Employee Capital Plans in PFR TFI
We provide comprehensive support and tools devoted to ensuring the fast implementation and operation of the ECP
It's worth choosing ECP at PFR TFI
Are you faced with choosing an institution to entrust with managing Employee Capital Plans in your company? Discover the benefits of PPK at PFR TFI.
At PFR TFI, we have prepared a comprehensive offer that will ensure the implementation and management of ECPs in your company run smoothly and involve as little of your time and resources as possible. We provide full support from our experts at every stage of creating and running Employee Capital Plans - both in terms of administrative and operational activities, training for employees and employers, communication, and order processing.
We provide
Find out how to sign a PPK management agreement
An interactive step-by-step guide will walk you through the entire process of concluding the agreement.
What makes us unique?
The team will prepare an individual schedule of ECP implementation taking into account the needs of your company and communication with employees. It will guide you through the process, provide training concerning procedures and systems, templates of forms, declarations and materials for employees so that you are spared from unnecessary work.
We help to fulfill the employer's obligations resulting from the provisions on PPK. We will suggest when and what to inform employees about, how to handle orders, how to update the lists of reported employees.
The iPPK system provides great support in the implementation and operation of the ECP. This user-friendly tool will allow for the efficient management of the plan and the fulfilment of obligations towards employees. It will also allow for the automation of processes and the limitation of your active involvement.
We will carry out comprehensive training for you and for your employees, adjusting it to the specific nature and needs of your company. We will present the persons liable for ECP implementation the detailed issues connected with the operation of the plan and the iPPK system and inform employees about the rules and benefits of participation. We will also provide brochures, posters, mailing and articles concerning the ECP.
How to join ECP in simple steps
Every day in Poland, around 1000 companies are established. They are also obliged to establish ECP if they employ workers. They are subject to individual implementation deadlines. The agreement on managing PPK on behalf of employees can be signed as soon as 14 days after employing the first employee and no later than the 10th day of the month following the month in which the 3-month (90-day) employment period of that person has expired.
Take, for example, an entrepreneur who employed an employee on 1 March. In this situation, the agreement on managing PPK can be concluded between 15 March and 10 June, as the 90-day period from the date of employment will expire on 30 May. The agreement with the selected financial institution must be signed at least 10 working days earlier, and it does not matter whether the new employee had PPK with their previous employer. Remember that the choice of a financial institution should be made with the participation of employees.
*Upon receiving this information, participants have a further 7 days to consent to such payment. Failure to consent will result in the continued management of the accumulated funds by the same financial institution. New contributions will then go to PFR TFI. If employees do not express lack of consent within the specified period, an application for a transfer payment must be submitted on their behalf.
Discover the benefits of Employe Capital Plans
Employee Capital Plans are more than just a systematic savings program. It is an investment in the future, which is why the program is designed in a way that allows all participating parties - including the employer - to benefit. Here you will learn about the benefits you can gain from ECPs.
Positive image of employee
You gain an additional motivational tool, thanks to the possibility of making additional payments up to 2.5% of your salary. This can be a significant advantage in terms of recruiting and retaining employees.
Loyalty and acquisition of employees
More and more people expect the employer's involvement in social issues. Employers who meet these expectations can count on greater commitment, loyalty and support from employees.
Financial incentives
The employer's expenses are tax deductible and reduce the income tax base. Moreover, they are not included in the salary base on which the amount of old-age and disability pension contributions is determined.
Easier access to financing
Long-term savings in ECP are funds that can really contribute to the development of the economy by increasing the capital available to Polish companies.
Corporate social responsibility
The assessment of business activity takes into account, inter alia, involvement in social issues. An example is responsibility for employees and their financial security.
Employee's financial wellbeing
An aspect particularly important from the employer's perspective is that the ECP is an expression of their responsibility for employees and their families.
Attractive management fees
The management fee of the subfund collected by us is included in the price of the participation unit. Its level is significantly lower than the maximum level permitted by the ECP Act (0.5% of the net value of the subfund assets per annum).
Regardless of their fulfilment, we will not collect any success fee until the end of 2021. In addition to the management fees, we do not collect any fees from the employer or from the ECP participant, including for:
- the transfer of funds between the subfunds and the change in the division of the current payment to the ECP, regardless of their number during the year,
- payments to the ECP, welcome payments and annual contributions from the state,
- payments and transfer payments, returns,
- employer access to the iPPK system and participant access to the IAT FI.
Usefull tools
Check the amounts you will allocate for contributions to ECPs in your company.
You can sign ECP management agreement in several minutes from anywhere.
The tool will help you to handle Employee Capital Plans in your company efficiently.
Multimedia
You are looking for information about PPK in the form of short videos or online training. Here you will find interesting materials.
iPPK instructional video
The iPPK system is a support for every employer in implementing and servicing PPK. It allows for full service of PPK from anywhere.
Watch a short video to learn more about all the possibilities of iPPK.
Do you need more detailed information or maybe you are looking for document templates?
We have prepared a set of the most important files for you.
Check out our offer concerning the creation, management and operation of the Employee Capital Plan (ECP).
What’s good to know about the Employee Capital Plans.
Here you can find detailed information on the rights of the participant, the investment policy and the risk involved in investing.
What it is worth to know about ECP
Would you like to learn more about ECP? To enable you to discover all the benefits of PPK and to make it easier for you to use all its possibilities, we have created the ECP Knowledge Centre, where our experts answer the most frequently asked questions about PPK, explain the practical aspects of implementing and operating the programme. Here you will also find the necessary instructions and sample documents.
ECP is a choice that pays off.
Join Employee Capital Plans together with PFR TFI and take advantage of the opportunities offered by the programme. Take care of your employees' future and your company's development today.
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