Retirement Without ZUS— secure your future independently from the state
Learn how to build a private pension with tax benefits up to PLN 4,506 per year. Free consultation with an expert.
The ZUS Pension Problem
The ZUS pension system faces serious demographic challenges. Did you know that...
- 1Average pension is only 40% of last salary
- 2By 2050, there will be only 1.5 workers per retiree
- 3Successive governments keep changing pension rules
- 4Real purchasing power of pensions decreases year by year
Solution: Private Pension
IKE and IKZE are individual retirement accounts that allow you to save for retirement with tax benefits. The funds are your property, inheritable, and independent of politicians' decisions.
Why Choose
This Option?
Tax Relief
Deduct IKZE contributions from tax – up to PLN 4,506 per year at 32% PIT rate.
No Belka Tax
IKE withdrawal after age 60 is completely free from 19% capital gains tax.
Inheritance
Funds go to designated beneficiaries without probate and inheritance tax.
Full Control
You decide on investment strategy and withdrawal timing. Independence from ZUS.
Your Retirement Expert
I am Igor Gawryś – an independent insurance multi-agent from the RAU registry (no. 11783073/P). I help clients in Silesia build a secure financial future by comparing offers from over 30 companies.
- Registered in RAU (no. 11783073/P)
- Cooperation with over 30 insurance companies
What Clients
Say?
“Igor helped me understand the difference between IKE and IKZE and choose the best option for my situation. Now I deduct almost PLN 5,000 from my taxes every year!”
Marek K.
Entrepreneur, Katowice
“As a freelancer, I had no idea how to take care of my retirement. Thanks to Igor, I have a plan and peace of mind.”
Anna S.
Graphic Designer, Gliwice
“Professional approach and clear explanations. I recommend to anyone thinking about the future.”
Piotr W.
IT Manager, Bytom
Frequently Asked
Questions
It depends on your tax situation. IKZE gives an immediate benefit (income deduction), but you'll pay 10% flat tax on withdrawal. IKE gives no benefit on contribution, but withdrawal after age 60 is completely tax-free. I often recommend both simultaneously.
In 2026, the limits are: IKE – PLN 23,472, IKZE – PLN 9,388.80 (PLN 14,083.20 for self-employed). In total, you can save over PLN 37,000 annually with tax benefits.
Yes, but with consequences. Early withdrawal from IKE means paying Belka tax (19%). From IKZE, you'll pay full income tax. That's why I treat IKE/IKZE as long-term savings.
Funds are inherited by designated beneficiaries. For IKE, heirs don't pay capital gains tax. For IKZE, they pay 10% flat tax. This is much more favorable than standard inheritance.
You have several options: bank, TFI, brokerage, insurance company. Each has its advantages. I help choose the best option depending on your risk profile and expectations.
Yes, the first consultation is completely free and non-binding. I will analyze your situation and propose the best solutions. I earn commission from companies, not from you.
The process is simple: 1) Free consultation, 2) Analysis of your situation, 3) Choosing the best product and institution, 4) Help with paperwork, 5) Account activation. Everything can be done online or during a meeting.
Start Building Your Private Pension
Schedule a free consultation. I will analyze your situation and show you how much you can save on taxes.
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