Poland's Personal Investment Accounts target 100 billion zł assets in three years

Poland is introducing Personal Investment Accounts (OKI) to encourage long‑term investing and shift household savings from cash and deposits into the capital market. At a conference hosted by the Warsaw Stock Exchange (GPW), officials projected that assets under the OKI programme could exceed 100 billion zł within three years and approach 200 billion zł in five years. GPW President Tomasz Bardziłowski said the scheme aims to broaden participation in the success of Polish companies and stressed the need for investor trust, simplified regulations and stronger financial education. Finance Minister Andrzej Domański described OKI as a key element of modern economic policy that gives Poles a way to build financial security beyond wages. The programme mirrors Sweden’s ISK model but offers preferential tax treatment and wider access to financial instruments, which regulators claim makes it more attractive for Polish investors. A PKO Bank research report presented at the event supports the asset‑growth forecasts and estimates that up to 23 billion zł could flow into Polish equities by 2027‑2030.