OKI: pułapka na drobnych inwestorów? Rząd chce ratować giełdę naszymi oszczędnościami

The government has adopted a draft law on Personal Investment Accounts (OKI). It's intended to be a new account free of the Belka tax up to PLN 100,000. Does that sound good? The problem begins when we look at the details. According to the draft, the full exemption up to PLN 100,000 would apply to investment assets such as stocks and funds, but for safer savings assets—deposits and treasury savings bonds—the limit would be only PLN 25,000. Above these limits, a new tax on asset value would be introduced, rather than a traditional profit tax. The government has announced that OKI is to be launched in 2027. In this video, I question whether OKI actually helps small investors, or whether it encourages them to take greater risks. Because if someone has small savings and wants to avoid the Belka tax, they might be pushed towards stocks, funds, and the Polish stock exchange, instead of simple deposits, bonds, or broad international ETFs. The question also arises: isn't the OKI an attempt to divert Poles' savings into the domestic capital market? This might be good for the stock market. But is it also a good solution for the average person who wants to protect their money? In the video, I discuss: what is an OKI, how does an OKI differ from a regular brokerage account, why the PLN 25,000 limit for deposits and bonds might be a problem, whether an OKI might push small investors into risk, what about ETFs and global diversification, why the asset value tax might be more complicated than the Belka tax, when an OKI might make sense and when might it be a trap. This is not investment advice. It's an analysis of a mechanism that might look attractive in the slogan "no Belka tax," but in practice can be much more complicated. 👉 Become our Patron https://patronite.pl/tomasz_lebiedz and influence the content of the program. 👉👉👉 Real Estate Broker Course 👉 https://symen24.pl/kurs/kurs-posredni... CHAPTERS: 00:00 Introduction 01:15 What is OKI and does it protect against the Belka tax 03:37 Unfavorable investment restrictions 07:00 "Mały" in danger 08:40 Who will OKI be good for and who will OKI be bad for? 09:39 Is OKI really safe? 10:14 Tax on losses 13:30 OKI and risk 16:09 The problem of "temporarily free" cash 17:33 The Ministry of Finance wants to catch a few magpies by the tail Tomasz Find real estate, explained well - learn about the real estate market, apartment prices, house and plot prices, trends, and real estate law. 👉 Support this channel and get these bonuses:    / @tomasz_lebiedz   #OKI #PodatekBelki #Investing #Savings #Stock Exchange #ETF #Stocks #Bonds #PersonalFinance #PolandStock Exchange #GPW #SmallInvestor #Taxes #Deposits #realestate2026