[foobar2020]

It's 19% of the capital gains, not of the invested money. The parent comment makes it seem like the tax is absurd. Here's a list of countries that implement this tax, including Poland:

https://en.wikipedia.org/wiki/Capital_gains_tax

You _can_ save and invest in Poland.

[genericthrow]

Right, I might phrased it imprecisely. Anyway let me show you screenshot from my bank taken today (sorry it's for some reason only in polish): https://imgur.com/a/ISthS

so putting 10k PLN (2k EUR) for 24 months in, you'll gain 50 EUR and small text at the bottom says it's BEFORE taxation! Average gross wage depends on region, but it's around 1k EUR per month. I cannot find median, values but it's much lower, most people here don't have two cents to rub together not to mention to put twice the average salary for 24 months to get 50 EUR