Potencijal ulaganja u paneuropski mirovinski proizvod kao u novi oblik dobrovoljnog mirovinskog osiguranja

master's thesis

• Title (english): The potential of investing in pan-European pension product as a new form of voluntary pension insurance
• Author: Ana Mežnarić
• Mentor: Jakša Krišto (mentor)
• Committee member: Jakša Krišto (predsjednik povjerenstva)
• Committee member: Branka Tuškan Sjauš (član povjerenstva)
• Committee member: Ana Ivanišević Hernaus (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2024-07-02, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics

Abstract

Inovativan proizvod na financijskom tržištu zanimljiv svojim karakteristikama je paneuropski mirovinski proizvod. On predstavlja novi oblik dobrovoljnog štednog proizvoda za mirovinu na području Europske unije. Dobiva na sve većoj važnosti, zato što je starenje postalo demografski trend koji je sve prisutniji na području Europske unije i Republike Hrvatske, a sve je manje radne snage koja radi za one u mirovini. Ovim radom analizirane su karakteristike paneuropskog mirovinskog proizvoda i preispitana je informiranost i zainteresiranost za ulaganje na području Republike Hrvatske. Osim toga, istraženi su trenutni stavovi o načinima štednje i sigurnosti institucije u koju pojedinci ulažu svoj novac te važnosti karakteristika prilikom odabira štednje zajedno sa informiranošću o pogodnostima koje takvi oblici nude. Istraživanje je provedeno s ciljem anketnog ispitivanja potencijala ulaganja u paneuropski mirovinski proizvod u Republici Hrvatskoj i korištenja od strane studenata, buduće radne snage i mladih, odnosno od nedavno radne snage. Zbog dostupnosti, upitnik je riješilo i nekoliko njih van ciljane populacije. Sveukupno je u istraživanju sudjelovalo 207 ljudi. Tako prikupljeni podaci, analizirani su u statističkom programu u kojem su izvučene osnove deskriptivne statistike. Korelacijskom analizom se ispitala zainteresiranost populacije za ulaganje u različite oblike štednje i u mirovinski proizvod. Tako su u međuodnos dovedene ključne varijable na temelju čega je donesen zaključak i prijedlog na koji način potaknuti ulaganje u paneuropski mirovinski proizvod.

Abstract (english)

Pan-European pension product is an innovative product interesting by its characteristics. It represents a new form of voluntary savings for retirement in the European Union. It is gaining more and more importance as aging has become a demographic trend that is increasing in the territory of the European Union and the Republic of Croatia, and there is less and less workforce working for those in retirement. This paper analyzed the characteristics of the pan-European pension product and examined the interest in investing within the borders of the Republic of Croatia. The current mindset about ways of saving and the safety of the institution in which individuals invest their money was investigated as well as the importance of characteristics when choosing savings, together with information about the benefits that such forms offer. The research was conducted to survey the potential of investing in pan-European pension product in the Republic of Croatia and its use by students, the future workforce and young people, the current workforce. Due to availability, the questionnaire was solved by a few of them outside the target population. A total of 207 people participated in the research. The data thus collected were analyzed in a statistical program in which the basics of descriptive statistics were extracted. A correlation analysis was used to examine the population's interest in investing in different forms of savings and in a pension product. In this way, several key variables were interrelated, based on which a conclusion and a proposal were made on how to encourage investment in a pan-European pension product.

• Keywords: starenje stanovništva; paneuropski mirovinski proizvod; štednja; radna snaga
• Keywords (english): population aging; pan-European pension product; savings; labor force
• Language: croatian
• URN:NBN: urn:nbn:hr:148:567089
• Study programme: Title: Business economics; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: sveučilišni magistar ekonomije/sveučilišna magistra ekonomije (sveučilišni magistar ekonomije/sveučilišna magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2024-07-03 17:29:30