You count steps, calories, sleep stages. What about retirement?

For many people, retirement is still associated with the end of professional activity, inevitable aging or illness. In fact, we live much longer today than previous generations, and the quality of life in our later years is often better than before. However, there is another side to this coin – increasing life expectancy combined with low birth rates mean that the pension system is under increasing pressure. The so-called replacement rate – i.e. the ratio of the future pension to the last salary – in 2023 the pension amounted to 56.6%, and in 2050 it will drop to approximately 25%. (31% for men and 21% for women, respectively)².

The conclusion is simple: in 15 or 30 years, many retirees may have to reduce their spending to adjust to lower incomes. Therefore, in order to maintain the current standard of living, it is worth taking care of private savings early on. This will help you build a sense of security and comfort in the later years of your life.

Can you cope with the rising cost of living?

This is an important topic because it concerns not only finances, but also the sense of security and independence. People with breaks in employment, those earning lower incomes, as well as some micro-entrepreneurs and sole proprietors are particularly exposed to the risk of low benefits. There are over 2 million of the latter in Poland – the amount of their pensions may be low due to paying minimal ZUS contributions (despite high income)⁴. Additionally, some reliefs and exemptions, although sometimes helpful, include: they reduce the capital saved for future retirement.

Save and protect your loved ones

It is worth taking care of your financial security by regularly setting aside amounts appropriate to your capabilities. You can use pension solutions available on the market, such as IKE, IKZE, PPE or PPK, or products that combine life protection with saving for the future.

For people who want to combine insurance protection with long-term capital building and have the option of extending protection to include additional risks, PZU Perspektywa na Przyszłości – life and endowment insurance with bonuses – may be an appropriate solution.

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