Wpływ zmian regulacji prawnych na potencjał finansowy instytucji II filara emerytalnego
The Regulatory Changes’ Impact on Second Pension Pillar’s Institutions’ Financial Potential

Summary/Abstract: The purpose of the submitted article is to present the evolution of legal regulations concerning the functioning of Open Pension Funds, the assessment of legislative changes’ influence their financial potential and impact on the level of funds collected by members of the open pension funds for their future pensions. According to the formulated research hypothesis, the current law regulations resulted in a significant reduction in pension funds’ importance, as financial investors, and the level of contributions, transferred to their investment portfolios will result in the very low level of the replacement rate for their clients. This should make investing in the third voluntary pension pillar more common among future pensioners.

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