Investment funds as a tool for saving for retirement


Postponing money for retirement in Pillar III of the pension system allows you to avoid capital gains tax and accumulate a substantial amount if your investments are considered. One of the saving options are investment funds offered by investment fund companies.

In addition to bank deposits, life insurance, voluntary pension funds and brokerage accounts, investment funds are tools for saving for retirement. They are available within IKE Individual Pension Accounts and IKZE Individual Pension Security Accounts.

Investment funds - who manages the funds and how?

Funds are managed by investment fund companies. Specialists licensed by the Polish Financial Supervision Authority working in these bodies advise on how to invest money in cash funds, shares and bonds. An investment fund company, e.g. Union Investment, can offer clients ready-made saving options or help to create individual programmes.

Financiers value the rates of return in open and closed-end funds, construct savings plans and reliably advise on investing. Therefore, it is particularly worth choosing those investment fund companies which can boast many years of experience and high effectiveness, as evidenced, for example, by the awards won many times in the industry.

Types of investment funds and products recommended for future pensioners

Under IKE or IKZE, the most recommended investment funds are those in which long-term investments are made. The safest choice is bond funds. The funds are invested in treasury, municipal and commercial bonds. Their value may fall if interest rates (increase) or economic prospects change. In the case of foreign funds, exchange rates are also important.

Investment fund companies usually also offer other, more risky options for putting money aside. Forecasted profits may be higher, but with them the risk of investment increases. If none of the ready-made programs is suitable, you can compose your own portfolio by selecting individual sub-funds. This is possible in so-called umbrella funds.

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