What percentage of society is worried about future retirement?
Only 4.1 percent respondents say that for the amount of the retirement benefit will be able to live a dignified life. These sentences were expressed by people who have the highest average income per family member (37.5 percent over PLN 1,400, while 33.33 percent – from PLN 1001 to 1,400). The belief that retirement will provide an adequate standard of living after leaving work has been expressed by 13 percent. thirty- and forty-year-olds, while 56.5% – persons up to 29 years of age. Elders have a critical position on this issue, only 1.5 percent. people over 64 years of age answered yes to this question in the survey. The respondents who believe that retirement benefits will be too low are as much as 76% Among these people, there are many who have the highest income (33.3 percent are people with an income of PLN 1,400 per person). The least optimistic are the inhabitants of the village, who constitute as much as 34 percent. those who evaluate their future benefits at a small amount.
Retirement from alternative sources
An important issue is also how to save those people who, however, plan to provide financial security when they are retired. Those who think ahead, invest their money in a savings account (14.5 percent), an individual retirement account IKE / IKZE (7.6 percent) or invest in securities (5.5 percent). People who are 30-49 years old and have the highest income per family member decide on such steps. None of the respondents took into account income from annuity, which could come from the so-called reverse mortgage. This is the result of a lack of regulation in this respect.
Pensioners and non-bank loans
Pensioners have the chance to obtain additional funds from online loans. For non-bank institutions, they are reliable and responsible customers, because they attach more importance to repayment on time than younger people do. Although some loan companies impose age limits, e.g. up to 65 years of age, there are also companies on the financial market that provide financial assistance even to persons under the age of 80.
“Modern seniors are very active and do a great job with a computer, so getting a payday loan online should not be a major problem for them. It is also a convenience for them, because without leaving home they can get extra cash”, commented by financial analyst.