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    For the employee

    Employee Capital Plans (PPK) – Your Step Toward a Secure Future

    Saving within the Employee Capital Plans (PPK) is a simple way to build financial security. Thanks to regular contributions from the employee, the employer, and the state, your savings grow faster than you might think. It’s a real benefit that doesn’t burden your budget and can significantly improve your comfort of living in the future. PPK is an investment in yourself — so start today!

    Below you will find the most important information about PPK. You can also take part in free educational training sessions that we provide for employees. Dates and links are available on our training portal.

    What are Employee Capital Plans (PPK)?

    PPK is a modern savings program for your future, and you are not alone in it.
    With contributions from your employer and the state, you regularly increase your savings and take care of a better tomorrow.

    You save effortlessly

    Contributions are automatic and require no action on your part.

    You gain more than you put in

    Your employer and the state add to your contributions.

    Your money is invested professionally

    With a long‑term return in mind.

    You have access to your savings

    At any time, and after the age of 60 – tax-free

    Your accumulated savings are your private property

    You manage them through the inPZU online service, where you can also indicate beneficiaries.

    Your money is inheritable

    In the event of your death, your savings go to your loved ones.

    You don’t need to do anything — your employer will enroll you in PPK if you:

    18-54 years

    automatically*

    55-69 years

    upon your request

    if you meet the conditions

    70 years and above

    you cannot join PPK

    PPK offers three sources of contributions:

    *If income from all sources does not exceed 120% of the minimum wage, the employee’s basic contribution may be reduced to 0.5%.

    Check how much you can save with Employee Capital Plans (PPK)

    PPk calculator for Employees

    With PPK, you are an investor — even if you don’t realize it

    In PPK, we invest with you in mind – that's why the funds are tailored to your age.

    This means that the investment strategy changes as the years go by. Younger PPK participants benefit from a higher growth potential by having a larger portion of their assets invested in equity instruments (stocks). As they approach retirement, a growing share of the portfolio is allocated to debt instruments (bonds), which reduces investment risk.

    An investment that grows and matures with you.

    PPK inPZU Subfund 2060

    Equity share

    Debt share
    2019-2039 from 60% to 80% from 20% to 40%
    2040-2049 from 40% to 70% from 30% to 60%
    2050-2054 from 25% to 50% from 50% to 75%
    2055-2059 from 10% to 30% from 70% to 90%
    from 2060 up to 15% up to 85%

    TFI PZU offers 10 target-date subfunds within the inPZU SFIO PPK framework:
    PPK inPZU 2025 - for those born before 1968
    PPK inPZU 2030 - for those born between 1968-1972
    PPK inPZU 2035 - for those born between 1973-1977
    PPK inPZU 2040 - for those born between 1978-1982
    PPK inPZU 2045 - for those born between 1983-1987
    PPK inPZU 2050 - for those born between 1988-1992
    PPK inPZU 2055 - for those born between 1993-1997
    PPK inPZU 2060 - for those born between 1998-2002
    PPK inPZU 2065 - for those born between 2003-2007
    PPK inPZU 2070 - for those born after 2008

    You can find detailed information and the performance results of the target‑date subfunds HERE.

    Your savings, your pace

    Flexibility that pays off. You can withdraw your PPK savings after the age of 60 according to the following rules:

     

    25% of the funds in one lump sum, 75% in at least 120 installments (10 years) – without capital gains tax.

     

    The entire amount as a lump sum, with capital gains tax applied (the tax applies to 75% of the withdrawn funds).

     

    As a joint marital benefit.

    Other cases in which accumulated savings can be withdrawn:

    • Up to 100% as a loan for your own contribution when taking out a mortgage.
    • Up to 25% in the event of serious illness of the PPK participant, their spouse, or child.

    Transfer withdrawal

    A transfer withdrawal gives you the option to move your PPK savings when you change employers.

    Why is it worth making a transfer withdrawal?

    Easier management of your accumulated funds

    Changes to your investment strategy are made within a single PPK account.

    You don’t have to search for your money

    After you finish your professional career, you submit one withdrawal request for all your savings.

    Beneficiaries are designated to one account

    In PPK, you must indicate beneficiaries for each account. By keeping all your funds in one PPK account, you only designate beneficiaries once.

    One agreement when withdrawing funds for a mortgage down payment

    If you withdraw funds to cover the required own contribution for a mortgage, all formalities are handled within one financial institution.

    inPZU Online Service

    We provide you with access to the modern and user‑friendly inPZU online platform.

    Through the service, you can, among other things:

    • check the balance of your PPK account
    • update your personal details
    • designate beneficiaries for inheritance of your funds
    • submit instructions to change subfunds

    You can activate access to the service easily using your trusted profile (Profil Zaufany). Instructions for activation can be found HERE.