IKE & IKZE

Why should you already start saving money for retirement?

  • The best way to secure your financial independence in the future is regular saving.
  • The more you contribute, the more money you will have upon retirement.
  • The sooner you start saving, the less you will have to contribute to accumulate the desired capital.


Union Investment offers individual saving for retirement in the form of the Emerytura IKE & IKZE Package, consisting of an Individual Pension Account (IKE) and an Individual Pension Assurance Account (IKZE).
 

Emerytura IKE & IKZE Package – key information:
 

  Individual Pension Account (IKE) Individual Pension Assurance Account (IKZE)
Income tax
  • Pay-off and redemption exempt
  • Deduction of payments from tax base
  • Pay-off and redemption tax
Capital gains tax None None
Fee for register opening PLN 600 PLN 600
Max. limit of annual payments

PLN 12,789 in 2017

3 times the average monthly salary

PLN 5,115.60 in 2017

4% of annual basis for payments to the pension scheme

Min. payment amount First: PLN 1,000
Next: PLN 100
First: PLN 1,000
Next: PLN 100
Bank account number for payments 71 1880 0009 0000 0013 0012 3007 76 1880 0009 0000 0013 0079 6000

 

Advantages of the Emerytura IKE & IKZE Package at Union Investment:

 

Emerytura IKE & IKZE Package choice options:

Moderate portfolio Dynamic portfolio Individual portfolio
Larger participation of debt securities in the portfolio Larger participation of shares in the portfolio The investor chooses sub-funds that meet his expectations best
Assets invested in the following sub-funds: UniKorona Obligacje, UniKorona Zrównoważony, UniKorona Akcje Assets invested in the following sub-funds: UniKorona Akcje, UniKorona Zrównoważony, UniKorona Obligacje Capital may be allocated in no more than 4 sub-funds, selected from the 11 available (all sub-funds from the UniFundusze FIO umbrella, except for UniDolar Pieniężny)
Proportions of assets change together with the investor’s age – the share of safe securities gradually increases. Proportions of assets change together with the investor’s age – the share of safe securities gradually increases Possibility of changing allocation between sub-funds up to 5 times a year.

You can open the Individual Pension Account (IKE) and the Individual Pension Assurance Account (IKZE) disjointly, outside the package.