On account of to introduce a new one pension system in Poland in 1999 the method of calculation of pensions was changed. The amount of benefits paid is calculated on the basis of paid contributions and expected life expectancy. In effect the premiums are the higher and we pay them the longer, this pension will be higher. For people with low earnings or with breaks in insurance this means that, future retirement benefit will be only a small part of their earnings. So obviously it has become a need for individual savings collection. which will alleviate the effects decrease in monthly income during retirement. Variety financial market instruments, which characterizes different level of investment risk and different efficiency is presented in the article below.