Skip navigation
Saving for retirementHow the PPE worksJoiningTransferring in or out

Starting out

Before you join the PPE, you want to know how your account builds up and what you could get when you stop working

Your account builds up from contributions (from IMI and any you choose to make) and investment returns, so how much money you will have when you retire depends on:

  • how much IMI puts in;

  • how much you put in (if you choose to); and

  • how your investments perform.

Money goes in

IMI pays a basic contribution of 3.5% of your salary each month.

You do not need to pay anything, but if you want to, you can choose to pay an additional contribution from your net pay. You can pay what you want, but the minimum contribution you can make is 50 PLN a month. If you choose to make a contribution, it would go out of your pay automatically.

Contributions calculator

Your account is invested

Your money is invested in a default life cycle investment option related to your age, or you can choose your own investments. See investment options for more information. You can also find out more by visiting or downloading the mobile app, ‘NN TFI24’.

You retire

When you retire you can choose to receive a single payment or multiple payments. See Retirement options for more details.

Keeping track

As a member of the PPE, you will receive a pension statement each year, which will give you an idea of how much your account could be worth when you stop working. You can also keep track of your account online at

This site uses cookies to deliver its services.

Read more Close