Employee Capital Plans

Entrust the implementation
to an experienced broker

We offer to our clients a comprehensive implementation of an Employee Capital Plan,
tailored to the individual needs of each company.

Punkta Brokers - Jesteśmy brokerem ubezpieczeniowym, specjalizującym się w obsłudze klienta masowego, ze szczególnym naciskiem na ubezpieczenia komunikacyjne.

How the Employee Capital Plan works:

2% of gross remuneration + voluntary additional 2% of gross remuneration
1.5% of gross remuneration + voluntary additional 2.5% of gross remuneration
PLN 250 welcome payment + PLN 240 annual surcharge
Employee Capital Plans

Source: based on published projections of the Polish Development Fund


You will then receive PLN 1007 for the next 120 months
After reaching the age of 60 you can withdraw 25% (PLN 35,191)
By investing minimum contributions, you will accumulate PLN 140,764 over 30 years
If you are 30 years old and you earn PLN 4,000 gross monthly

Assumed annual rate of return on investment during the saving period: 3.5% Assumed annual rate of return during the payout period: 2.75% Estimated annual salary increase: 2.8% Calculations based on the Employee Capital Plans Calculator available at www.mojeppk.pl

Principles of Employee Capital Plan operations

  • All persons employed by a given employer for whom specific pension contributions are paid to ZUS can join the Employee Capital Plan program. Regardless of the number of employees, each employer is required to implement the Employee Capital Plans contract.

Age for joining Employee Capital Plans

Employee’s age Registration for Employee Capital Plans
from 18 to 54 years old mandatory
from 55 to 69 years old on the employee’s sole request, if the condition of a minimum 3-month employment with a given employer is met, within the last 12 months
  • The funds accumulated in Employee Capital Plans will be invested in funds managed by selected financial institution.
  • The employer is obliged to consult employees regarding the choice of the financial institution that runs the Employee Capital Plan for a given company.
  • After the employee joins the Employee Capital Plan, all formalities are taken over by the employer.
  • Payments financed by the employer as income are taxable. The employer is obliged to deduct tax on your remuneration.
  • In the event of a change of employer, the employee may leave the funds in the current account or transfer them to the account set up by the new employer.
  • You can opt out of the Employee Capital Plan at any time.

Benefits of the Employee Capital Plans

  • You can start withdrawing your savings for your future retirement after you reach the age of 60.
  • In exceptional cases, you can withdraw your funds in advance:
  • up to 25% of funds – serious illness of a participant or their relatives
  • up to 100% of funds – covering own contribution when taking a loan to buy an apartment or to build a house
  • Accumulated funds are subject to inheritance and are exempt from inheritance tax.

We invite you to contact and begin cooperation


Management Board Proxy for PPK:


Jarosław Knop

mob: +48 601 989 420
e-mail: jaroslaw.knop@punktabrokers.pl