Modeli štednje za starost

undergraduate thesis

• Title (english): Saving models for old age
• Author: Jakov Grašovec
• Mentor: Marijana Ivanov (mentor); MBZ: 210365
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2019-09-23, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Mirovinski sustav omogućuje stanovnicima koji su kao radno aktivni uplaćivali doprinose za
mirovinsko osiguranje da u trenutku umirovljenja primaju mjesečnu mirovinu za osiguranje
životnih potreba. Hrvatski mirovinski sustav doživio je reformu 1. siječnja 2019. godine, a
temelji se na tri supa od kojih je jedan dobrovoljan. Kapitalizirana štednja, osim što je od velike
je važnosti za treću životnu dob, potiče razvoj tržišta kapitala, gospodarski rast i veći životni
standard. U radu se opisuju mirovinski fondovi kao vrsta štednje u užem smislu, pri čemu se
drugi stup kao obvezni provodi kroz obvezne, a treći stup kao dobrovoljan kroz dobrovoljne
mirovinske fondove. Članstvo u dobrovoljnim mirovinskim fondovima atraktivan je način
ulaganja jer ostvaruje dodatnu osobnu mirovinu uz poticajna sredstva iz državnog proračuna.
U Republici Hrvatskoj prisutan je proces demografskog starenja koji je doveo do dugoročnog
trenda povećanja broja umirovljenika u odnosu na broj zaposlenih osiguranika. Upravo je to
razlog uvođenja kapitaliziranog mirovinskog sustava u kojem će osobna imovina u obveznim
mirovinskim fondovima predstavljati osnovicu za isplatu mirovina budućih umirovljenika.
Kako bi umirovljenici imali primjerena primanja nakon umirovljenja, naglašava se potreba za
individualnom odgovornošću prilikom planiranja financiranja treće životne dobi.

Abstract (english)

The pension system allows residents who, as active workers, have paid pension contributions
to receive a monthly pension for life insurance at the time of retirement. The Croatian pension
system was reformed on January 1, 2019, based on three pillars, one of which is voluntary.
Capitalized savings, besides being of great importance for the third age, fosters capital market
development, economic growth and a higher standard of living. The paper describes pension
funds as a type of savings in the narrow sense, with the second pillar being implemented as
mandatory and the third pillar as voluntary through voluntary pension funds. Membership in
voluntary pension funds is an attractive way of investing because it earns an additional personal
pension with stimulus funds from the state budget. In the Republic of Croatia, there is a process
of demographic aging that has led to a long-term trend of increasing the number of pensioners
relative to the number of employed insured persons. This is precisely the reason for introducing
a capitalized pension system in which personal assets in compulsory pension funds will form
the basis for the payment of pensions to future retirees. In order for retirees to receive adequate
post-retirement benefits, the need for individual responsibility is emphasized when planning for
third-age funding

• Keywords: mirovinski sustav; mirovinska reforma; mirovinski fondovi
• Keywords (english): pension system; pension system reform; pension funds
• Language: croatian
• URN:NBN: urn:nbn:hr:148:366961
• Study programme: Title: Business Economics; Study programme type: professional; Study level: undergraduate; Academic / professional title: stručni/a pristupnik/pristupnica ekonomije (stručni/a pristupnik/pristupnica ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2019-09-24 16:53:16