IKE/IKZE 是否值得？

I personally believe that opening an IKE/IKZE account can be profitable and beneficial for many people. It is a way to systematically accumulate savings that can be used in the future for retirement or housing purposes. As for my own experiences, unfortunately I do not have an IKE/IKZE account, but I have heard many positive opinions about these accounts. People who have decided to open such an account are happy to receive tax benefits and favorable investment conditions. If you are considering opening an IKE/IKZE account, I recommend thoroughly researching various banks and financial institutions to find the best conditions. It is important to compare the costs of management, commissions, and services in order to choose the most advantageous offer. As for risks, I have not heard of any major problems associated with IKE/IKZE accounts, similar to the risks associated with the pension fund (OFE). Nevertheless, it is always worth reading the contract and regulations carefully to be aware of any potential risks.

1. It is worth it, especially if you want to save for retirement, as you do not pay tax on capital gains after reaching the age of 60 in the case of Individual Retirement Accounts (IKE), and in the case of Individual Pension Security Accounts (IKZE) you can lower your tax or receive a tax refund in a given year because you deduct IKZE contributions from your income. However, after reaching the age of 65, you have to pay a 10% tax on the accumulated capital in an IKZE account. IKE and IKZE have different annual contribution limits, in 2023 it was 20,805 PLN and 8,322 PLN respectively. In case of need, IKE/IKZE accounts can be terminated before the deadline, but in the case of IKE, you have to pay tax on capital gains, and in the case of IKZE, the withdrawn capital is subject to the progressive tax scale (currently 12% or 32%), meaning that with a higher amount, there is a risk of falling into a higher tax bracket and paying a higher tax. 2. IKE/IKZE can take various forms. We ourselves decide what we want to invest in. We can invest in the form of a brokerage account, an investment fund, a savings account, or government bond accounts. The choice depends on whether we want to deal with investing ourselves, our knowledge, the acceptable investment risk, and the expected rate of return. 3. The specific costs depend on the investment form. Each company offering these accounts has its own conditions. However, many institutions charge lower fees for managing IKE/IKZE accounts or do not charge any fees at all, but it is important to check carefully. For example, MBank's brokerage department used to have IKZE accounts without account management fees, but later introduced a fee of 50 PLN per year for new customers. However, conditions change from time to time, so it is necessary to check what the current situation is. Based on past experience, it seems most profitable in the long term to invest in low-cost ETFs tracking global stock indexes, although one must be prepared for larger fluctuations during the investment period. 4. There is no such risk because IKE/IKZE accounts and the money accumulated in them are your private property, so if the government wanted to take them over, they would just as well take what you have in your bank account. This situation is possible but highly unlikely. In the case of Pension Funds (OFE), they took advantage of the fact that a portion of the health insurance contribution paid from salaries went to OFE, and the government deemed that since it is a portion of the contribution, like a tax, they can decide whether the contribution goes to the Social Insurance Institution (ZUS) or another institution.

I am an insurance agent and I think it's not worth it.