Indywidualne Konta Emerytalne i Indywidualne Konta Zabezpieczenia Emerytalnego a oszczędnościowy potencjał polskich gospodarstw domowych
Journal Title: "Finanse" Czasopismo Komitetu Nauk o Finansach PAN - Year 2015, Vol 8, Issue 1
Abstract
The article deals with the problems related to the potential of Polish households for individual savings in terms of income which is viewed as a factor predominantly determining the amount of savings and the course of savings processes, including retirement savings. Within the context of households’ savings characteristics, the following aspects have been taken into consideration: propensity to save, level of accumulated savings, forms of savings, attitudes towards and motives for long-term saving, and based on such aspects it is possible to appropriately describe the potential for saving for retirement. While emphasizing the income element, other factors (such as: the demographic factor, confidence in financial institutions, expectations regarding the near future or appropriate policy of the state) which affect the status and the near prospect for development of retirement savings in Poland, particularly Individual Retirement Accounts and Individual Retirement Savings Accounts, have also been pointed out.
Authors and Affiliations
Iwona Duda
Keywords
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