Przyszłość + Investment Programme

Discover a customizable product that enables regular investment even the smallest amounts

About the Investment Programme

Przyszłość + Investment Programme is an innovative financial solution. The program allows:

  • regular saving of funds
  • investing the accumulated money on global capital markets
  • monitoring and self-management of investments by Millenet

Funds offer

You need to have a minimum 2 out of 6 Millennium SOIF subfunds.
If you don’t know which subfund to choose, read the fund card taking special notice of gain potential and investment risk level.

Investing in funds involves the risk of loss as well as the obligation to pay handling fees and income tax. The fund does not guarantee attainment of the investment target or a specific investment result. The net value of assets of the funds is highly volatile due to the composition of the investment portfolio. Securities constituting more than 35% of assets of Millennium Funds (except Millennium SFIO) may be issued, guaranteed or underwritten by the State Treasury, NBP, US Government, European Central Bank or European Investment Bank.

The indicated rates of return of funds are based on historical data and do not constitute a guarantee of attaining similar results in the future. An individual net rate of return of a fund participant depends on the date of sale and repurchase of participation units as well as administrative fees and income tax paid.

Prior to making this investment one should carefully read information about the funds, including financial data and description of risk factors, which are contained in the prospectuses and Key Information for Investors (KII), available together with the funds’ schedule of fees in branches of Bank Millennium, in the offices of Millennium TFI SA and on the website link opens in a new window.

Money invested in the product is not protected by Banking Guarantee Fund link opens in a new window.

Source: Analizy Online S.A. and Transfer Agents cooperating with the Bank.


Fees charged for redemptions

During first 5 years from start date
After 5 years from start date
First redemption from the programme constituting no more than 10% of accumulated assets
First redemption from the programme constituting more than 10% of accumulated assets
Every next redemption, irrespective of value

Just starting to invest?

Complete the MiFID questionnaire

The questionnaire consists of several questions. Answers to these questions will allow you to find out what type of investor you are. And they will allow us to present you with products that meet your needs, expectations and investment experience, and are suitable for you.


  • Yes, you always have permanent access to your money. However its withdrawal may involve a handling fee (for details see Fees section). Additionally, if necessary, you can withdraw part of the money at any time, without the need to close your programme. However remember to make sure that after the withdrawal the value of your programme is no less than PLN 1000. Otherwise it will be closed and the invested money will be moved to standard registers, which are not eligible for the terms of Przyszłość + Investment Programme.

  • In order to set up Przyszłość + Investment Programme you need to have at least 2 out of 6 subfunds in Millennium SFIO fund. Each of the available subfunds differs in terms of investment policy; therefore in order to make the right choice please read the fund sheet and KIID, where you will find the most important information about the selected subfund. For documents and details go to Funds Offer section.

  • You can adjust duration of the programme to your personal preference. You can choose a period from 5 to 18 years.

  • If during 12 months from the day of making the first transaction the sum of all your payments is lower than PLN 1200, Przyszłość + Investment Programme will be closed and the money you invested will be moved to standard registers, which are not eligible for the terms of Przyszłość + Investment Programme. Remember that the above requirement of payment of additional money in the programme will be checked always after every 12 months.

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