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)|
|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:
Tax benefits - you can obtain a tax relief. Already after the first year of saving, the fee for the opening the Emerytura IKE & IKZE Package register is financed by the Tax Office.
Freedom of changing the strategy of saving for retirement – within the umbrella, you can transfer money between different sub-funds without having to pay tax. More about the benefits of umbrella funds.
Use of the maximum limit – In 2017 up to approx. PLN 18 thousand per year – more than in the case of a separate IKE or IKZE. Thus, you can accumulate more capital, which you will enjoy during your retirement.
Flexibility - you can make payments to the package with any frequency, by adjusting the amount of contributions to your current financial situation.
Convenience - payments to the package can be executed online or by contacting the bank advisor, who will provide all the necessary guidance.
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.
How to purchase the Emerytura IKE & IKZE Package?
First: find out where to sign an agreement.
Call the reduced-fare helpline at 801 144 144 to find out where you can sign the IKE and IKZE agreements (only several Customer Service Points have the products in their offer).
If you wish to sign the IKE and IKZE agreements, you can also come to the Union Investment office in Warsaw – please contact us by calling 22 449 03 33 to arrange a visit.
Second: prepare the necessary documents and information.
- photo ID,
- tax identification number (NIP),
- bank account number,
- if you wish to appoint a representative – the person’s data (including ID).
Third: sign the IKE and IKZE agreements.
You will receive copies of the agreements – keep them. You will receive confirmation of the IKE and IKZE registers opening with the unique agreements numbers which you will use later, to the current mailing address provided.
Fourth: make payments to IKE & IKZE registers.