Ociepa-Kicińska, Elżbieta. “Diversification of the Risk and Reducing Open Pension Funds in the Investment Policy”. The Scientific Journal European Policies, Finance and Marketing, no. 4(53) (December 30, 2010): 332–340. Accessed November 10, 2026. https://pefim.sggw.edu.pl/article/view/1518.