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Education, articles and answers to common questions in one place. Start with the basics or look up a term in the glossary.
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Three guides that cover the basics.
- Dividend and portfolio basicsHow to build a dividend portfolio and read its results.Polish only
- IKE and IKZE accountsHow to fit Polish retirement accounts into an investing plan.Polish only
- FIRE strategyFinancial independence, step by step.Polish only
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Popular questions
How much capital do I need to live off dividends?
Start with your monthly spending and divide the annual target by a realistic net dividend yield. For example, PLN 5,000 per month requires PLN 60,000 a year. At a 4% net yield, the target portfolio is about PLN 1.5 million. Add a safety margin for dividend cuts, inflation and currency swings before treating the number as a retirement target.
See in the FAQWhat is dividend yield and how do I calculate it?
Dividend yield is the annual dividend per share divided by the current share price. If a company pays PLN 2.00 per share and the stock trades at PLN 50.00, the gross yield is 4%. The net yield for a Polish taxable account is lower after 19% dividend tax.
See in the FAQHow are dividends taxed for Polish investors?
Polish taxable accounts generally apply 19% tax to dividends. Foreign dividends can also include withholding tax in the source country. The final result depends on the market, broker reporting and tax treaty treatment, so use calculator output as a planning estimate and verify annual tax reporting before filing.
See in the FAQ