Real estate remains number 1
The survey was conducted in March 2026 on a representative sample of Poles aged 18–65. Its aim was to identify investment preferences and the role of precious metals in building long-term savings.
– „Just a few years ago, gold was treated as a niche solution. Today we see that it is increasingly becoming one of the primary investment choices for Poles. Many investors simply diversify their portfolio and add gold to it, alongside real estate or listed company shares. This also reduces the potential loss on other forms of investment. It’s hard to lose money on gold if you invest for many years” – says Adam Stroniawski, member of the Management Board of Mennica Skarbowa.
Real estate still the leader, but gold outpaces other assets
Although real estate remains the most frequently indicated form of investment (25%), gold clearly outpaces other financial instruments. It is followed by:
- bank deposits (approx. 8%)
- bonds (approx. 8–9%)
- listed company shares (approx. 6–7%)
- cryptocurrencies (approx. 4–5%)
It is worth noting that as many as 17% of respondents are unable to indicate a preferred form of investment, which may point to still-limited financial knowledge among part of society. The growing popularity of gold is also confirmed by market data.
– „Gold is no longer treated solely as a safeguard for hard times. It is increasingly a deliberate investment choice, alongside real estate or the capital market. According to our analysis, Poles bought around 20 tonnes of investment gold last year, confirming the sustained high demand for this metal. Poles mainly buy small gold weights, which can easily be resold worldwide afterward or exchanged for goods in dangerous times. Of course, gold bullion coins remain popular too, and they are also legal tender in some countries” – adds Adam Stroniawski, member of the Management Board of Mennica Skarbowa.
Differences in investment preferences
The survey shows significant differences in investment approach depending on age, gender, and place of residence. Younger respondents (25–34 years old) are less often undecided (11%) and more often choose specific forms of investment, including gold. Meanwhile, people aged 45–65 more often indicate bonds (11%) and are considerably more likely to answer “don’t know” (21%).
Differences are also visible between women and men. Men more often choose gold (22% vs. 16%), bonds (11% vs. 6%), shares (7% vs. 4%), and cryptocurrencies (6% vs. 3%). Women are considerably more likely to indicate real estate (32% vs. 18%).
Meanwhile, residents of the largest cities (500,000+) are more likely to invest in shares (10%), while people living in rural areas are considerably more likely to choose real estate (30%).
The ARC Rynek i Opinia survey was conducted in March 2026 using the CAWI method on a representative sample of 1,020 Poles aged 18–65.
Mennica Skarbowa is the largest distributor of investment gold and other precious metals in Poland. The company is listed on NewConnect, the alternative market of the Warsaw Stock Exchange. The company’s main area of business is the sale of investment gold (bars and bullion coins), as well as other precious metals, diamonds, and collectible products. Products from Mennica Skarbowa’s offer can be purchased at 16 branches: in Białystok, Bydgoszcz, Częstochowa, Gdańsk, Kalisz, Katowice, Kielce, Kraków, Lublin, Łódź, Poznań, Rzeszów, Szczecin, Warsaw, Wrocław, and Zielona Góra, as well as via the website: mennicaskarbowa.pl.
