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		<identifier>oai:repozytorium.uni.wroc.pl:94203</identifier>
	    <datestamp>2026-03-23T14:51:21Z</datestamp>
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<dc:title xml:lang="pl"><![CDATA[Zainteresowanie oraz opłacalność oszczędzania na emeryturę w III filarze]]></dc:title>
<dc:creator><![CDATA[Koćwin, Julitta]]></dc:creator>
<dc:subject xml:lang="en"><![CDATA[pension]]></dc:subject>
<dc:subject xml:lang="en"><![CDATA[pension funds]]></dc:subject>
<dc:subject xml:lang="en"><![CDATA[savings]]></dc:subject>
<dc:subject xml:lang="en"><![CDATA[III Pillar]]></dc:subject>
<dc:subject xml:lang="en"><![CDATA[bank deposits]]></dc:subject>
<dc:subject xml:lang="pl"><![CDATA[emerytury]]></dc:subject>
<dc:subject xml:lang="pl"><![CDATA[fundusze emerytalne]]></dc:subject>
<dc:subject xml:lang="pl"><![CDATA[oszczędzanie]]></dc:subject>
<dc:subject xml:lang="pl"><![CDATA[trzeci filar]]></dc:subject>
<dc:subject xml:lang="pl"><![CDATA[depozyty bankowe]]></dc:subject>
<dc:subject xml:lang="pl"><![CDATA[oszczędności]]></dc:subject>
<dc:description xml:lang="de"><![CDATA[Wrocław]]></dc:description>
<dc:description xml:lang="uk"><![CDATA[Wrocław]]></dc:description>
<dc:description xml:lang="en"><![CDATA[The problem presented in the research paper is the issue of retirement savings efficiency in the Third Pillar of social insurance in Poland. The object of accomplished analysis, which constitutes grounds for inference was “the number of accounts in the Third Pillar and the value of accumulated funds”, which allowed defining “interest and attractiveness of the use of financial products offered by the Third Pillar” and “profitability of saving in the Third Pillar”. The results of the research, which determine present interest in saving in the Third Pillar confirm that additional forms of pension security have not reached the desired by the government level of development. Market growth will not occur unless there are financial incentives. Common concerns rouse the role of the state in the Third Pillar, and especially the possibility of taking over accumulated savings by government, as was done with savings accumulated in the Second Pillar (OFE). In this situation, choosing a product of the Third Pillar is a less meaningful issue. It is more important to regularly save money in order to be able to gain from the so called ‘compound interest’, also choosing the right investment strategy and attitude towards risk]]></dc:description>
<dc:description xml:lang="en"><![CDATA[Wrocław]]></dc:description>
<dc:description xml:lang="it"><![CDATA[Wrocław]]></dc:description>
<dc:description xml:lang="fr"><![CDATA[Wrocław]]></dc:description>
<dc:description xml:lang="pl"><![CDATA[Wrocław]]></dc:description>
<dc:publisher><![CDATA[Wydawnictwo Uniwersytetu Wrocławskiego]]></dc:publisher>
<dc:contributor><![CDATA[Dybał, Mariusz]]></dc:contributor>
<dc:date><![CDATA[2017]]></dc:date>
<dc:type xml:lang="en"><![CDATA[text]]></dc:type>
<dc:type xml:lang="pl"><![CDATA[tekst]]></dc:type>
<dc:identifier><![CDATA[https://doi.org/10.19195/2084-4093.23.3.4]]></dc:identifier>
<dc:identifier><![CDATA[http://repozytorium.uni.wroc.pl/Content/94203/PDF/05_Kocwin_J_Zainteresowanie_oraz_oplacalnosc_oszczedzania_na_emeryture_w_III_filarze.pdf]]></dc:identifier>
<dc:identifier><![CDATA[https://repozytorium.uni.wroc.pl/dlibra/publication/101278/edition/94203/content]]></dc:identifier>
<dc:identifier><![CDATA[oai:repozytorium.uni.wroc.pl:94203]]></dc:identifier>
<dc:language><![CDATA[pol]]></dc:language>
<dc:relation><![CDATA[https://czasopisma.uwr.edu.pl/ekon]]></dc:relation>
<dc:relation><![CDATA[https://czasopisma.uwr.edu.pl/ekon/article/view/8448]]></dc:relation>
<dc:rights xml:lang="de"><![CDATA[Copyright by Wydawnictwo Uniwersytetu Wrocławskiego Sp. z o.o.]]></dc:rights>
<dc:rights xml:lang="uk"><![CDATA[Copyright by Wydawnictwo Uniwersytetu Wrocławskiego Sp. z o.o.]]></dc:rights>
<dc:rights xml:lang="en"><![CDATA[Making materials available on the basis of the agreement with the owner of the property copyrights]]></dc:rights>
<dc:rights xml:lang="en"><![CDATA[The use of this material is allowed only with accordance of applicable rules of fair use or other exceptions provided by law, and any broader use requires the permission of the authorized entity]]></dc:rights>
<dc:rights xml:lang="en"><![CDATA[Copyright by Wydawnictwo Uniwersytetu Wrocławskiego Sp. z o.o.]]></dc:rights>
<dc:rights xml:lang="it"><![CDATA[Copyright by Wydawnictwo Uniwersytetu Wrocławskiego Sp. z o.o.]]></dc:rights>
<dc:rights xml:lang="fr"><![CDATA[Copyright by Wydawnictwo Uniwersytetu Wrocławskiego Sp. z o.o.]]></dc:rights>
<dc:rights xml:lang="pl"><![CDATA[Udostępnianie na podstawie umowy z właścicielem majątkowych praw autorskich]]></dc:rights>
<dc:rights xml:lang="pl"><![CDATA[Korzystanie z tego materiału jest możliwe zgodnie z właściwymi przepisami o dozwolonym użytku lub innych wyjątkach przewidzianych w przepisach prawa, a korzystanie w szerszym zakresie wymaga uzyskania zgody uprawnionego]]></dc:rights>
<dc:rights xml:lang="pl"><![CDATA[Copyright by Wydawnictwo Uniwersytetu Wrocławskiego Sp. z o.o.]]></dc:rights>
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