (pracownicze plany kapitałowe, PPK).

2

Dodatkowe zabezpieczenie emerytalne młodych Polaków

88%

Rutecka-Góra J., Pieńkowska-Kamieniecka S.

Studia BAS

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2023

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issue 3(75)

55-78

EN

The aim of the article is to assess the level of pension security and retirement readiness of young adults (under 30) in Poland. The forms of supplementary pension security used by young adults were analysed, and the level of their participation in supplementary pension plans was examined. Following the introduction, the first section presents the architecture of the old-age pension system in Poland. The second section focuses on young people’s participation level in supplementary pension plans and their savings goals. The next section presents the results of the research on the financial goals and adequacy of respondents’ retirement planning based on OECD/INFE survey data. The last part discusses and concludes the results of the study. The survey found that young adults are not taking enough action to reduce the expected retirement gap and are more likely to set financial goals and be more optimistic about their retirement planning than older adults. They are more likely to rely on their own savings and supplementary retirement security, which, however, is not supported by data on the level of participation in supplementary retirement plans. Only one in five young adults intends to continue working past retirement age.

3

Supplementary pension schemes: needs, possibilities and problems with evaluation from the perspective of an individual saver

63%

Rutecka-Góra J.

Problemy Polityki Społecznej. Studia i Dyskusje

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2019

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issue 44(1)

101-115

EN

The purpose of this article is to identify the scope of information (both qualitative and quantitative) relating to pension products, necessary to evaluate their operation by individual saver and subsequently to compare this scope with the information provided to customers by financial institutions. The research relies on an analysis of available literature, documents and reports of pension institutions as well as the legal acts which govern the pension scheme and the financial market. The analysis of the situation in Poland led to the identification, in the final part of the report, of possible future changes in the information policies and of restraints, which follow from the nature of the products offered and the level of complexity of the supplementary schemes.

PL

Celem artykułu jest identyfikacja zakresu informacji (ilościowych i jakościowych) dotyczących produktów emerytalnych niezbędnych do dokonania oceny ich funkcjonowania przez indywidualnych oszczędzających, a następnie porównanie tego zakresu z publikowanymi obecnie danymi o dodatkowym rynku emerytalnym oraz informacjami przekazywanymi klientom przez instytucje finansowe. Badanie oparto na analizie dostępnej literatury, dokumentów i raportów instytucji emerytalnych oraz aktów prawnych regulujących system emerytalny i rynek finansowy. Na podstawie przeprowadzonej analizy w ostatniej części artykułu wskazane zostały możliwości dalszych zmian w polityce informacyjnej oraz występujące ograniczenia, które wynikają z charakteru oferowanych produktów oraz poziomu skomplikowania systemów dodatkowych.

4

Ogólnoeuropejski indywidualny produkt emerytalny w polskim systemie emerytalnym i prawnym

63%

Pelc P.

Cybersecurity and Law

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2023

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vol. 10

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issue 2

384-397

EN

Poland’s reformed pension system has been under construction since the late 1990s. The originally introduced model, based on the Social Insurance Institution (ZUS), open pension funds, employee pension funds and employee pension plans, was supplemented by individual retirement accounts, individual retirement security accounts and employee capital plans. Poland’s accession to the European Union did not significantly change this structure, but the implementation of the Directive on the Activities of Institutions for Occupational Retirement Provision and Supervision of Such Institutions introduced foreign employers and foreign managers into the system of occupational retirement programs and occupational pension funds. The regulation on the pan-European individual pension product will supplement this system with a third individual product, the pan- European individual pension product. This will introduce an additional complication to the Polish pension system, but will not constitute a fundamental change to it, nor to the Polish capital market.

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2 Studia BAS

1 Cybersecurity and Law

1 Problemy Polityki Społecznej. Studia i Dyskusje

2 Rutecka-Góra J.

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1 Pieńkowska-Kamieniecka S.

1 Russel P.

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Potencjał instytucjonalnych form dodatkowego oszczędzania w zakresie zwiększenia dochodów emerytów w Polsce

Dodatkowe zabezpieczenie emerytalne młodych Polaków

Supplementary pension schemes: needs, possibilities and problems with evaluation from the perspective of an individual saver

Ogólnoeuropejski indywidualny produkt emerytalny w polskim systemie emerytalnym i prawnym