{"id":1745,"date":"2019-01-25T13:13:09","date_gmt":"2019-01-25T12:13:09","guid":{"rendered":"http:\/\/www.businessmantoday.us\/?p=1745"},"modified":"2019-01-25T18:25:58","modified_gmt":"2019-01-25T17:25:58","slug":"invesco-w-polsce-czyli-co-nieco-o-ppk","status":"publish","type":"post","link":"http:\/\/www.businessmantoday.us\/pl\/invesco-w-polsce-czyli-co-nieco-o-ppk\/","title":{"rendered":"Invesco w Polsce &#8211; czyli co nieco o PPK"},"content":{"rendered":"<p><strong><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-medium wp-image-1771\" src=\"http:\/\/www.businessmantoday.us\/wp-content\/uploads\/2019\/01\/Zrzut-ekranu-2019-01-25-o-6.22.23-PM-300x440.png\" alt=\"\" width=\"300\" height=\"440\" srcset=\"http:\/\/www.businessmantoday.us\/wp-content\/uploads\/2019\/01\/Zrzut-ekranu-2019-01-25-o-6.22.23-PM-300x440.png 300w, http:\/\/www.businessmantoday.us\/wp-content\/uploads\/2019\/01\/Zrzut-ekranu-2019-01-25-o-6.22.23-PM.png 386w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>Na czym wzorowano si\u0119 podczas tworzenia Pracowniczych Plan\u00f3w Kapita\u0142owych w Polsce? Kto za to odpowiada? I jak to wygl\u0105da w Wielkiej Brytanii?\u00a0 &#8211; opowiada\u00a0<\/strong><br \/>\n<strong>Mark Humphreys,\u00a0Head of EMEA Client Solutions Development \u00a0w Invesco Global Investment Solutions.<\/strong><\/p>\n<p>W 2008 roku rz\u0105d Wielkiej Brytanii wprowadzi\u0142 powszechny system oszcz\u0119dzania, kt\u00f3ry mia\u0142 by\u0107 odpowiedzi\u0105 na problemy demograficzne, jakie wyst\u0119puj\u0105 w Wielkiej Brytanii oraz ma\u0142\u0105 stop\u0119 oszcz\u0119dno\u015bci jakie wyst\u0119puj\u0105 u os\u00f3b o ni\u017cszych zarobkach. System polega na obowi\u0105zkowym proponowaniu przez pracodawc\u00f3w\u00a0 plan\u00f3w emerytalnych zarz\u0105dzanych przez zewn\u0119trzne instytucje finansowe wraz okre\u015bleniem minimalnych sk\u0142adek. Minimalne sk\u0142adki pracodawcy to 2% , pracownika 3 %. Od bie\u017c\u0105cego roku jednak ulegaj\u0105 one zwi\u0119kszeniu , minimalna sk\u0142adka pracodawcy wzro\u015bnie do 3%, pracownika do 5 %. To co wyr\u00f3\u017cnia nasz system to mechanizm autozapisywania (auto enrollment) dzi\u0119ki czemu \u017caden pracownik nie pozostaje poza systemem, musi on zosta\u0107 zapisany przez pracodawc\u0119 z chwil\u0105 podj\u0119cia pracy. Pracownicy maj\u0105 opcj\u0119 wypisania si\u0119 z systemu zapisanego przez pracodawc\u0119 ale co 3 lata zapisywani s\u0105 z powrotem do systemu. Zauwa\u017cy\u0142em, \u017ce organizacja systemu (obowi\u0105zkowo\u015b\u0107, autozapisywanie, zdefiniowana sk\u0142adka) w Polsce b\u0119dzie podobne do tej w Wielkiej Brytanii, natomiast inaczej b\u0119dziecie mieli rozwi\u0105zane kwestie inwestowania \u015brodk\u00f3w: na rynku brytyjskim pracodawcy podpisuj\u0105 umowy z instytucj\u0105 finansow\u0105 kt\u00f3ra przedstawia klientom (pracownikom) fundusze z r\u00f3\u017cn\u0105 polityk\u0105 inwestycyjn\u0105 i pomaga im wybra\u0107\u00a0 optymaln\u0105 struktur\u0119 funduszy, dostosowan\u0105 do ich potrzeb i wieku &#8211; m\u00f3wi\u00a0<strong>Mark Humphreys.\u00a0<\/strong><\/p>\n<p>Co do specyficznej sytuacji w Polsce, to z tego co si\u0119 orientuj\u0119, przeniesienie aktyw\u00f3w d\u0142u\u017cnych z OFE do ubezpiecze\u0144 spo\u0142ecznych os\u0142abi\u0142o zaufanie klient\u00f3w detalicznych do systemowych rozwi\u0105za\u0144 emerytalnych na rynku kapita\u0142owym. W Wielkiej Brytanii stopa odej\u015b\u0107 z systemu (opt-out rate) to oko\u0142o 10 procent co wskazuje na wysokie zrozumienie mechanizmu autozapisywania. To bardzo interesuj\u0105ce jak kszta\u0142towa\u0107 si\u0119 b\u0119dzie ten wska\u017anik w Polsce. Invesco jest akcjonariuszem PTE Pocztylion, posiadamy 1\/3 udzia\u0142\u00f3w i w spos\u00f3b naturalny wprowadzenie PPK w Polsce pozwala nam wykorzysta\u0107 nasze do\u015bwiadczenia i kompetencje z rynk\u00f3w na kt\u00f3rych dzia\u0142amy &#8211; dodaje\u00a0<strong>Humphreys.<\/strong><\/p>\n<p>Pracownicze Plany Kapita\u0142owe nale\u017c\u0105 do rz\u0105dowego projektu dotycz\u0105cego prywatnego systemu d\u0142ugoterminowego oszcz\u0119dzania. Osoby zatrudnione zostan\u0105 automatycznie do\u0142\u0105czone do programu, jednak\u017ce ze wzgl\u0119du na dobrowolny charakter projektu w ka\u017cdej chwili b\u0119d\u0105 mog\u0142y z niego zrezygnowa\u0107. Dodatkowo, pokrywanie wp\u0142at do PPK b\u0119dzie r\u00f3wnie\u017c obowi\u0105zkiem zar\u00f3wno pracownika b\u0119d\u0105cego uczestnikiem projektu, pracodawcy, jak i bud\u017cetu pa\u0144stwa. \u015arodki zgromadzone w ramach PPK b\u0119d\u0105 stanowi\u0107 dodatkowe zabezpieczenie emerytury, kt\u00f3re nast\u0119pnie zostanie wyp\u0142acone uczestnikowi programu w momencie uko\u0144czenia przez niego 60 roku \u017cycia.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Na czym wzorowano si\u0119 podczas tworzenia Pracowniczych Plan\u00f3w Kapita\u0142owych w Polsce? Kto za to odpowiada? I jak to wygl\u0105da w Wielkiej Brytanii?\u00a0 &#8211; opowiada\u00a0 Mark Humphreys,\u00a0Head of EMEA Client Solutions Development \u00a0w Invesco Global Investment Solutions. W 2008 roku rz\u0105d Wielkiej Brytanii wprowadzi\u0142 powszechny system oszcz\u0119dzania, kt\u00f3ry mia\u0142 by\u0107 odpowiedzi\u0105&#8230;<\/p>\n","protected":false},"author":17,"featured_media":1775,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[47],"tags":[],"class_list":["post-1745","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wiedza"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Invesco w Polsce - czyli co nieco o PPK | Businessman Today<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/www.businessmantoday.us\/pl\/invesco-w-polsce-czyli-co-nieco-o-ppk\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Invesco w Polsce - czyli co nieco o PPK | Businessman Today\" \/>\n<meta property=\"og:description\" content=\"Na czym wzorowano si\u0119 podczas tworzenia Pracowniczych Plan\u00f3w Kapita\u0142owych w Polsce? 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W 2008 roku rz\u0105d Wielkiej Brytanii wprowadzi\u0142 powszechny system oszcz\u0119dzania, kt\u00f3ry mia\u0142 by\u0107 odpowiedzi\u0105...\" \/>\n<meta property=\"og:url\" content=\"http:\/\/www.businessmantoday.us\/pl\/invesco-w-polsce-czyli-co-nieco-o-ppk\/\" \/>\n<meta property=\"og:site_name\" content=\"Businessman Today\" \/>\n<meta property=\"article:published_time\" content=\"2019-01-25T12:13:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-01-25T17:25:58+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/www.businessmantoday.us\/wp-content\/uploads\/2019\/01\/Zrzut-ekranu-2019-01-25-o-6.25.33-PM.png\" \/>\n\t<meta property=\"og:image:width\" content=\"387\" \/>\n\t<meta property=\"og:image:height\" content=\"322\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Marcin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napisane przez\" \/>\n\t<meta name=\"twitter:data1\" content=\"Marcin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Szacowany czas czytania\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minuty\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"http:\/\/www.businessmantoday.us\/pl\/invesco-w-polsce-czyli-co-nieco-o-ppk\/\",\"url\":\"http:\/\/www.businessmantoday.us\/pl\/invesco-w-polsce-czyli-co-nieco-o-ppk\/\",\"name\":\"Invesco w Polsce - czyli co nieco o PPK | Businessman Today\",\"isPartOf\":{\"@id\":\"http:\/\/www.businessmantoday.us\/pl\/#website\"},\"primaryImageOfPage\":{\"@id\":\"http:\/\/www.businessmantoday.us\/pl\/invesco-w-polsce-czyli-co-nieco-o-ppk\/#primaryimage\"},\"image\":{\"@id\":\"http:\/\/www.businessmantoday.us\/pl\/invesco-w-polsce-czyli-co-nieco-o-ppk\/#primaryimage\"},\"thumbnailUrl\":\"http:\/\/www.businessmantoday.us\/wp-content\/uploads\/2019\/01\/Zrzut-ekranu-2019-01-25-o-6.25.33-PM.png\",\"datePublished\":\"2019-01-25T12:13:09+00:00\",\"dateModified\":\"2019-01-25T17:25:58+00:00\",\"author\":{\"@id\":\"http:\/\/www.businessmantoday.us\/pl\/#\/schema\/person\/47c1fa0ea2184bb6a20096182b058647\"},\"breadcrumb\":{\"@id\":\"http:\/\/www.businessmantoday.us\/pl\/invesco-w-polsce-czyli-co-nieco-o-ppk\/#breadcrumb\"},\"inLanguage\":\"pl-PL\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"http:\/\/www.businessmantoday.us\/pl\/invesco-w-polsce-czyli-co-nieco-o-ppk\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"pl-PL\",\"@id\":\"http:\/\/www.businessmantoday.us\/pl\/invesco-w-polsce-czyli-co-nieco-o-ppk\/#primaryimage\",\"url\":\"http:\/\/www.businessmantoday.us\/wp-content\/uploads\/2019\/01\/Zrzut-ekranu-2019-01-25-o-6.25.33-PM.png\",\"contentUrl\":\"http:\/\/www.businessmantoday.us\/wp-content\/uploads\/2019\/01\/Zrzut-ekranu-2019-01-25-o-6.25.33-PM.png\",\"width\":387,\"height\":322},{\"@type\":\"BreadcrumbList\",\"@id\":\"http:\/\/www.businessmantoday.us\/pl\/invesco-w-polsce-czyli-co-nieco-o-ppk\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Strona g\u0142\u00f3wna\",\"item\":\"http:\/\/www.businessmantoday.us\/pl\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Invesco w Polsce &#8211; 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