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Streszczenie
The Fundamental questions in all pension systems concern the choices made by individual.
The most important issues are: whether and to what extent individuals should determine the choice
of pension products provided; whether and to what extent individuals should determine the choice
of investment portfolios; whether and to what extent individuals should determine the choice of
stream of income in retirement. Consideration in this text focuses on individual retirement
decisions that are made in the phase of capital accumulation. The subject of inquiry is questions
about the causes: the reasons for the low interest of savings in the third pillar of pension provision
in Poland; the causes in variation of savers determined by gender and age; the reasons for
determining the allocation of assets within the Individual Retirement Account PZU (insurance
company). For this purpose, the described facts are explained by referring to the reliable
knowledge of behavioral economics. The author made the analysis of basic legal regulations
governing the operation of individual retirement accounts, and individual retirement savings
account, as well as the analysis of basic statistics describing the market. Attention is paid to the
key growth barriers of the third pillar of pension provisions in Poland and savers investment
behavior within the individual retirement accounts. The text concludes proposals aimed at
encouraging the development of voluntary forms of pension provision in Poland.
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