ECP - Employee Capital Plans (PPK)

Employee Capital Plans – Saving for Your Employees’ Retirement

On 1 January 2019 the Act on Employee Capital Plans Act (PPK) entered into force. It is a new long-term saving system for employee pensions. The PPKs are voluntary, which means your employees may resign from them. However, as an employer, you have a duty to implement them in your company. The time-frame in which you are expected to do this depends on the number of employees in your company.

PPKs in a nutshell

  • The money in a PPK account is the employee’s property and is inherited upon the employee’s death.
  • The employees may withdraw all their money from the PPK account free of charge, once they reach the age of 60.
  • The money may be partly paid out earlier only when the employee is in a difficult situation or wishes to finance his or her own contribution to the purchase of an apartment.
  • Your task as an employer is to set up the PPK in your company and choose the financial institution to manage it.

Useful Information

The deadline to introduce the PPK in your company depends on the number of employees. The implementation process is the same for all companies.
The institution to maintain the PPK in your company will take responsibility for your money and that of your employees. It will also watch over the transfer and monitoring of contributions. So, choose wisely
The PPK contributions mean saving money for retirement for your employees – apart from that saved in the Social Insurance Institution and Open Pension Funds. This one, however, is voluntary and more flexible.


Stay up to date with information about PPK. We will provide them regularly.
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Questions and answers

We are offering support in terms of the subject matter and technology for implementing the ECP

  • View of the current investment status in the transaction service.

  • Information concerning the PPK and the offer of Generali Investments TFI available with our hotline.

Why Generali Investments?

  • We have been successfully acting in the Polish market for over 25 years managing assets worth over PLN 17 billion.

  • We offer some of the best pension-saving solutions in the market ("IKE i IKZE na 5" in 2021 according to the ranking by Analizy Online).

  • We offer more than 20 funds with varying investment strategies.

  • We have already been chosen by over 160,000 Investors.