Bilion złotych nie pracuje. Co tracą Polacy?

Over a trillion złoty in Poles is sitting in ordinary accounts, and in many cases, it's practically unused. This episode is a bit different. This is for someone who doesn't live in the market, doesn't follow companies, and doesn't want to pretend to be an expert, but wants to understand the simplest, most sensible way to think about savings. In it, I show: why cash in an account has a hidden cost, how compound interest works, why time is so important in investing, how the costs of mutual funds and ETFs differ, how to think about IKE and IKZE, why trying to perfectly time the market often hurts more than it helps. This isn't an episode about picking companies. This isn't a video about "getting rich quick." It's an attempt to present a simple framework for thinking about savings. 📬 KRUPA Markets Newsletter: https://www.krupaorynkach.pl/ 🎬 Subscribe to the channel:    / @krupaorynkach   Chapters: 00:00 A Trillion Zlotys That Don't Work 01:08 Where Does 8% Annually Come From? 02:11 Compound Interest in Numbers 03:30 IKE and IKZE Accounts - What's the Deal? 04:38 How Much Can 30 Years of Savings Achieve? 05:04 TFI vs. ETF - The Cost You Can See Years Later 06:58 Why the Market Doesn't Grow Linearly 07:35 Timing and the Worst Entry Point Educational and informational content expressing my opinions only. This is not an investment recommendation or investment advice. Investing involves the risk of capital loss. Full legal disclaimer: https://www.krupaorynkach.pl/disclaim...