Why don't Poles use effective forms of saving?
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12 answers

Lack of education and laziness.
Setting up a deposit is simple. Acquiring units of a fund is also quite simple - especially when the bank calls and prepares a relevant agreement.
Setting up an Individual Retirement Account (IRA) or even a bond account requires some effort. Personally, the necessity of visiting PKO BP deterred me from dealing with the topic of bonds - it was only when the official inflation rate reached 7% that it motivated me to overcome my aversion towards this bank.
Lack of education and laziness.
Setting up a deposit is simple. Acquiring units of a fund is also quite simple - especially when the bank calls and prepares a relevant agreement.
Setting up an Individual Retirement Account (IRA) or even a bond account requires some effort. Personally, the necessity of visiting PKO BP deterred me from dealing with the topic of bonds - it was only when the official inflation rate reached 7% that it motivated me to overcome my aversion towards this bank.
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- Ignorance: lack of educational programs in the education system at an early stage when habits such as saving should be introduced
- Lack of willingness to take actions aimed at self-education
- Lack of patience, as an essential advantage
- Inability to estimate potential gains and losses
- Inability to assess risk
- Willingness to use widely available and easy methods
These are just a few of them, but eliminating even a few and changing perspective would allow for a change in habits, including the habit of not saving or saving in an improper way.
- Ignorance: lack of educational programs in the education system at an early stage when habits such as saving should be introduced
- Lack of willingness to take actions aimed at self-education
- Lack of patience, as an essential advantage
- Inability to estimate potential gains and losses
- Inability to assess risk
- Willingness to use widely available and easy methods
These are just a few of them, but eliminating even a few and changing perspective would allow for a change in habits, including the habit of not saving or saving in an improper way.
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I think there are several reasons for this, including: lack of investment knowledge, as well as lack of willingness to acquire this knowledge.
Another reason is the lack of funds for investments.
Poles believe that investing is difficult, involves high risk and requires large amounts of cash.
I think there are several reasons for this, including: lack of investment knowledge, as well as lack of willingness to acquire this knowledge.
Another reason is the lack of funds for investments.
Poles believe that investing is difficult, involves high risk and requires large amounts of cash.
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@Duplikat_SamegoSiebie Just reminded me about the monthly purchase of ROD bonds :) Thank you.
@Duplikat_SamegoSiebie Just reminded me about the monthly purchase of ROD bonds :) Thank you.
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