IKZE, czyli 1500+ dla każdego – rok później

Minął rok od publikacji artykułu „IKZE, czyli 1500+ dla każdego”. Polityka prorodzinna w Polsce, wraz z programem 500+ stała się już nie tylko faktem. Rząd zintensyfikował swoje działania i rozszerzył program o tak zwane 500+ mieszkaniowe. Politycy zachęceni wzrostem sondażowego poparcia uruchamiają kolejne program zmasowanego rozdawnictwa i rozkręcania gospodarki poprzez napędzanie krótkoterminowej konsumpcji. Propagują modę na 500+ wypierając ze świadomości wyborców pojęcia takie jak praca i oszczędzanie. Na szczęście Polacy wiedzą, że w sprawach przyszłych emerytur musza liczyć na siebie, korzystając z kont IKZE i związanych z tym ulg podatkowych.

„500+ wkręca gospodarkę i wyborców”, czyżbym się mylił?

Wielokrotnie dyskutowałem kwestię zasadności rozwiązania, polegającego na rozkręcaniu gospodarki przez emisję pustego pieniądza (500+ jest oczywistym przykładem takiego socjalistycznego programu gospodarczego). Faktem jest, że politycy kupują głosy wyborców za pieniądze i podatki tychże wyborców. Ale faktem jest, że programy takie rozkręcają krótkoterminowo gospodarkę i pozwalają poprawić nie tylko gospodarcze statystyki, ale i nastroje społeczne. To takie nowoczesne perpetuum mobile…

Zawiść czy poczucie niesprawiedliwości?

Pogodzony zatem z polityką masowego rozdawnictwa PIS zapragnąłem, podobnie jak wielu innych „pominiętych”, skorzystać z dobrodziejstw programu 500+. Niestety świadoma decyzja, aby wychowywać z żoną jedno dziecko wykluczyła nasz tego programu. Podobny los spotkał singli z wyboru i samotne matki. Na szczęści w pomocą (zapewne nieświadomą) przyszli politycy, którzy zafundowali nam wszystkim indywidualny program „prorodzinny”. Wystarczy zainwestować w swoja przyszłość i otworzyć indywidualne konto zabezpieczenia emerytalnego IKZE. Inwestując blisko 5115 PLN w prywatne konto emerytalne, automatycznie uzyskujemy zwrot podatku dochodowego w kwocie nawet 1637 PLN. To aż 32% gwarantowanego przez Państwo zysku.

IKZE to nadal takie 500+ dla każdego

Nasz miesięczny zysk to co prawda 136 PLN a nie 500 PLN, ale nie można mieć wszystkiego. Poza tym nie mamy dodatkowych kosztów w postaci płaczu, pieluch i kupowania nowego modelu iPhona, gdy nasza latorośl skończy 14 lat.

I co najistotniejsze – politycy nie rozmontowali konstrukcji prawnej IKZE, więc rok 2017 jest kolejnym rokiem, gdy wszyscy możemy korzystać z IKZE i uzyskać zwrot podatku. W pełni demokratycznie i bez wykluczania części obywateli.

Autor Maciej Jędrzejak

Bankier z ponad 20 letnim doświadczeniem, obecnie koncentrujący się na spółkach z sektora fintech oraz kolejnych projektach startupowych w Polsce. Jako ekspert od międzynarodowych finansów łączy świat bankowości z realną ekonomią.

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