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Jesteś w: Strona główna > Indywidualne Konto Emerytalne > Przyrost IKE tylko w domach maklerskich

Przyrost IKE tylko w domach maklerskich

Systematycznie rośnie liczba rachunków IKE zakładanych w domach maklerskich. fot.: sxc.hu
dodano 25 Października 2010


W pierwszym półroczu 2010 roku wpłat na sumę 271,7 mln zł dokonano na 212,7 tys. rachunków prowadzonych w ramach IKE. Największym zaufaniem oszczędzających w ramach III filara cieszą się domy maklerskie, które jednak pod względem udziału w rynku nie są znaczącym graczem. Niemniej jednak systematycznie rośnie ilość rachunków zakładanych właśnie u brokerów.

 

Zarówno banki, jak i towarzystwa ubezpieczeniowe oraz TFI zanotowały spadki w aktywach, jak i liczbie kont. Dane te są niepełne, rachuby przekłamują transfery z PPE. Ponieważ nie można wypłacić z nich środków przed osiągnięciem wieku emerytalnego, większość klientów transferuje oszczędności do IKE, a następnie likwiduje rachunek.

 

Limity wpłat na IKE prowadzone przez domy maklerskie właściwie w 100 proc. wyczerpują limity, wynoszące w tym roku 9,58 tys. zł, i stanowiące 3-krotność średniego wynagrodzenia. Przypomnijmy, że dochody wypracowane przez IKE zwolnione są z 19-proc. podatku od zysków kapitałowych (tzw. podatek Belki). Warunkiem jest utrzymanie środków na koncie aż do osiągnięcia prawa do emerytury. Zwolnienie z podatku pozwala na reinwestowanie i korzystanie z tzw. „procentu składanego”.

 

Od dawna podnoszony jest temat zachęt do oszczędzania w ramach IKE. Eksperci są zdania, że zbyt mały jest limit wpłat, a zwolnienie z podatku Belki również nie stanowi wystarczającego powodu, by w ten sposób gromadzić oszczędności na jesień życia. W Sejmie złożony został obywatelski projekt ustawy, w którym postulowana jest możliwość odpisania w PIT 4,8 tys. zł rocznie odkładanych na emeryturę w jakiejkolwiek instytucji podlegającej kontroli Komisji Nadzoru Finansowego.

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