About the product

As a rule funds are entrusted savings for years and as the history shows they yield significant profits. Consistent long-term investment in funds allows to fully benefit from the best times of capital market and minimise the effects of periodic fluctuations.

Save with the IKE - individual pension accounts:

  • Regularly

    Thanks to regular deposits you will accumulate savings while your reinvested profits will additionally increase the value of the funds on your account.

  • Consistently

    Long-term saving allows to benefit from the times of highest yields and minimise the effects of periodic fluctuations.

  • Prudently

    You should choose IKE variant corresponding to your financial capacities and personality, consider your age and stage of life.

Why should you join IRA?

  • Important source of your future pension

    It is a common knowledge that the future pension from the mandatory pillars of the reformed pension system (ZUS and OFE) will not ensure satisfactory living standards after completion of our professional activity.

  • Offer addressed to all the earners

    This offer is for both young and older earners. It is also an exceptional for commercial entities.

  • Special tax benefits

    Profits from IRA savings are exempt from capital gains tax - such benefits are not offered by any other form of individual savings!

  • Deposits without fees and commissions

    Investments in Millennium IRA are exempt from subscription fees -100% of deposit is invested.

  • All your family benefits from the IRA savings

    IRA holder may appoint persons who will receive the accumulated subfunds in event of death of an investor. The subfunds accumulated on IRA are also exempt from the inheritance tax.


The detailed description of the rules of running IKE contains the agreement and Bylaws and the Act of 20 April 2004 on individual retirement accounts as well as individual retirement security accounts.

Detailed information about Millennium funds, including description of risk factors and rules of participation are contained in information prospectus accessible in Millennium branches, on www.millenniumtfi.pl.

How to constitute

In our branches - choose the nearest branch.

Legal disclaimers

Any information contained in this publication is for information only and does not constitute an offer, recommendation or any invitation sent to anyone (or any group of people) to conclude a transaction on financial instruments presented in it. In particular, information contained in this publication does not constitute an offer within the meaning of the Civil Code Act dated 23 April 1964 and is not a service of investment, financial, tax, legal or any other advice.

The terms contained in this publication are for orientation. Any prices and/or specimen transactions are for illustration purposes only and do not constitute an offer of concluding a transaction on such terms or the indication that a transaction on these terms is feasible. Moreover, no calculations or results presented in this publication guarantee future profits. The actual terms of a transaction on financial instruments will be based on market terms established at the moment of its conclusion. Any available price quotations or analyses contained in this publication have been prepared on the basis of assumptions and parameters reflecting the assessment or choice made by the Bank. The Bank shall provide no guarantee of precision, completeness or reasonableness of such quotations or analyses.

The recipient of the information in this publication shall exclusively bear the risk of its using in particular with respect to investment decisions on its basis.

Financial transactions are connected with risk detailed in the „Description of the Risk Connected with Financial Instruments or Products at Bank Millennium S.A.", available from the Bank's outlets and website www.bankmillennium.pl. Anyone who purchases a financial instrument shall accept and bear liability under tax obligations resulting from binding regulations. In view of the above risks and circumstances the Bank's clients should have sufficient knowledge and experience to assess the nature of each financial transaction entertained by them and them associated risk. If in any doubt, clients should use the services of a tax, legal or investment advisor. The Bank shall communicate any additional information which will be validly asked for by the Client to enable him the assessment of the risks and nature of the transaction.

The Client's conclusion of a transaction on financial instruments constitutes grounds for recognition that the Client has familiarised himself with the terms of the transaction and associated risks and accepted them.

The dissemination and distribution of certain financial instruments and trading in them may be subject to certain limitations with respect to certain persons and states, in accordance with appropriate legislation. It is up to the client to demonstrate the legal capacity or rights to invest in a given financial instrument. Financial instruments can be offered and traded exclusively in compliance with the appropriate provisions of law.

The information in this publication shall be made available exclusively to its Recipient. The Recipient must not copy, reproduce nor communicate or make it available to third parties in any other way, in full or in part (except to his professional advisors) without the Bank's prior written consent.

Funds invested in the product are not covered by the deposit insurance scheme of the Bank Guarantee Fund.