Analiza mirovinske pismenosti generacije Y i štednja za treću životnu dob

master's thesis

• Title (english): The analysis of pension literacy and pension savings among generation Y
• Author: Dijana Butko
• Mentor: Dajana Barbić (mentor)
• Committee member: Marijana Ivanov (član povjerenstva)
• Committee member: Maja Mihelja Žaja (član povjerenstva)
• Committee member: Dajana Barbić (predsjednik povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2023-07-14, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Ubrzano starenje stanovništva i sve veći broj umirovljenika u odnosu na radno aktivno stanovništvo doveli su do potrebe za povećanom individualnom odgovornošću svakog pojedinca za vlastite financije i privatnu štednju za mirovinu. Kako bi postigli primjeren životni standard u starijoj životnoj dobi, pojedinci već u mlađoj životnoj dobi moraju prikupiti dovoljno potrebnih informacija i znanja odnosno konstantno investirati u vlastito financijsko i mirovinsko opismenjavanje i edukaciju. Niska ili nedovoljna razina financijskog i mirovinskog obrazovanja i pismenosti dovode do loših financijskih odluka koje mogu ostaviti izrazito negativne posljedice na život pojedinca. Stoga, mirovinska pismenost, podizanje povjerenja i pozitivan stav prema određenoj vrsti štednje predstavljaju važan put koji vodi do povećanja privatne štednje za mirovinu. Ovaj rad analizira razinu mirovinske pismenosti u Republici Hrvatskoj i odnos prema štednji za treću životnu dob na uzorku generacije Y. Generacija Y koja se još naziva milenijalci su osobe rođene u razdoblju između 1980.-ih i 2000.-ih godina. S obzirom da su zadnja generacija djece koja je odrasla u doba prije pojave tehnologije i Interneta odlično su iskoristili ova dva resursa za svoj osobni razvitak te u današnji svijet unose brojne promjene i novu poslovnu kulturu. Rezultati analize pokazuju kako je generacija Y dovoljno upoznata s dugoročnom štednjom i vlastitom brigom za povećanje standarda života u trećoj životnoj dobi. Međutim, dio ispitanika se još nije odlučio za jedan od oblika štednje, štoviše o istome se nisu niti informirali. Uz svjesnost o dugoročnoj štednji svakako postoji potreba i za dodatnom edukacijom u dijelu osnovnih informacija o mirovinskom sustavu Republike Hrvatske.

Abstract (english)

The demographic process of accelerated aging of the population and the increasing number of retirees compared to the working population have led to the need for increased individual responsibility of each individual for their own finances and private savings for retirement. In order to achieve an adequate standard of living in old age, individuals already at a young age must gather enough necessary information and knowledge, that is, constantly invest in their own financial and pension planning and education. A low or insufficient level of financial and pension education and literacy leads to bad financial decisions that can have extremely negative consequences on an individual’s life. Therefore, pension literacy, raising confidence and a positive attitude towards a certain type of savings represent an important path leading to an increase in private savings for retirement. This paper analyzes the level of pension literacy in the Republic of Croatia and the attitude towards saving for the third age using the example of generation Y. Generation Y, also called millennials, are people born in the period between the 1980s and 2000s. Given that they are the last generation of children who grew up in the era before the advent of technology and the Internet, they have made great use of these resources for their personal development and are bringing numerous changes and a new business culture into today’s world. The results of the analysis show that generation Y is sufficiently familiar with long-term savings and self-care to increase the standard of living in the third age, however some of the respondents have not yet decided on one of the forms of savings, moreover they have not even been informed about it. In addition to awareness of long-term savings, there is certainly a need for additional education in basic information about the pension system of the Republic of Croatia.

• Keywords: mirovinska pismenost; financijsko obrazovanje; štednja za mirovinu; generacija Y
• Keywords (english): pension literacy; financial education; saving for retirement; generation Y
• Language: croatian
• URN:NBN: urn:nbn:hr:148:185674
• Study programme: Title: Business Economics; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2023-07-15 13:18:46