Pensions at ESALIENS (IKE, IKZE)
Step 1.
Open IKE with ESALIENS. There are 4 ways to do it and make a transfer withdrawal:
Go to the institution which manages your IKE / PPE and file an application for a transfer withdrawal. You should take with you the confirmation of concluding the IKE agreement that you received from ESALIENS.
File the application for a transfer withdrawal from your current IKE to the IKE with ESALIENS.
The funds should be credited on your IKE account at ESALIENS.
In the case of a transfer withdrawal made from other institutions to the IKE with ESALIENS or from an employee pension scheme (PPE) to the IKE with ESALIENS a processing fee of the maximum amount equal to PLN 750 is chargeable.
The payments performed by the holder of IKE in a calendar year cannot exceed three times the amount of a projected average monthly remuneration in the national economy for the particular year, specified in the budget legislation or in the interim budget legislation or bills of budget legislation or interim budget legislation if relevant acts have not been passed. In the case when the amount will be lower than the amount from the previous calendar year, then the latter amount shall be applicable.
In 2017 an IKE holder may pay into their Individual Retirement Account (IKE) up to PLN 12 789 (this is the maximum amount, you may pay less) and get the possibility to avoid the capital gains tax in the future.
The initial fee for opening the IKE with ESALIENS is maximum PLN 750.
In this case you may open the IKE using the form "Agreement on maintenance of IKE with Legg Mason funds". The filled form should be sent to Legg Mason. It is required that the signature affixed on the form has to be authenticated by a civil law notary. In the case when the IKE agreement is concluded abroad and the signature authentication is made in a foreign language, you need to attach one of the following documents:
a) apostille (attached or placed in the document) of an authority or an institution entitled to do so in the case of countries being a party to the Hague Convention of 5 October 1961 Abolishing the Requirement of Legalisation for Foreign Public Documents (hereinafter referred to as Convention).
b) In the case of countries that are not the parties to the Convention, the document should be authenticated by a Polish diplomatic representation or Polish consular office.
The competence of the office that should authenticate the documents in a particular case should be established based on the country where the clients resides.
The documents made in a foreign language should be translated into Polish by a certified translator. Also the apostille needs to be translated into Polish if it was not made in English.
IKZE is the Individual Retirement Protection Account, a flexible financial solution which helps to accumulate capital for your future. IKZE gives you the possibility not only to secure the financial future for yourself and your close ones but also to gain tax preferences.
When saving on IKZE you may receive at least 2 types of tax relief:
a) Income tax relief – it is closely connected with the amount you pay
into your IKZE account in a calendar year and the tax bracket applicable
for you. The total amount of payments made during a year (up to the
maximum limit of payments in 2017 which is PLN 5,115.60) you can deduct
from the taxable income and that way you may decrease the amount of your
tax burden.
b) Exemption from a capital gains tax – when making withdrawals/returns
from IKZE the capital gains tax is not calculated, while a person saving
on a standard deposit has to be aware of the applicable 19% capital
gains tax.
Our IKZE calculator may help you to estimate your tax preferences resulting from IKZE. The calculator is available in Polish version only at: http://www.esaliens.pl/kalkulator-ikze.html
The
maintenance of IKZE, additional payments as well as the withdrawal or
return after 12 months of the date of concluding the IKZE agreement will
be performed out of charge. A withdrawal or return made within first 12
months of the date of concluding the IKZE agreement is subject to a
processing fee in the amount of PLN 200. A one-off cost connected with
opening of the Individual Retirement Protection Account (IKZE) is
maximum PLN 750.
The
amount of a single payment depends on the IKZE holder (within the
annual limit of payments – PLN 5,115.60 in 2017). The payment cannot be
however lower than PLN 100. The exception is the first payment which has
to be minimum PLN 1.000. You may make payments as often as you wish. You
get the freedom of making that decision!
No, the Act on Individual Retirement Accounts (IKE) and Individual Retirement Protection Accounts (IKZE) stipulates that only one person may save on one IKZE.
No, each saving person is allowed to hold only 1 IKZE.
Step 1.
Open the IKZE with ESALIENS. It’s simple. You can do it in one of the 4 ways presented below:
Upon the opening of IKZE you will receive by traditional mail the
confirmation of the fact that the agreement has been concluded with the
indication of bank account no. to perform transfer withdrawal.
Step 2.
Take the confirmation of concluding the IKZE agreement that you
received from ESALIENS and go to the institution which manages your
IKZE
Step 3.
File the application for a transfer withdrawal from your current IKZE to the new one with ESALIENS.
In
the case of a transfer withdrawal to the IKZE with ESALIENS a
standard processing fee of maximum PLN 750. Learn more about that in question: "How much does IKZE cost".
You
may pay into the IKZE maximum PLN 5,115.60 in 2017. The limit of
payments is determined by the Minister of Labour and Social Policy and
is the same for all IKZE holders.
You may open IKZE even when you turn 16. There is no maximum age limit.
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