{"id":24272,"date":"2026-07-13T10:00:27","date_gmt":"2026-07-13T08:00:27","guid":{"rendered":"https:\/\/www.ksiega-podatkowa.pl\/akademia-skp\/?p=24272"},"modified":"2026-07-15T12:48:06","modified_gmt":"2026-07-15T10:48:06","slug":"jaka-jest-roznica-miedzy-ppe-a-ppk","status":"publish","type":"post","link":"https:\/\/www.ksiega-podatkowa.pl\/akademia-skp\/jaka-jest-roznica-miedzy-ppe-a-ppk","title":{"rendered":"Jaka jest r\u00f3\u017cnica mi\u0119dzy PPE a PPK?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"24272\" class=\"elementor elementor-24272\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-830c4d7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"830c4d7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4324ccf\" data-id=\"4324ccf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1636960 elementor-widget elementor-widget-text-editor\" data-id=\"1636960\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-family: helvetica, arial, sans-serif;\"><span style=\"font-weight: 400;\">Dodatkowe oszcz\u0119dzanie na emerytur\u0119 odgrywa coraz wi\u0119ksz\u0105 rol\u0119 zar\u00f3wno z perspektywy pracownik\u00f3w, jak i pracodawc\u00f3w. W Polsce funkcjonuj\u0105 dwa rozwi\u0105zania wspieraj\u0105ce budowanie prywatnego kapita\u0142u emerytalnego \u2013 <\/span><b>Pracownicze Programy Emerytalne (PPE) <\/b><span style=\"font-weight: 400;\">oraz<\/span><b> Pracownicze Plany Kapita\u0142owe (PPK)<\/b><span style=\"font-weight: 400;\">. Cho\u0107 cel obu program\u00f3w jest podobny, r\u00f3\u017cni\u0105 si\u0119 one zasadami finansowania, uczestnictwa oraz obowi\u0105zkami po stronie firmy. W artykule wyja\u015bniamy najwa\u017cniejsze r\u00f3\u017cnice mi\u0119dzy <\/span><b>ppe a ppk<\/b><\/span><span style=\"font-weight: 400;\"><span style=\"font-family: helvetica, arial, sans-serif;\"> oraz wskazujemy, kt\u00f3re rozwi\u0105zanie mo\u017ce okaza\u0107 si\u0119 korzystniejsze w konkretnych sytuacjach.<\/span> <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d33e3c1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d33e3c1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bbd12ac\" data-id=\"bbd12ac\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0aca080 elementor-widget elementor-widget-heading\" data-id=\"0aca080\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PPE a PPK \u2013 kt\u00f3re rozwi\u0105zanie jest korzystniejsze dla pracownik\u00f3w?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5a21520 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5a21520\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1b35225\" data-id=\"1b35225\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-92ee78d elementor-widget elementor-widget-text-editor\" data-id=\"92ee78d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400; font-family: helvetica, arial, sans-serif;\">Ocena atrakcyjno\u015bci ka\u017cdego z system\u00f3w z perspektywy zatrudnionych zale\u017cy od ich indywidualnych cel\u00f3w finansowych oraz mo\u017cliwo\u015bci bud\u017cetowych.<\/span><\/p><p><span style=\"font-weight: 400; font-family: helvetica, arial, sans-serif;\"><strong>Niew\u0105tpliw\u0105 zalet\u0105 PPE jest fakt, \u017ce budowanie kapita\u0142u emerytalnego odbywa si\u0119 bez uszczerbku dla bie\u017c\u0105cej pensji netto pracownika.<\/strong> To pracodawca przekazuje dodatkowe \u015brodki na indywidualny rachunek, co sprawia, \u017ce jest to rozwi\u0105zanie niezwykle komfortowe. Pozwala ono na bezwysi\u0142kowe pomna\u017canie kapita\u0142u w d\u0142ugim okresie.<\/span><\/p><p><span style=\"font-weight: 400; font-family: helvetica, arial, sans-serif;\">PPK oferuje z kolei unikalny mechanizm premiowania systematyczno\u015bci przez pa\u0144stwo oraz gwarantuje elastyczno\u015b\u0107. Cho\u0107 pracownik widzi na swoim pasku p\u0142acowym potr\u0105cenie na PPK, to suma \u015brodk\u00f3w trafiaj\u0105cych na jego konto (jego wp\u0142ata + wp\u0142ata firmy + bonusy od pa\u0144stwa) znacz\u0105co przewy\u017csza koszt, jaki ponosi. PPK daje r\u00f3wnie\u017c du\u017c\u0105 swobod\u0119 w samodzielnym decydowaniu o rezygnacji i ponownym przyst\u0119powaniu do programu w dowolnym momencie.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-11a9151 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"11a9151\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2aa86a9\" data-id=\"2aa86a9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8b56191 elementor-widget elementor-widget-heading\" data-id=\"8b56191\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Zasady przyst\u0119powania do PPE i PPK \u2013 najwa\u017cniejsze r\u00f3\u017cnice<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-313f312 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"313f312\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-24200e4\" data-id=\"24200e4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d39b777 elementor-widget elementor-widget-text-editor\" data-id=\"d39b777\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400; font-family: helvetica, arial, sans-serif;\">Warto mie\u0107 na uwadze, \u017ce mechanizm dystrybucji i zapisu do obu program\u00f3w opiera si\u0119 na diametralnie r\u00f3\u017cnych za\u0142o\u017ceniach filozoficznych i prawnych.<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-family: helvetica, arial, sans-serif;\"><b>PPK \u2013 automatyzm:<\/b><span style=\"font-weight: 400;\"> W PPK obowi\u0105zuje zasada tzw. automatycznego zapisu (opt-out). Oznacza to, \u017ce ka\u017cdy pracownik w wieku od 18 do 55 lat, spe\u0142niaj\u0105cy kryteria sta\u017cowe, zostaje zapisany do programu automatycznie. Je\u015bli nie chce oszcz\u0119dza\u0107, musi z\u0142o\u017cy\u0107 pracodawcy pisemn\u0105, jawn\u0105 deklaracj\u0119 o rezygnacji. Deklaracja ta zachowuje wa\u017cno\u015b\u0107 przez okre\u015blony ustawowo czas, po czym nast\u0119puje tzw. ponowny autozapis, o kt\u00f3rym dzia\u0142 kadr musi pracownika poinformowa\u0107.<\/span><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-family: helvetica, arial, sans-serif;\"><b>PPE \u2013 dobrowolno\u015b\u0107:<\/b><span style=\"font-weight: 400;\"> Przyst\u0105pienie do PPE ma charakter w pe\u0142ni intencjonalny (opt-in). Pracownik, kt\u00f3ry chce sta\u0107 si\u0119 uczestnikiem programu, musi z\u0142o\u017cy\u0107 aktywn\u0105 deklaracj\u0119 przyst\u0105pienia. Brak dzia\u0142ania ze strony zatrudnionego oznacza, \u017ce nie bierze on udzia\u0142u w programie.<\/span><\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-64222a1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"64222a1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-66765f7\" data-id=\"66765f7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c44f68c elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"c44f68c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-bullhorn\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWa\u017cne!\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tZ perspektywy obowi\u0105zk\u00f3w informacyjnych, przy PPK pracodawca jest obci\u0105\u017cony rygorystycznymi terminami i schematami komunikacji z za\u0142og\u0105, kt\u00f3rych niedope\u0142nienie sankcjonowane jest wysokimi karami.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-78be0ae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"78be0ae\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f88f7e7\" data-id=\"f88f7e7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dacee5c elementor-widget elementor-widget-spacer\" data-id=\"dacee5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb7ee13 elementor-widget elementor-widget-heading\" data-id=\"fb7ee13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kiedy mo\u017cna wyp\u0142aci\u0107 \u015brodki z PPE i PPK?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3b99643 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3b99643\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-749f8a7\" data-id=\"749f8a7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7b33165 elementor-widget elementor-widget-text-editor\" data-id=\"7b33165\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400; font-family: helvetica, arial, sans-serif;\">Zar\u00f3wno w PPE, jak i w PPK gromadzone \u015brodki stanowi\u0105 prywatn\u0105 w\u0142asno\u015b\u0107 uczestnika, jednak zasady ich wyp\u0142aty r\u00f3\u017cni\u0105 si\u0119 w zale\u017cno\u015bci od momentu podj\u0119cia decyzji o wycofaniu kapita\u0142u.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fbab904 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fbab904\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-16ccb14\" data-id=\"16ccb14\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4f53eb7 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"4f53eb7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-hand-point-right\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPami\u0119taj!\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tStandardowa wyp\u0142ata \u015brodk\u00f3w zgromadzonych w obu programach nast\u0119puje po uko\u0144czeniu 60. roku \u017cycia (zar\u00f3wno w PPE, jak i w PPK, niezale\u017cnie od p\u0142ci). Taka wyp\u0142ata jest zwolniona z podatku od zysk\u00f3w kapita\u0142owych (podatku Belki).\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-986457d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"986457d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b5b7bed\" data-id=\"b5b7bed\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f60b884 elementor-widget elementor-widget-spacer\" data-id=\"f60b884\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fa7b3e elementor-widget elementor-widget-text-editor\" data-id=\"5fa7b3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400; font-family: helvetica, arial, sans-serif;\">R\u00f3\u017cnice pojawiaj\u0105 si\u0119 przy ch\u0119ci wcze\u015bniejszego dost\u0119pu do got\u00f3wki:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-family: helvetica, arial, sans-serif;\"><b>W PPE<\/b><span style=\"font-weight: 400;\"> wcze\u015bniejszy zwrot \u015brodk\u00f3w jest mo\u017cliwy w przypadku likwidacji programu lub w sytuacji tzw. zwrotu, jednak wi\u0105\u017ce si\u0119 to z konieczno\u015bci\u0105 zap\u0142aty podatku dochodowego oraz potr\u0105ceniem 30% warto\u015bci \u015brodk\u00f3w na rzecz ZUS (jako rekompensata za wcze\u015bniejsze zwolnienie sk\u0142adkowe).<\/span><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-family: helvetica, arial, sans-serif;\"><b>W PPK<\/b><span style=\"font-weight: 400;\"> wcze\u015bniejsze wycofanie \u015brodk\u00f3w (zwrot) jest operacj\u0105 znacznie prostsz\u0105 i bardziej dost\u0119pn\u0105. Pracownik mo\u017ce w ka\u017cdej chwili wyp\u0142aci\u0107 pieni\u0105dze, trac\u0105c jednak dop\u0142aty od pa\u0144stwa, 30% wp\u0142at pracodawcy (kt\u00f3re trafiaj\u0105 do ZUS na konto ubezpieczonego) oraz op\u0142acaj\u0105c podatek Belki od wypracowanego zysku. Istniej\u0105 te\u017c sytuacje szczeg\u00f3lne (powa\u017cne zachorowanie, wk\u0142ad w\u0142asny na cele mieszkaniowe), gdzie \u015brodki z PPK mo\u017cna wyp\u0142aci\u0107 bez \u017cadnych potr\u0105ce\u0144.<\/span><\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3804ebf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3804ebf\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b0cf9e0\" data-id=\"b0cf9e0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6ef2956 elementor-widget elementor-widget-heading\" data-id=\"6ef2956\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Jaki wp\u0142yw na podatki i sk\u0142adki ZUS maj\u0105 wp\u0142aty na PPE i PPK?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0e458d elementor-widget elementor-widget-text-editor\" data-id=\"c0e458d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400; font-family: helvetica, arial, sans-serif;\">Z punktu widzenia optymalizacji kosztowej i poprawnego ksi\u0119gowania, kluczowe znaczenie ma znajomo\u015b\u0107 zasad fiskalnych rz\u0105dz\u0105cych oboma programami.<\/span><\/p><p><span style=\"font-weight: 400; font-family: helvetica, arial, sans-serif;\"><strong>Wp\u0142aty na PPE finansowane przez pracodawc\u0119 (sk\u0142adka podstawowa) s\u0105 zwolnione ze sk\u0142adek na ubezpieczenia spo\u0142eczne (ZUS).<\/strong> Stanowi\u0105 one jednak dla pracownika przych\u00f3d ze stosunku pracy, od kt\u00f3rego nale\u017cy odprowadzi\u0107 zaliczk\u0119 na podatek dochodowy (PIT). Dla pracodawcy wydatki na PPE stanowi\u0105 koszt uzyskania przychodu (KUP).<\/span><\/p><p><span style=\"font-weight: 400; font-family: helvetica, arial, sans-serif;\"><strong>W przypadku PPK zasada jest analogiczna pod k\u0105tem ZUS i PIT.<\/strong> Wp\u0142ata finansowana przez pracodawc\u0119 nie stanowi podstawy naliczania sk\u0142adek ZUS, ale jest przychodem pracownika podlegaj\u0105cym opodatkowaniu PIT w miesi\u0105cu, w kt\u00f3rym zosta\u0142a przekazana do instytucji finansowej. Koszty wp\u0142at do PPK r\u00f3wnie\u017c stanowi\u0105 dla przedsi\u0119biorstwa koszt uzyskania przychodu.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-86e6437 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"86e6437\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4197769\" data-id=\"4197769\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d996e20 elementor-widget elementor-widget-text-editor\" data-id=\"d996e20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400; font-family: helvetica, arial, sans-serif;\"><strong>R\u00f3\u017cnica mi\u0119dzy PPE a PPK<\/strong> tkwi w skomplikowaniu rozlicze\u0144. Automatyzm PPK i zmienno\u015b\u0107 deklaracji pracownik\u00f3w wymagaj\u0105 sta\u0142ej uwagi przy naliczaniu list p\u0142ac. Pomy\u0142ka w dacie odprowadzenia sk\u0142adki do instytucji finansowej generuje natychmiastowe b\u0142\u0119dy w ustaleniu momentu powstania przychodu podatkowego u pracownika.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f9bb850 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f9bb850\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cc04768\" data-id=\"cc04768\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cd96a6e elementor-widget elementor-widget-text-editor\" data-id=\"cd96a6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-419001e elementor-widget elementor-widget-heading\" data-id=\"419001e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">PPE a PPK - co wybra\u0107 dla siebie?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fcc466f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fcc466f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2d0448b\" data-id=\"2d0448b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dcd02f6 elementor-widget elementor-widget-text-editor\" data-id=\"dcd02f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400; font-family: helvetica, arial, sans-serif;\">Zar\u00f3wno PPE, jak i PPK pomagaj\u0105 pracownikom budowa\u0107 dodatkowe oszcz\u0119dno\u015bci na przysz\u0142o\u015b\u0107, jednak dzia\u0142aj\u0105 na odmiennych zasadach. Wyb\u00f3r odpowiedniego rozwi\u0105zania powinien uwzgl\u0119dnia\u0107 nie tylko korzy\u015bci dla uczestnik\u00f3w, ale r\u00f3wnie\u017c koszty i obowi\u0105zki organizacyjne po stronie pracodawcy. Dla firm szczeg\u00f3lnie istotne jest prawid\u0142owe rozliczanie wp\u0142at oraz sprawna obs\u0142uga proces\u00f3w kadrowo-p\u0142acowych, kt\u00f3re mo\u017cna znacz\u0105co usprawni\u0107 dzi\u0119ki odpowiedniemu oprogramowaniu.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fd58400 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fd58400\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d7c606a\" data-id=\"d7c606a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bef452e elementor-widget elementor-widget-heading\" data-id=\"bef452e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">FAQ \u2013 Najcz\u0119\u015bciej zadawane pytania\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6e36b08 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6e36b08\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-93a43da\" data-id=\"93a43da\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-598f37f elementor-widget elementor-widget-accordion\" data-id=\"598f37f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9391\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-9391\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Kt\u00f3ry program pozwala zgromadzi\u0107 wi\u0119ksze oszcz\u0119dno\u015bci \u2013 PPE czy PPK?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-9391\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-9391\"><p><span style=\"font-weight: 400; font-family: helvetica, arial, sans-serif;\">Nie ma jednej odpowiedzi na to pytanie. Wysoko\u015b\u0107 zgromadzonych \u015brodk\u00f3w zale\u017cy od poziomu wp\u0142at, d\u0142ugo\u015bci oszcz\u0119dzania oraz wynik\u00f3w inwestycyjnych. PPE mo\u017ce by\u0107 szczeg\u00f3lnie atrakcyjne dzi\u0119ki sk\u0142adkom finansowanym przez pracodawc\u0119, natomiast PPK dodatkowo oferuje dop\u0142aty pa\u0144stwowe zwi\u0119kszaj\u0105ce warto\u015b\u0107 oszcz\u0119dno\u015bci.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9392\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-9392\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Czy \u015brodki zgromadzone w PPE i PPK podlegaj\u0105 dziedziczeniu?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-9392\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-9392\"><p><span style=\"font-weight: 400; font-family: helvetica, arial, sans-serif;\">Tak. Pieni\u0105dze zgromadzone zar\u00f3wno w PPE, jak i w PPK s\u0105 prywatn\u0105 w\u0142asno\u015bci\u0105 uczestnika i podlegaj\u0105 dziedziczeniu. Uczestnik mo\u017ce wskaza\u0107 osoby uprawnione do otrzymania \u015brodk\u00f3w po swojej \u015bmierci, a w przypadku ich braku \u015brodki wchodz\u0105 do masy spadkowej.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9393\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-9393\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Co dzieje si\u0119 ze \u015brodkami z PPE i PPK po zmianie pracodawcy?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-9393\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-9393\"><p><span style=\"font-weight: 400; font-family: helvetica, arial, sans-serif;\">\u015arodki zgromadzone w obu programach pozostaj\u0105 w\u0142asno\u015bci\u0105 uczestnika. Po zmianie miejsca zatrudnienia mo\u017cna pozostawi\u0107 je na dotychczasowym rachunku lub \u2013 w zale\u017cno\u015bci od sytuacji \u2013 dokona\u0107 transferu do nowego programu emerytalnego albo na indywidualne konto emerytalne.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9394\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-9394\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Czy PPE i PPK gwarantuj\u0105 okre\u015blon\u0105 stop\u0119 zwrotu?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-9394\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-9394\"><p><span style=\"font-weight: 400; font-family: helvetica, arial, sans-serif;\">Nie. Zar\u00f3wno \u015brodki gromadzone w PPE, jak i w PPK s\u0105 inwestowane przez instytucje finansowe, dlatego ich warto\u015b\u0107 mo\u017ce wzrasta\u0107 lub spada\u0107 w zale\u017cno\u015bci od sytuacji rynkowej. D\u0142ugoterminowy charakter oszcz\u0119dzania pozwala jednak ogranicza\u0107 wp\u0142yw kr\u00f3tkookresowych waha\u0144 na ko\u0144cowy wynik inwestycji.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5ae313a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ae313a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-876bfb2\" data-id=\"876bfb2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a572f3f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a572f3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1106ad4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1106ad4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6e92dae\" data-id=\"6e92dae\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1d450a3 elementor-widget elementor-widget-text-editor\" data-id=\"1d450a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-family: helvetica, arial, sans-serif;\"><strong>Autor: Ewelina Mandziuk<\/strong><\/span><br \/><span style=\"font-family: helvetica, arial, sans-serif;\">Samodzielny specjalista ds. finansowo \u2013 prawnych<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1bb0e30 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1bb0e30\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-936f546\" data-id=\"936f546\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9f6be41 elementor-widget elementor-widget-heading\" data-id=\"9f6be41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Przeczytaj r\u00f3wnie\u017c:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6e56906 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6e56906\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-47ddeb1\" data-id=\"47ddeb1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c581a82 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"c581a82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.ksiega-podatkowa.pl\/akademia-skp\/jak-obliczyc-podatek-dochodowy?highlight=emery\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Jak obliczy\u0107 podatek dochodowy? <\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<div class=\"heateor_sss_sharing_container heateor_sss_horizontal_sharing\" data-heateor-ss-offset=\"0\" data-heateor-sss-href='https:\/\/www.ksiega-podatkowa.pl\/akademia-skp\/jaka-jest-roznica-miedzy-ppe-a-ppk'><div class=\"heateor_sss_sharing_ul\"><a aria-label=\"Facebook\" 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W Polsce funkcjonuj\u0105 dwa rozwi\u0105zania&#8230;<\/p>\n","protected":false},"author":1,"featured_media":24273,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[311],"tags":[1299,1300,1301,1302],"class_list":["post-24272","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-prawo","tag-pracownicze-programy-emerytalne-ppe","tag-pracownicze-plany-kapitalowe-ppk","tag-programy-emerytalne-dla-pracownikow","tag-ppe-a-ppk"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Jaka jest r\u00f3\u017cnica mi\u0119dzy PPE a PPK? - Formsoft SKP\u00ae<\/title>\n<meta name=\"description\" content=\"W Polsce funkcjonuj\u0105 dwa rozwi\u0105zania wspieraj\u0105ce budowanie prywatnego kapita\u0142u emerytalnego. 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