Czynniki warunkujące posiadanie dobrowolnych oszczędności emerytalnych przez gospodarstwa domowe w Polsce
Factors determining the possession of voluntary retirement savings by households in Poland

Summary/Abstract: The observed changes in the field of demography and legal aspects of the pension system in Poland cause that retirement benefits which are paid from the obligatory part of the pension system do not fulfil (and will not fulfil) all the needs of people at retirement age. To avoid the risk of poverty in the retirement period, people at working age should save money. Many factors influence on the decision about saving money for retirement. There are two aims in the paper. The first one is the identification of factors determining the possession of retirement savings by households in Poland. The second aim is the assessment of the influence of selected factors on households’ saving for old age provision. The Social Diagnosis data of 2015 were used to implement the second objective. Due to the fact that the explained variable is a dichotomous variable, the logistic regression model was used in the study.

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