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