The Polish Investment Revolution: What over 1,000 Investors Told Us
Poland`s investment market is transforming. We surveyed 1,048 active and aspiring investors to understand what they want, where they invest, and what`s missing.
The results reveal a clear opportunity.
The Growth Story
Five times more Poles invest today than 15 years ago. The acceleration has been sharpest since 2022. More people are investing than ever before – and they're looking for the right solutions.
What They're Looking For
Security dominates across all demographics. But the shape of security changes–younger investors focus on independence and growth, while older investors prioritize stability and family support.
Investment Priority
Where Their Money Goes Today
Real estate already matches or exceeds more established investment categories–despite perceived high barriers and limited accessible products.
Of those investing in real estate:
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42% own rental properties
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38% own property for personal/family use
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19% own vacant property (no income generation)
The appetite is there. The capital is there. What's missing are scalable, professionally managed solutions.
The Barrier Isn't Capital–It's Perception
For 33% of young non-investors, the only barrier is psychological. They have the money. They want to invest. But they tell themselves "it's not for me" or "need more capital."
The gap between perception and reality represents significant untapped potential.
The Missing Solution: Commercial Real Estate
The market gap is real. Investors understand commercial real estate as a portfolio diversifier. They see it as less risky than stocks, more dynamic than deposits, and suitable for long-term stability.
Say accessible commercial real estate investment solutions are missing in Poland
38%
Would invest in commercial real estate shares if the right product existed
68%
Average portfolio allocation–similar to investment funds
~7%
What's holding them back?
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Perceived high entry thresholds
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Lack of transparent, accessible products
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Need for professional management they can trust
The Market Opportunity Ahead
The data reveals a clear picture: Polish investors are becoming more sophisticated, seeking diversification, and looking for moderate-risk solutions backed by tangible assets.
Whether the market develops products to meet this demand will shape the next phase of Poland's investment evolution.
Experts' thoughts
DR HAB. KATARZYNA SEKŚCIŃSKA
Profesor Uniwersytetu Warszawskiego
The report explains why declared willingness to invest does not always translate into actual behaviour. It examines investors' motivations, barriers and expectations, and identifies the conditions that must be met for interest to turn into informed, long-term action.
GOSIA SABLINSKA
Director - Business Development & Capital Raising at Accolade Funds
The fact that some respondents indicate a lack of accessible and understandable forms of investing in commercial real estate points to the need for developing transparent investment solutions in Poland. From a market perspective, financial education and clear structures that can be understood by a broad group of investors are becoming crucial. Without them, there can be no real, informed demand for investment products, only speculation, which entails risks for individual investors.
Research Methodology
1,048 adult Poles
involved in the study, diverse in gender, education, and location
Data collected from registered panel participants meeting all three criteria:
They were of legal age
In the last 12 months, they accumulated savings of at least 14,000 PLN
They planned to invest within the next 12 months
What do Poles really think about investing?
Download the report to understand how they think, what holds them back, and what they're looking for.
