Ministry of Finance came out with the assumption that not all beneficiaries program 500 + once will want to spend funds they receive from the state for children . It is especially better-earning families. – We are considering to offer special bonds with a maturity of 10 or 15 years with preferential conditions for those who would buy them for money received under the program – explains Deputy Minister Piotr Nowak.
the main objective of the ministry is to encourage Poles to systematic and long-term saver . – We would like the new papers were the basis of such family plans. Invested in money could not be spent in the future, eg. Children’s education – says Nowak.
It is not known exactly how will look offer. Probably the interest rate on the bonds will be variable (dependent on inflation or market rates), or interest will be regularly indexed by a specified rate.
It is also unclear whether the MF has time to incorporate the idea into effect April 1, the date on which will begin payment of allowances for children. To a large extent this depends on the distributor of retail bonds, or PKO BP . – You have to prepare systems. Selling bonds, the bank must verify whether the buyer is actually the beneficiary of the program 500+. The talks were already under way between PKO BP, the ministries of finance and family – betrays Deputy Minister Nowak.
Today, the longest retail bonds 10 -year securities issued by the Ministry of Finance with a view to future retirees. Their interest rate is inflation plus 2.5 per cent. in the first year and inflation plus 1.5 percent. in subsequent years. If the new bonds were similar (though perhaps conditions are favorable) on securities purchased for 500 zł after 10 years you would earn about 90 zł. And that’s not taking into account inflation.
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