The conditions for receiving the bonus are as follows: any PPK 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.
Employee Capital Plans is simply a programme that allows the gradual collection of funds for the future. With subsidies from employers and the state, savings increase faster than in the case of self-delaying. The decision on the cost-effectiveness of specified savings must be made on its own.
Who can number on a bonus? The yearly bonus may be counted on by any employed individual who has delayed at the PPK 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.
The number of PPK participants at the end of 2024 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.
Figures show that PPK is increasingly popular among Poles. In 2023, about 2.5 million people joined the program, and in 2024 the number increased to about 4 million. This means that more and more people decide to save money under PPK.
Are PPK profitable? This is simply a question that everyone must consider alone. However, it should be remembered that PPK is simply a long-term savings programme which allows for gradual collection of funds for the future. With subsidies from employers and the state, savings increase faster than in the case of self-delaying.
The conclusions of the above information are as follows: PPK is simply a program that allows savings for the future, and thanks to subsidies from the employer and the state, savings increase faster. Anyone who meets the conditions can number on a bonus from the state of 240 PLN. However, we must remember that the decision on the cost-effectiveness of specified savings must be made by everyone.
