Powszechny program kapitałowy a oszczędności gospodarstw domowych
Universal capital plan and household savings

Summary/Abstract: Employee capital plans are intended not only to increase the financial security of Poles when they reach retirement age, but also to increase the savings rate of households. In order to achieve this, the creators of the program have assumed a high level of participation in the program, which is to be supported by, among others, a default enrollment mechanism. However, experience to date calls these optimistic assumptions into question. Low awareness of the need to save for future retirement and limited public confidence in the forms of accumulating retirement savings offered by the state are the main barriers to the development of such programs.

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