According to data from the National Bank of Poland, 70% of newly accumulated savings flow into the least profitable deposit products. At the same time, 95% of Poles believe investing in financial instruments makes sense, 43% declare they want to become investors, but only 13% actually invest their financial surplus.
Market observers describe the phenomenon as “investment paralysis.” Faced with too many choices and uncertainty, many potential investors postpone action indefinitely. Fintech platforms are increasingly positioning automation as the solution.
ETF portfolios from 1 złoty
Platforms such as Mooninvest now offer a minimum entry level of 1 PLN to start building an ETF portfolio, zero fees for account opening, maintenance and transactions, full liquidity, with no capital lock-up periods.
The model relies heavily on long-term compounding rather than short-term speculation. The strategy is designed to encourage consistent contributions over time, reducing the emotional pressure associated with market timing.
Mooninvest operates as part of the Winners Group, which manages approximately €250 million in assets across seven European markets and serves more than 400,000 clients.
Its activity in Poland is conducted under the supervision of the Polish Financial Supervision Authority (KNF) under EU cross-border service regulations, while the broader group is regulated by the National Bank of Slovakia.
