A PPK participant has an influence on how his funds are invested

A PPK participant who starts saving is automatically assigned to a defined date fund (DDF) appropriate to their age. The funds accumulated in participants' accounts are invested in funds that differentiate the level of risk depending on the participant's date of birth. As a PPK participant approaches the age of 60, the fund changes its investment policy in such a way that the share of the equity part (with a higher investment risk but a higher potential for rates of return, including e.g. shares) in the value of its assets decreases, and the share of the debt part (with a lower level of investment risk but also a lower potential for rates of return, including e.g. bonds) increases. Reaching the defined date by the fund means the moment when the portfolio structure reaches the one with the highest share of financial instruments assessed as safe.