Common funds ended up being created for men and women that do not have time and adequate knowledge to visit events at the financial and capital trading markets and, thus, are unable to associated with right financial commitment decisions, u. g. It is worth adding, nevertheless , that the Ministry of Financing options, immediately after the restructuring, paid the local governing bodies an useful and evening out subsidy well worth almost PLN million. Yet , it should be thought of that finance institutions rarely provide you with anything free of charge. The minimum income is most detrimental to young people, low-skilled workers and the long-term unemployed.