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Jesteś w: Strona główna > Oszczedzanie w III filarze > Paneliści zastanawiali się, jak ożywić III filar

Paneliści zastanawiali się, jak ożywić III filar

Ożywienie trzeciego filaru wymaga zachęt podatkowych. fot.: sxc.hu
dodano 27 Października 2010

Podczas warszawskiego Forum Funduszy Inwestycyjnych 2010 uczestnicy dyskutowali na temat konieczności zmiany uregulowań prawnych oraz wizerunku instytucji finansowych inwestujących oszczędności przyszłych emerytów w III filarze.


W rozmowach położono również nacisk na edukację społeczeństwa. Polacy najczęściej nie zdają sobie sprawy z zasad działania systemu emerytalnego. Rodacy są przekonani, jak wynika z sondaży, że otrzymywać będą emerytury zgodnie z regulacjami, które objęły ich dziadków i rodziców.


Ilość kont zakładanych w ramach III filara, mających zagwarantować Polakom godną emeryturę, jest wciąż zbyt mała. Chodzi zarówno o Indywidualne Konta Emerytalne, jak i Pracownicze Programy Emerytalne. Na rachunkach IKE zgromadzono 2,2 mld zł, a na PPE 5 mld. W roku 2005 założono 264 tys. IKE, a rok później 444 tys. W roku 2009 tylko 37 tys., a w czerwcu 2010 zaledwie 18 tys. Pracowniczych funduszy i programów emerytalnych jest jeszcze mniej.


Zdaniem panelistów Forum powoływanie PPE powinno być uproszczone, a gromadzenie w nich oszczędności premiowane możliwością odliczenia od podatku PIT i CIT. Za największą wadę uznano możliwość wypłaty zgromadzonych w IKE oszczędności bez konieczności zamknięcia rachunku.

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