Overview
- The poll of 266 employees finds only 29% plan to save their CTS and 10% plan to invest in professional training.
- Eighty‑three percent report receiving the deposit from their employer, a one‑point decrease compared with 2024.
- Payment timing varies, with 45% paid before November 15, 37% on the deadline, and 18% after the cutoff.
- Despite 66% rating the payment process as good or very good, 26% say they have experienced late deposits in recent years.
- Eighty‑two percent receive no guidance on managing the fund, and workers most often request tracking tools (39%), personalized advice (22%), more detailed documentation (20%), and workshops (19%).