This is how much we can really earn from bonds. With some investments, it's worth waiting for OKI.

In November, the interest rates for retail bonds in Poland will remain unchanged, with 1-year bonds at 4% and 10-year bonds at 5.35%. The Ministry of Finance encourages purchasing bonds, highlighting tax benefits through IKE and IKZE accounts. However, experts suggest that the attractiveness of these bonds has decreased compared to wholesale bonds, which have seen rising yields. The upcoming OKI program in 2027 may not significantly impact retail bond investors, as it will limit tax-free investments to only a portion of the total. Overall, while retail bonds remain popular, their appeal may diminish if market conditions continue to evolve.