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You are here: Home RetirementFor individual clients Individual Retirement Account (IKE)

Individual Retirement Account (IKE)

Save to make your life better!

Give yourself a chance for a bright future and open the Individual Retirement Account with ESALIENS.

Individual Retirement Account (IKE)

The Individual Retirement Account (IKE) is an exceptional account on which you accumulate savings to provide for your future. This is one of few possibilities of saving in Poland without 19% tax on gains. By opening the IKE with ESALIENS, you can give yourself independence from the mandatory pension system and build your additional capital for the later years of your life. The whole process is based on very flexible and convenient rules. The limit for payments to the IKE, determined annually by the Minister of Labour, is as high as PLN 20,805 in 2023, giving you broader prospects for a bright future! Find out what else the IKE with ESALIENS has to offer!

Why choose IKE with ESALIENS?

Favourable conditions at the start

Clear conditions!

When opening an IKE with ESALIENS, you receive exceptional conditions:
  • One-off fee for opening the account PLN 750
  • Keeping registers for free
  • Additional payments without handling fees

Flexible deposits and withdrawal of funds

Decide for yourself!

By creating convenient conditions of the IKE with ESALIENS, we took care of your independence. You decide for yourself about the frequency and amounts of payments!

You only need to remember that a minimum amount of payments to the IKE with Legg Mason is PLN 1,000 (the first payment) and PLN 100 (every subsequent payment). You can withdraw funds collected on your IKE at any time.

Provision for the future

Fulfilment of life plans

According to forecasts, the pension amount in relation to the final salary will be much lower in the future than it is now. The IKE gives you an opportunity to build a capital independent of the Social Insurance Institution (ZUS) or an Open Pension Fund (OFE).

This account allows you to provide for your future on your own and also gives you an opportunity to provide for your relatives - collected funds are inherited by people you choose.

Protection against tax on gains

Save wisely!

Thanks to the IKE with ESALIENS, you have a chance to protect your potential earnings against tax in the amount of 19%.

If you meet the conditions defined in the Act on IKE with respect to age and the appropriate period of saving, you will have an opportunity to enjoy higher savings. Find out the details!

Investment strategies

Regularity and long-term plans for collecting funds on the IKE are a recipe for success and satisfactory results. We have created favourable conditions for every type of investor. Strategies are adapted to age, capabilities and expectations. Within the IKE with ESALIENS you can create your own investment portfolio by dividing payments among funds or choose a model investment strategy prepared by specialists. You can also change your decision at any time. Without fees!

Basic strategy with the ESALIENS Stable subfund

If you choose ESALIENS Stable, you are probably a long-term investor accepting a moderate investment risk, having in mind especially pension purposes. You expect a higher rate of return than those offered by bank deposits, as well as debt, cash and money market funds.

ESALIENS Stable invests part of its funds in equities, but a greater emphasis is placed on debt securities, for example bonds. This subfund gives you an opportunity to invest in great measure in debt securities issued by the State Treasury and commercial debt securities.

To sum up:
- typically, you invest 35% of funds in shares, mostly of Polish companies
- you invest most of your funds in Treasury bonds, commercial debt securities and money market instruments (about 65% of your investments)

Individual strategy

If you choose Individual Strategy, you are probably a determined investor, and you are well-oriented as regards rules of the capital market. You create your own investment portfolio by deciding to which of ESALIENS funds they will be allocated.

Depending on your decisions, you can choose several funds/subfunds or decide to invest only in one fund/subfund.

List of available funds/subfunds, with which you can create your own investment portfolio:

ESALIENS Small and Medium Cap
ESALIENS Global Equity
ESALIENS Medicine&New Technology ESALIENS Innovation
ESALIENS Stable ESALIENS US Small Cap Opportunity
ESALIENS Conservative ESALIENS Emerging Markets
ESALIENS Senior OEIF ESALIENS Global Fixed Income Multi Strategy
  ESALIENS Macro Opportunities Bond

 Remember that you can invest at least 5% or an amount which is a multiple of 5% of your deposit in one fund/subfund.

Model strategy - "Life Cycle"

If you select the Model Strategy "Life Cycle", you are probably an investor who wants to diversify risk and make the investment model dependent on your age and needs.
We determine an investment strategy for you in advance, and we adapt it to your age - the older you get, the lower is the investment risk we strive to choose for you by adjusting operations so that they are still exceptionally beneficial.
The Life Cycle is a very convenient strategy - we save your precious time, because decisions about allocations of your funds are made automatically, and you collect the fruits of your investments.

The fund allocation method under the "Life Cycle" model strategy is presented in the table and the graph below:

Age up to 45 over 45 to 50 over 50 to 55 over 55 to 60 over 60 to 65 over 65 to 70 over 70
ESALIENS Conservative
0% 0% 0% 0% 40% 60% 70%
ESALIENS Stable 40% 60% 80% 100% 60% 40% 30%
ESALIENS Equity 60% 40% 20% 0% 0% 0% 0%


start investing with ESALIENS

Transfer your IKE to ESALIENS

save for your future

Open the IKE with ESALIENS


Do not forget about payments! Get free email remineders about additional payments to your IKZE account! Learn more

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I hereby acknowledge that along with providing my e-mail address I consent to receive communications from Esaliens TFI SA with its registered office in Warsaw or investment funds managed by Esaliens TFI SA ("Esaliens") by electronic means, including via telecommunications terminal equipment, about its products, services or promotions.


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