We offer to our clients a comprehensive implementation of an Employee Capital Plan, tailored to the individual needs of each company.
All persons employed by a given employer for whom specific pension contributions are paid to ZUS can join the Employee Capital Plan program. Regardless of the number of employees, each employer is required to implement the Employee Capital Plans contract.
The funds accumulated in Employee Capital Plans will be invested in funds managed by selected financial institution.
The employer is obliged to consult employees regarding the choice of the financial institution that runs the Employee Capital Plan for a given company.
After the employee joins the Employee Capital Plan, all formalities are taken over by the employer.
Payments financed by the employer as income are taxable. The employer is obliged to deduct tax on your remuneration.
In the event of a change of employer, the employee may leave the funds in the current account or transfer them to the account set up by the new employer.
You can opt out of the Employee Capital Plan at any time.
For companies employing over 250 employees, the Employee Capital Plans program starts on July 1, 2019.
Smaller companies will be able to join it according to the schedule below.
at least 250employees
at least 50employees
at least 20employees
and the public finance sector
You can start withdrawing your savings for your future retirement after you reach the age of 60.
In exceptional cases, you can withdraw your funds in advance:
Accumulated funds are subject to inheritance and are exempt from inheritance tax.